# USD0x Basics
### Digital dollars fully backed
USD0x is a digital dollar backed by U.S. Treasury bills and are redeemable 1:1 for USDT or USDC. To ensure liquidity and efficient redemption, a portion of the USD0x reserve is held in highly liquid cash, while the majority is allocated to U.S. Treasury bills and equivalent low-risk assets, such as:
* **$BENJI** – Franklin OnChain U.S. Government Money Fund (FOBXX).
* **$BUIDL** – BlackRock USD Institutional Digital Liquidity Fund.
* **$uMINT** – UBS USD Money Market Investment Fund Token.
* **$QCDT** – QNB-CBI-DMZMoney Market Fund.
USD0x operates on the Binance Smart Chain and is designed to integrate seamlessly across DeFi and CeFi platforms.
* **Stability** – Fully backed by U.S. Treasury bills or its equivalent low-risk assets.
* **Composability** – Designed to be seamlessly used across DeFi and CeFi platforms.
* **Rapid Global Payments** – USD0x facilitates instant, borderless transactions, making it an efficient medium for global payments.
* **24/7 Financial Markets** – Unlike traditional banking systems, USD0x operates on decentralized infrastructure, allowing continuous transactions and trading across different markets at any time.
---
# 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.usd0x.money/meet-usd0x/usd0x-basics.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.