Description.
UPay is a next-generation crypto finance infrastructure and Visa card issuer founded in 2021, headquartered at 116 16th Street, Denver, Colorado, United States. The company operates as a dual-track business: (1) B2C retail platform offering virtual and physical Visa prepaid cards enabling real-time crypto-to-fiat spending at 55+ million merchants globally, and (2) B2B white-label infrastructure serving fintech companies, crypto exchanges, and money service operators.
UPay's core technology provides instant crypto-to-fiat conversion using users' digital assets as collateral to obtain spending limits, with support for Bitcoin, Ethereum, BNB Smart Chain, and TRON networks. The platform integrates with Apple Pay, Google Pay, WeChat Pay, and Alipay for mobile payments, while offering global ATM withdrawal capabilities across 180+ countries. The white-label solution includes full API connectivity for seamless platform integration, customized card design services, comprehensive management dashboards for real-time transaction monitoring, and end-to-end technical support.
The company holds MSB (Money Services Business) registrations in the United States and Canada, plus a Hong Kong Money Service Operator license (#24-01-00101), with KYC/AML verification powered by Sumsub. Strategic partnerships include Visa (as a card network partner), StraitsX (for stablecoin rails), and Sumsub (for compliance verification). The platform reports 20,000+ cards issued, $30M+ total spending, and 50,000+ users, with a self-reported $200M+ secure volume.
Key Infrastructure.
UPay White Label
White-label model for fintechs, exchanges, money service operators. Fast deployment (days not months) with full customization from card design to wallet type.
Crypto Finance Infra
UPay is a next-generation crypto finance infrastructure, breaking down barriers between digital assets and the real economy. Through innovative payment solutions, we provide a Visa debit card seamlessly linked to your crypto wallet.
Instant Conversion Engine
Instantly top up your digital asset to the card and get spending credit at a preferred rate. UPay Card uses users’ asset as collateral to obtain spending limit.
Mobile Pay Gateway
Link your card to your Apple or Google Pay wallet to add on the convenience. 0 waiting, immediate activation, binding APPLE PAY/Wechat pay/alipay.
Secure Wallet Stack
Bank-level security technology, multi-signature and cold/hot wallet separation, comprehensive asset protection for all digital wealth.
Remittance Rails
UPay App offers convenient deposit, spending and transfer features... Transfer funds to your family and friends globally.
Additional Features.
Global ATM Access
Immediate withdraw at domestic or overseas ATMs globally with multi-currency settlement supported in 180+ countries.
High Spending Limits
Spend your digital asset anytime, anywhere... with high-limit physical and virtual cards designed for the modern world.
UPay x StraitsX
Strategic collaboration with StraitsX to enable stablecoin rails and integrated payment solutions for regional digital asset commerce.
Sumsub Compliance
Partnered with Sumsub for fast and efficient KYC reviews, typically taking 5-10 minutes for user verification in over 150 countries.
Multi-chain Support
Native support for Bitcoin, Ethereum, BSC, and TRON networks for seamless cross-chain deposits and withdrawals.
99.99% System Uptime
Robust technical architecture ensuring 99.99% system uptime for reliable global financial operations and card clearing.
