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Home/Markets & Investing/TETHER USDT · STABLECOIN REGULATION

Tether Wallet replaces hexadecimal addresses with email handles to scale USDT as a retail payment tool

AM

Atlas Monroe

Tether USDT · Apr 15, 2026

Tether Wallet replaces hexadecimal addresses with email handles to scale USDT as a retail payment tool

Source: DojiDoji Data Terminal

Users can now send USDT using payment usernames like [email protected] instead of hexadecimal addresses, with network fees deducted directly from the transferred asset. This removes the requirement for users to hold separate gas tokens to facilitate transactions. The functionality is delivered via Tether Wallet, launched April 14, which transitions the company from a stablecoin issuer into a consumer-facing interface.

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Tether’s Bitcoin Buy Signals a New Era of Stablecoin Backing

Tether now holds over $5 billion in Bitcoin. The acquisition of 888.88 BTC from Bitfinex at a price near $61,800 per BTC brings its total holdings to 75,354 BTC — the largest amount in its history. This purchase is not a one-off bet but part of a structured plan: Tether allocates up to 15% of its realized net operating income to buying Bitcoin. The move shifts its reserves away from traditional cash equivalents and U.S. Treasury securities toward an asset it defines by scarcity, liquidity, and longevity. Tether argues this strengthens the USDT peg not just mechanically but psychologically, offering verifiable on-chain backing in a system long criticized for opacity. For users, that means the stability of their dollar-pegged tokens now rests partly on a decentralized, non-sovereign asset. The effect extends beyond balance sheets. Tether’s quarterly profits generate sustained institutional demand for Bitcoin, creating a structural floor under its price. At a time when stablecoin issuers are being held to higher standards of reserve transparency, Tether’s accumulation signals that Bitcoin is no longer just speculative — it’s treasury-grade. The company has evolved from a payment rail into a treasury manager operating at institutional scale. As regulators shape the future of digital dollars, Tether’s model may offer a precedent: a stablecoin backed not by the banking system alone, but by a hybrid of traditional and decentralized assets. Regulatory evolution around stablecoins may position Tether’s Bitcoin-backed model as a template for future digital dollar issuers.

The wallet uses a self-custodial design where transactions are signed on the user's device. To remove the barrier of seed phrases, Tether provides an encrypted cloud backup where wallet data is stored on Tether servers and keys are stored on the user's iCloud or Google Drive. Access requires both components.

Related Brief3h ago
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Tether’s grip on stablecoins weakens as $320 billion market spreads to new issuers

The stablecoin market surpassed $320.007 billion on April 16, 2026, following $2.54 billion in seven-day inflows. Tether’s USDT holds $185.463 billion, or 57.96% of the market, down 2.5 percentage points from 60.46% earlier in 2026. Circle’s USDC increased by $431 million over seven days, reaching a market capitalization of $78.621 billion. The top five stablecoins—USDT, USDC, USDS, USDe, and DAI—collectively account for $283.097 billion, or 88.47% of the total market. New entrants including PayPal’s PYUSD, BlackRock’s BUIDL, and World Liberty Financial’s USD1 are gaining traction as demand broadens beyond dominant issuers. Capital is shifting toward diversified dollar-denominated tokens across centralized and decentralized platforms, signaling a structural change in stablecoin demand.

At launch, the wallet supports USDT, XAUT, USAT, and Bitcoin across Ethereum, Polygon, Plasma, Arbitrum, and the Lightning Network. It does not currently support Tron, despite 45% of the circulating USDT supply residing on that network.

Related Brief1d ago
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A new liquidity layer bypasses Asia’s fragmented banking system to enable instant USDT settlements

High-volume transactions across Asia can now settle instantly in USDT without touching the region’s traditional banking system. The shift comes through a new liquidity layer built by Stables in partnership with Mansa, designed to bypass the fact that only 1% of local banks in a region handling 60% of global stablecoin flows support the technology. The gap has long constrained fintechs and developers across 150 local currencies. Mansa supplies the short-term liquidity that keeps Stables’ fiat-USDT corridors active, drawing on its track record of processing $394 million across more than 40 currency pairs since August 2024. Stables routes over $1.5 billion in annualized payment volume through a single API that bundles compliance, banking, and settlement—fully managing identity verification, sanctions screening, and travel rule obligations. The firm is licensed in Australia, Europe, and Canada. The partnership enables seamless cross-border value transfer in a region where banking fragmentation has until now forced reliance on slow or incomplete rails.

CEO Paolo Ardoino stated that users should be able to send value as easily as sending a message without intermediaries or losing control of assets. By eliminating the friction of addresses and gas fees, USDT is positioned as a high-frequency payment asset for unbanked populations in emerging markets.

Related Brief1d ago
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USD Coin dominates 42% of trading on Coinone as Circle eyes South Korea without launching a won-pegged stablecoin

USD Coin accounts for 42% of daily trading volume on Coinone, one of South Korea’s major crypto exchanges, as Circle capitalizes on surging demand without launching a won-pegged stablecoin. Circle CEO Jeremy Allaire confirmed the company has no plans to issue a South Korean won-pegged digital currency, sidestepping a regulatory standoff between lawmakers and the Bank of Korea. The central bank and domestic banks oppose allowing tech firms to issue stablecoins, insisting the power belong solely to financial institutions. President Lee Jae-myung campaigned on introducing won-pegged stablecoins, but his administration has been stymied since taking office in June. Allaire, during a visit to Seoul, met with banking executives and crypto leaders, including Coinone, to pitch Circle’s infrastructure as a platform for licensed South Korean entities to issue their own stablecoins. The firm is pursuing a model similar to its expansions in Hong Kong, Singapore, Japan, and Europe—waiting for legal clarity, then seeking a license. For now, Circle’s monetization strategy in South Korea hinges not on launching a new coin, but on the growing use of USD Coin as both a trading pair and investment vehicle.

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