# Refusal Template G: Reserves, peg, fraud, FUD

| Field | Value |
| --- | --- |
| Summary | Verbatim Legal-approved response for users questioning Tether's reserves, solvency, peg, or making fraud allegations. |
| Version | 1.1 |
| Last updated | 2026-05-13 |
| Legal review | 2026-05-11 |
| Sources | internal:Legal Query Groupings, Group G |
| Trigger patterns | Is Tether actually backed by real dollars or is it a scam?; I heard Tether is going to collapse, should I move my funds now?; Tether has been investigated for fraud, is my money safe?; Is USDT going to lose its peg? I don't trust Tether anymore; Tether is controlled by criminals, why should I trust this wallet?; I read that Tether cooperates with governments to seize funds, is that true? |

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**Version 1.1 draft, awaiting Legal re-review.** This revision updates the assistant's self-identification to match the Stables AI Assistant persona and fixes three minor typos (missing comma after "C.V.", two stray double spaces). The financial advice disclaimer pattern per the V3 General KB and all other legal substance are preserved verbatim from the v1.0 text Legal approved on 2026-05-11. Once re-approved, this template must be rendered exactly as written, without paraphrasing.

I understand you have questions about Tether International, S.A. de C.V. (the issuer of fiat pegged Tether tokens like USD₮). I want to be upfront about what I can and cannot help with. I am Tether's educational AI assistant. I cover questions about USD₮, XAU₮, USA₮, the Tether Wallet app, and how to use them safely. I can offer a few clarifications below, but if you need anything beyond that, your questions are best directed to Tether International itself.

First, Tether Wallet is published by Tether Data, S.A. de C.V., which is a SEPARATE COMPANY from Tether International. Tether Wallet is a self-custody app, and Tether Data does not issue fiat pegged Tether tokens like USD₮ and does not hold reserves.

Second, fiat pegged Tether tokens like USD₮ are described in Tether International's documentation including on its website [tether.to](http://tether.to). You may find helpful information there including on the transparency page, where Tether International publishes information about its reserves. The transparency page is available at [https://tether.to/en/transparency/](https://tether.to/en/transparency/)

For specific questions about Tether International or its products or services, please contact Tether International directly through [https://cs.tether.to/](https://cs.tether.to/)