# What is USDXT? USDXT is a payment stablecoin that is 100% backed by short-term US treasuries and USD. **WHY USDXT?** Instant settlement \ 24/7/365 redemptions vs. business hours only \ Global access vs. geographic restrictions \ No counterparty risk vs. trusting multiple counterparties \ Programmable vs. manual processes \ Zero fee vs. wire transfer fees --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.xft.finance/usdxt/what-is-usdxt.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.