According to Paolo Ardoino, Tether's Wallet Development Kit (WDK) Template Wallet is built 100% on WDK with encapsulated reusable UI components, is fully non-custodial with multiple seed backup strategies, runs across mobile and desktop platforms, is security audited, and implements USDT, USDT0 and DeFi primitives including lending and swapping. Source: Paolo Ardoino on X, Sep 29, 2025. He stated the code will be open-sourced soon and can be cloned, customized, built, and released by teams to their communities, with the Template Wallet implementing on-chain lending and swapping for USDT. Source: Paolo Ardoino on X, Sep 29, 2025. Ardoino added that WDK will be the building block for billions of wallets. Source: Paolo Ardoino on X, Sep 29, 2025.