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The open digital dollar
blockchain standard

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An AI-native settlement layer for borderless commerce and programmable treasury

402t is a web-native payment protocol for seamless financial transactions over HTTP, powered by USDt and XAUt. Designed for both machine automation and human interaction, it enables real-time settlement of APIs, compute, and digital services. Built for scale, 402t supports billions of sub-cent micropayments with the stability of USDt and the resilience of gold-backed XAUt.

  • Any blockchain
  • Any token
  • Any service
  • No fees
  • No middlemen
  • No chargebacks
  • Open source
  • Sub-second settlements
  • For agents
  • For creators
  • For businesses
  • For enterprises
  • For SaaS
  • For service provider
  • For compute platforms
  • For storage

Built on the Tether WDK

Integrating an open protocol for machine-to-machine agent interactions into the Tether Wallet Development Kit empowers developers to launch and monetize apps and agents through a single SDK, without intermediaries, using both USDt and XAUt.

Bank Wallet in your pocket

In both economically stagnant developed regions (like Europe) and rapidly growing emerging markets, there's a clear demand for a borderless, treasury-backed alternative to weakening local currencies.

Today's financial infrastructure isn't designed for this reality. The solution: a non-custodial financial platform powered by USDt and XAUt, featuring Function Calling and MCP capabilities.

Non-crypto-native users are guided by a personalized assistant for onboarding and daily actions like transferring, on-ramping, and off-ramping tokens, while advanced users unlock powerful tools like MCP and voice-commanded wallets to go beyond the limits of traditional treasury.

preserve financial freedom
and privacy