The total supply of stablecoins is expected to reach $2 trillion by 2028, a ~10x increase over the next three years. And with the world’s biggest banks and fintech firms edging towards issuing their own stablecoins, it’s clear that stablecoins are becoming the foundational liquidity layer of digital finance.

But based on the current industry trajectory, this growth comes with a major catch: fragmentation.

As more stablecoins are issued across more chains—each with their own standards, versions, and interoperability quirks—liquidity becomes increasingly scattered. What the world needs is not just more stablecoins. It needs a unified, native liquidity layer.

That’s where USDT0 comes in.

The Problem: Liquidity Fragmentation at Scale

Stablecoins are supposed to be simple. But in a multichain ecosystem, they’ve become increasingly complex. Even the most widely adopted stablecoins like USDT exist as dozens of uncoordinated instances: some native, some bridged, some wrapped, and siloed within different networks.

Each of these variants exists in isolation, with their own contracts, addresses, and liquidity pools. That means developers must integrate multiple versions of “the same” asset and users are forced to bridge or wrap their tokens every time they move between ecosystems. This results in less composability, reduced capital efficiency, and more unnecessary risk to builders and end users alike.

This problem is only getting worse. Each new chain or rollup means another potential instance of a stablecoin, and with it another liquidity silo. And even though token standards like ERC-20 and ERC-4626 help with composability within ecosystems, they don't solve fragmentation across chains. In other words, even if two chains support the same token standard, liquidity remains siloed unless there's a unified system governing total supply and routing.

To meet the needs of the next generation of onchain finance, the world needs a stablecoin infrastructure that is not just interoperable, but unified. USDT0 introduces this system.

The Solution: Native, Omnichain Liquidity

USDT0 is not just a token standard. It’s a liquidity standard.

Rather than replicating stablecoins across chains, USDT0 creates a single canonical liquidity layer that is usable everywhere. This native, omnichain stablecoin supply is backed by USDT locked on Ethereum and enables USDT to move natively between chains using LayerZero’s OFT (Omnichain Fungible Token) standard.

This has several downstream benefits:

• Unified Liquidity: All chains draw from the same reserve, eliminating shallow pools and reducing slippage.

• Lower Friction: No more switching between wrapped and native versions, no more guessing which version your protocol supports.

• More Capital Efficiency: Liquidity flows to where it’s needed most, without duplication or unnecessary bridging fees.

• Native Interoperability: USDT0 transfers are executed via burn-and-mint logic, not wrapped tokens or synthetic pegs.

• Composable by Default: Because USDT0 behaves identically across supported chains, it can be reliably integrated into protocols with minimal overhead.

• Efficient Expansion: Developers can integrate one asset and instantly support liquidity across all chains where USDT0 is live.

Where token standards like OFT and ERC-7802 provide compatibility, USDT0 adds coherence. In addition to ensuring smooth liquidity flows across chains, it ensures this liquidity remains unified, composable, and capital-efficient.

USDT0: The Omnichain Deployment of USDT

The stablecoin sector is growing up. And as different chains, protocols, and institutions onboard millions of users, the infrastructure stablecoins run on must evolve to meet higher standards of simplicity, composability, and security. USDT0 embodies this evolution, replacing fragmented liquidity with a native, omnichain standard built for the next era of digital finance.

Today, USDT0 is live on Arbitrum, Optimism, Unichain, and Ink, with more networks joining every month. And for chains that don’t yet support omnichain standards like OFT, USDT0 offers backward-compatible access via the Legacy Mesh—a hub-and-spoke liquidity system that connects legacy USDT deployments to USDT0’s unified liquidity layer.

The result is a seamless path towards stablecoin adoption for every chain, protocol, and user.

Visit usdt0.to to learn more or take your USDT anywhere, today.