prepare("SELECT available FROM user_balances WHERE user_id = ? AND symbol = 'USDT'"); $stmt->execute([$user['id']]); $bal = $stmt->fetch(); $available = $bal['available'] ?? 0; ?>

USDT
: USDT
1.00 USDT
0.00 USDT
: USDT
1 USDT ≈ 1.00 USD
0.00 USD