Could you please clarify which bank specifically accepts USDT? Also, is it possible for a bank to facilitate USDT transfers? I've heard that there's a bank, presumably Xapo Bank, that's currently the only regulated bank worldwide that allows the sending and receiving of USDT. When members of Xapo Bank send or receive USDT, does it automatically convert to US Dollars? And once converted, does the USD then start to accrue an annual interest rate of 4.6%, paid out daily? Could you provide more details on how this process works?