Financial freedom in your pocket
Financial freedom in your pocket
A U-topia built for YOU
A U-topia built for YOU
A U-topia built for YOU
Reimagining money so you can spend, save, earn, and invest your way. The best of Web2 & Web3 — putting YOU first.
Reimagining money so you can spend, save, earn, and invest your way. The best of Web2 & Web3 — putting YOU first.
Reimagining money so you can spend, save, earn, and invest your way. The best of Web2 & Web3 — putting YOU first.
70%
Fee savings
70%
Fee savings
Instant
Settlements
Instant
Settlements
Global
Payments
Global
Payments
U-Coin earned
+250 UCOIN
U-Coin earned
+250 UCOIN
U-Coin earned
+250 UCOIN
U-Coin earned
+250 UCOIN
BACKED BY LEADING INVESTORS & PARTNERS
BACKED BY LEADING INVESTORS & PARTNERS
Your Benefit
Your Benefit
uBank
uPay
uEarn
uCoin
uBank
uPay
uEarn
uCoin
Financial freedom in your pocket
Financial freedom in your pocket
U-topia puts YOU first — connecting modern banking, digital assets,
and cross-chain opportunities in one universal wallet.
U-topia puts YOU first — connecting modern banking, digital assets, and cross-chain opportunities in one universal wallet.
uBank
uPay
uEarn
uCoin
uBank
uPay
uEarn
uCoin
uBank
uPay
uEarn
uCoin
The Ecosystem
A unified financial ecosystem designed for real world use
A unified financial ecosystem designed for real world use
The best of Web2 & Web3. You get the best out of both TradFi and DeFi.
The best of Web2 & Web3. You get the best out of both TradFi and DeFi.
uBank
Web2-native banking experience with
inclusive financial access. Compliance-ready
account structures bridging traditional
banking with decentralized rails.
uBank
Web2-native banking experience with
inclusive financial access. Compliance-ready
account structures bridging traditional
banking with decentralized rails.
uPay
Global spending with a unified card.
Frictionless P2P transfers and smooth online
and in-store payments connecting TradFi
with Web3.
uPay
Global spending with a unified card.
Frictionless P2P transfers and smooth online
and in-store payments connecting TradFi
with Web3.
uEarn
Loyalty points, cashback, and yield converted into interoperable U-Rewards. Rewards are structured as digital assets you can hold,
redeem, stake, or transfer.
uEarn
Loyalty points, cashback, and yield converted into interoperable U-Rewards. Rewards are structured as digital assets you can hold,
redeem, stake, or transfer.
uBank
Web2-native banking experience with
inclusive financial access. Compliance-ready
account structures bridging traditional
banking with decentralized rails.
uBank
Web2-native banking experience with
inclusive financial access. Compliance-ready
account structures bridging traditional
banking with decentralized rails.
uPay
Global spending with a unified card.
Frictionless P2P transfers and smooth online
and in-store payments connecting TradFi
with Web3.
uPay
Global spending with a unified card.
Frictionless P2P transfers and smooth online
and in-store payments connecting TradFi
with Web3.
uEarn
Loyalty points, cashback, and yield converted into interoperable U-Rewards. Rewards are structured as digital assets you can hold,
redeem, stake, or transfer.
uEarn
Loyalty points, cashback, and yield converted into interoperable U-Rewards. Rewards are structured as digital assets you can hold,
redeem, stake, or transfer.
uCoin
The native utility layer powering the ecosystem. Powers the wallet, payments, and rewards as the standard unit for fees and settlements.
uCoin
The native utility layer powering the ecosystem. Powers the wallet, payments, and rewards as the standard unit for fees and settlements.
Modern Risk Management
Advanced algorithms to reduce financial
fraud and operational risks. The security
of Web2 and decentralization of Web3.
Modern Risk Management
Advanced algorithms to reduce financial
fraud and operational risks. The security
of Web2 and decentralization of Web3.
Unparalleled Speed
Instant settlements without delays commonplace in traditional finance. Borderless payments without high FX or cross-border fees.
Unparalleled Speed
Instant settlements without delays commonplace in traditional finance. Borderless payments without high FX or cross-border fees.
uBank
Web2-native banking experience with
inclusive financial access. Compliance-ready
account structures bridging traditional
banking with decentralized rails.
uBank
Web2-native banking experience with
inclusive financial access. Compliance-ready
account structures bridging traditional
banking with decentralized rails.
uPay
Global spending with a unified card.
Frictionless P2P transfers and smooth online
and in-store payments connecting TradFi
with Web3.
uPay
Global spending with a unified card.
Frictionless P2P transfers and smooth online
and in-store payments connecting TradFi
with Web3.
uCoin
The native utility layer powering the ecosystem. Powers the wallet, payments, and rewards as the standard unit for fees and settlements.
uCoin
The native utility layer powering the ecosystem. Powers the wallet, payments, and rewards as the standard unit for fees and settlements.
Modern Risk Management
Advanced algorithms to reduce financial
fraud and operational risks. The security
of Web2 and decentralization of Web3.
Modern Risk Management
Advanced algorithms to reduce financial
fraud and operational risks. The security
of Web2 and decentralization of Web3.
Unparalleled Speed
Instant settlements without delays commonplace in traditional finance. Borderless payments without high FX or cross-border fees.
