# Stables AI Knowledge Base > Educational knowledge base for USDt, XAUt, and USAt. Built to be ingested by AI assistants. > Every document is also available as Markdown (`/data/md/`) and JSON (`/data/json/`). ## All-in-one > Every document concatenated into a single response, for crawlers and pipelines that only ingest one URL. - [Full knowledge base (Markdown)](https://kb.tether.io/data/md/index): every doc concatenated; filter with `?category=` or `?lang=`. - [Full knowledge base (JSON)](https://kb.tether.io/data/json/index): same, structured. ## Concepts > What USDt, XAUt, USAt are, and how stablecoins work. - [Concepts](https://kb.tether.io/data/md/concepts): Plain-language explanations of USDt, XAUt, USAt, stablecoins, blockchains, wallets, networks, and the money concepts behind them. The foundational layer the assistant references when defining jargon inline. ## How-to > Step-by-step instructions for buying, sending, receiving, and managing tokens. - [How-to](https://kb.tether.io/data/md/how-to): Step-by-step procedures the assistant can walk a user through. Acquire, send, receive, back up, recover, switch networks, choose a wallet, deal with mistakes. ## Safety > Scam patterns, red flags, and defensive guidance. - [Safety](https://kb.tether.io/data/md/safety): Scam patterns, red flags, defensive guidance, what Tether will never ask, what to do if scammed, and how to store a seed phrase. Flagged for Legal review. ## Tether-products > Tether Wallet, USDt, XAUt, USAt feature overviews. - [Bitfinex](https://kb.tether.io/data/md/tether-products/bitfinex): Bitfinex exchange overview. Custodial trading platform, registration and legal entity, verification levels and KYC, trading features, zero trading fees, deposit and withdrawal methods, supported assets, wallet types, security, account management, mobile app, support channels, restricted jurisdictions. - [Keet](https://kb.tether.io/data/md/tether-products/keet): Keet peer-to-peer messaging app. End-to-end encrypted, no servers, no sign-up, no metadata collection. Text, voice, video, screen sharing, file sharing. Built on Pear Runtime (Holepunch). Groups, moderation, device linking, recovery phrase, Bitcoin Lightning payments, download links, support channels. - [Tether Wallet](https://kb.tether.io/data/md/tether-products/tether-wallet): Tether Wallet app overview. Self-custodial mobile wallet, publisher legal entity, supported assets and networks, Tether.me usernames, key features, self-custody model, download and support links. - [USAt](https://kb.tether.io/data/md/tether-products/usat): USAt overview. A US-dollar stablecoin in the Tether family, conceptually similar to USDt. Detailed USAt-specific content is still being finalised. - [USDt (Tether USD)](https://kb.tether.io/data/md/tether-products/usdt): Deep page on USDt, the US-dollar stablecoin issued by Tether International. Supported networks, peg mechanics, issuer vs wallet publisher, redemption, common questions. - [XAUt (Tether Gold)](https://kb.tether.io/data/md/tether-products/xaut): Deep page on XAUt, the gold-backed token issued by Tether. Backing, custody, fractional ownership, supported networks, redemption, when XAUt fits and when USDt fits better. ## Use-cases > Realistic scenarios: remittances, savings against inflation, payroll. - [Use cases](https://kb.tether.io/data/md/use-cases): Realistic situations where USDt, XAUt, or USAt are useful: saving against inflation, sending remittances, getting paid as a freelancer, merchant payments, travel, banking workarounds, and gold exposure. Includes when these are not the right answer. ## Glossary > Short multilingual definitions of recurring terms. - [Glossary](https://kb.tether.io/data/md/glossary): Short definitions of the terms that come up most often when talking about USDt, XAUt, and stablecoins. The assistant should use these inline when explaining jargon. ## Refusals > Legal-mandated refusal templates (Groups A–H). - [Refusal Template A: Active freeze or blacklist complaint](https://kb.tether.io/data/md/refusals/group-a-active-freeze-complaint): Verbatim Legal-approved response for users whose USDt has been frozen and who want it unfrozen. - [Refusal Template B: General or hypothetical freeze questions](https://kb.tether.io/data/md/refusals/group-b-general-freeze-questions): Verbatim Legal-approved response for users asking general or hypothetical questions about Tether freezing wallets. - [Refusal Template C: Receiving from a flagged source / contagion concern](https://kb.tether.io/data/md/refusals/group-c-flagged-source-contagion): Verbatim Legal-approved response for users worried about receiving USDt from a flagged or blacklisted source. - [Refusal Template D: Direct legal threats](https://kb.tether.io/data/md/refusals/group-d-legal-threats): Verbatim Legal-approved response for users threatening or initiating legal action. - [Refusal Template E: Regulatory complaints](https://kb.tether.io/data/md/refusals/group-e-regulatory-complaints): Verbatim Legal-approved response for users threatening to report Tether to a regulator (SEC, financial regulators). - [Refusal Template F: Transaction records for court or legal use](https://kb.tether.io/data/md/refusals/group-f-transaction-records): Verbatim Legal-approved response for users requesting transaction records for legal proceedings. - [Refusal Template G: Reserves, peg, fraud, FUD](https://kb.tether.io/data/md/refusals/group-g-reserves-and-fud): Verbatim Legal-approved response for users questioning Tether's reserves, solvency, peg, or making fraud allegations. - [Refusal Template H: Funds stuck or restricted, suspects Tether interfered](https://kb.tether.io/data/md/refusals/group-h-stuck-suspects-tether): Verbatim Legal-approved response for users whose funds are stuck and who suspect Tether intervention without explicitly saying 'blacklist'. ## Persona > Golden conversations showing tone, depth, and pacing. - [Persona and golden conversations](https://kb.tether.io/data/md/persona): How the assistant should sound. Examples of good and bad answers across user types. Calibration material for prompt design and grader rubrics. ## Providers (dynamic) > Sourced from The Grid. Filterable by `type`, `country`, `asset`, `network`. Snapshot: 2026-05-12T10:35:45.825Z. - [All providers (Markdown)](https://kb.tether.io/data/md/providers): all whitelisted providers as Markdown. - [All providers (JSON)](https://kb.tether.io/data/json/providers): same, structured. ## Network stats (dynamic) > usdt.network macro KPIs, per-chain breakdown, issuance and redemption windows. Snapshot: 2026-05-12T10:38:01.651Z. - [Network stats (Markdown)](https://kb.tether.io/data/md/network): full snapshot as Markdown. - [Network stats (JSON)](https://kb.tether.io/data/json/network): same, structured. Filter with `?section=macro|byChain|minting|history`, `?chain=Tron`, `?kpi=total_users`.