USDT Pay lets Acquirers accept customer USDT payments without taking custody of customer funds. The customer pays on-chain from their own wallet to a one-time deposit address. t-0 verifies the payment and tracks the payment intent through authorization and settlement.

Four roles take part:

  • Acquirer — owns the merchant relationship, creates the payment intent, and receives settlement.
  • Issuer — creates payment instructions, allocates one-time deposit addresses, watches the blockchain, and settles USDT.
  • Liquidity Provider (LP) — in fiat settlement mode, receives USDT from the Issuer and pays local fiat to the Acquirer over bank rails.
  • t-0 — routes messages, owns payment-intent state, maintains the LP standing quotes, and verifies on-chain settlement.

Each Acquirer has one settlement mode, fixed at onboarding. In USDT settlement, the Issuer settles USDT on-chain to the Acquirer’s wallet. In fiat settlement, the Issuer settles USDT to the LP, and the LP settles local fiat to the Acquirer.

Start with USDT Payments for the payment flow. Use Integration Guidance for authentication, idempotency, and the generated API reference.