Unparalleled Speed
Instant settlements without delays commonplace in traditional finance. Borderless payments without high FX or cross-border fees.
uEarn
Loyalty points, cashback, and yield converted into interoperable U-Rewards. Rewards are structured as digital assets you can hold,
redeem, stake, or transfer.
uEarn
Loyalty points, cashback, and yield converted into interoperable U-Rewards. Rewards are structured as digital assets you can hold,
redeem, stake, or transfer.
uCoin
The native utility layer powering the ecosystem. Powers the wallet, payments, and rewards as the standard unit for fees and settlements.
uCoin
The native utility layer powering the ecosystem. Powers the wallet, payments, and rewards as the standard unit for fees and settlements.
Modern Risk Management
Advanced algorithms to reduce financial
fraud and operational risks. The security
of Web2 and decentralization of Web3.
Modern Risk Management
Advanced algorithms to reduce financial
fraud and operational risks. The security
of Web2 and decentralization of Web3.
Unparalleled Speed
Instant settlements without delays commonplace in traditional finance. Borderless payments without high FX or cross-border fees.
Unparalleled Speed
Instant settlements without delays commonplace in traditional finance. Borderless payments without high FX or cross-border fees.
Why We Built U-Topia
Why We Built U-Topia
uPay Card
The card that does more for YOU
Get a beautiful card that works everywhere. Virtual cards instantly, physical cards delivered to your door.
Free virtual card instantly
Physical card delivered free
Contactless payments worldwide
Instant freeze & unfreeze
Real-time spending notifications
Custom spending limits
uPay Card
The card that does more for YOU
The card that does more for YOU
Get a beautiful card that works everywhere. Virtual cards instantly, physical cards delivered to your door.
Get a beautiful card that works everywhere. Virtual cards instantly, physical cards delivered to your door.
Get a beautiful card that works everywhere. Virtual cards instantly, physical cards delivered to your door.
Free virtual card instantly
Free virtual card instantly
Free virtual card instantly
Physical card delivered free
Physical card delivered free
Contactless payments worldwide
Contactless payments worldwide
Contactless payments worldwide
Instant freeze & unfreeze
Instant freeze & unfreeze
Instant freeze & unfreeze
Real-time spending notifications
Real-time spending notifications
Custom spending limits
Custom spending limits
Meet the team behind U-Topia
Meet the team behind U-Topia
Meet the team behind U-Topia
We are supported by high-powered builders who value creative freedom and doing their best work. In past lives, we’ve led teams and projects at startups, large companies, and places in between.
We are supported by high-powered builders who value creative freedom and doing their best work. In past lives, we’ve led teams and projects at startups, large companies, and places in between.
Emmanuel Quezada
Founder & Chief Executive Officer
Owen Man Cheong Ma
Co-Founder & Chief Revenue Officer
Maissa Ballout
Chief Financial Officer
Ian Stirling
Chief Strategy Officer
Danosch Zahedi
Regional Network Advisor
Hitesh Mishra
Chief Compliance Officer
Alexia Chen
BD APAC
Emmanuel Quezada
Founder & Chief Executive Officer
Owen Man Cheong Ma
Co-Founder & Chief Revenue Officer
Maissa Ballout
Chief Financial Officer
Ian Stirling
Chief Strategy Officer
Danosch Zahedi
Regional Network Advisor
Hitesh Mishra
Chief Compliance Officer
Alexia Chen
BD APAC
Accounts
One App.
All Your Assets
Track, earn, and grow your portfolio across 7,000+ crypto assets – all in one app. Easily save, manage, and stay in control of your crypto world, wherever you are.
Open Account
Open Account
+7,000 currencies supported
24/7 multi-language customer support
Exclusive rewards & perks
High-yield stablecoin savings up to 18%
coming soon
Loans - collateralized and uncollateralized
coming soon
Your future
in finance starts here
Join thousands already banking smarter. Take control of your money, earn rewards, and experience what modern finance should feel like.
Accounts
One App. All Your Assets
Track, earn, and grow your portfolio across 7,000+ crypto assets – all in one app. Easily save, manage, and stay in control of your crypto world, wherever you are.
Track, earn, and grow your portfolio across 7,000+ crypto assets – all in one app. Easily save, manage, and stay in control of your crypto world, wherever you are.
Track, earn, and grow your portfolio across 7,000+ crypto assets – all in one app. Easily save, manage, and stay in control of your crypto world, wherever you are.
Open Account
Open Account
Open Account
+7,000 currencies supported
+7,000 currencies supported
+7,000 currencies supported
24/7 multi-language customer support
24/7 multi-language customer support
Exclusive rewards & perks
Exclusive rewards & perks
High-yield stablecoin savings up to 18% coming soon
High-yield stablecoin savings up to 18% coming soon
Loans - collateralized and uncollateralized coming soon
Loans - collateralized and uncollateralized coming soon
Your future
in finance starts here
Join thousands already banking smarter. Take control of your money, earn rewards, and experience what modern finance should feel like.
U-topia
U-topia puts YOU first - connecting modern banking, digital assets, and cross-chain opportunities in one universal wallet.
© U-topia 2026, All rights reserved.
U-topia
U-topia puts YOU first - connecting modern banking, digital assets, and cross-chain opportunities in one universal wallet.
© U-topia 2026, All rights reserved.
U-topia
U-topia puts YOU first - connecting modern banking, digital assets, and cross-chain opportunities in one universal wallet.
© U-topia 2026, All rights reserved.
U-topia
U-topia puts YOU first - connecting modern banking, digital assets, and cross-chain opportunities in one universal wallet.
© U-topia 2026, All rights reserved.