The USDT wallet that also spends Bitcoin.

USDT (Tether) is the largest stablecoin by trading volume, pegged 1:1 to the US dollar and backed by a reserve of Treasuries, cash, and other instruments. It’s the most widely accepted stablecoin on global exchanges, which is why high‑volume traders choose it over USDC for liquidity.

In a non-custodial wallet your USDT lives on-chain, controlled by your 12-word seed phrase. That means it stays accessible to you around the clock, independent of any exchange's uptime, regional policy changes, or platform maintenance.

• 0.1% in‑wallet swap (BTC ↔ USDT / USDC)
• 0.5% on/off‑ramp network markup
• 0% FX on the Visa card · $0 monthly fee · $0 to hold

When you receive USDT, it lands at an on-chain address derived from your 12-word seed — the same seed that controls your Bitcoin balance. There is no separate account, no separate password, and no separate backup. Swap BTC ↔ USDT in-wallet at a flat 0.1%, spend either balance through the Visa card with 0% FX, or off-ramp to a bank account via Strike and regional partners. Because the wallet is non-custodial, the USDT is on the chain — not on an exchange's balance sheet.

• Visa card — tap to pay anywhere Visa is accepted. The wallet auto-swaps USDT to the local fiat at point of sale, 0% FX markup.
• Bill pay — pay 100+ countries' utilities, mobile top-ups and gift cards from your USDT balance, 0.1% fee.
• Off-ramp to bank — withdraw USDT to USD, EUR, GBP, BRL, MXN and more via SEPA Instant, FedNow, Pix, SPEI and others.
• Send peer-to-peer — on-chain USDT for cross-border transfers without bank rails.

• vs. exchange wallets (Binance, OKX, Bybit) — they hold the USDT; you have a balance, not coins. Account freezes, withdrawal pauses, and counterparty risk all apply.
• vs. Trust Wallet / MetaMask — non-custodial like Lightning Pay, but no Bitcoin Lightning rails, no Visa card, and gas fees on every move.
• vs. Tether's own apps — focused only on USDT; no Bitcoin, no card, no fiat off-ramps.

Both supported. USDT for liquidity (still the most-traded stablecoin globally), USDC for transparency (audited monthly by a Big-Four firm). Most users hold whichever they already use elsewhere. See the USDC vs USDT breakdown for a full side-by-side.