UTEXO

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COMPANY detail

UTEXO
APIs and products for private, instant payments

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UTEXO

Company Overview.

Year Founded 2025
Status Private
Specialties Payments
Company Size 11-50 Employees
Industry Technology, Information and Internet
Location Dubai, UAE

Description.

Utexo is a Dubai-based Bitcoin-native settlement network enabling fast, private, and compliant USDT payments for retailers, businesses, and financial institutions. Founded in 2025, the company built its infrastructure on Bitcoin, the Lightning Network, and RGB protocol to provide scalable rails for stablecoin settlement without relying on expensive, congested Layer 1 execution. Utexo's mission is to turn Bitcoin into the global leading settlement layer for stablecoins. The company offers two primary products: Utexo API for programmatic USDT settlement with configurable fees and privacy, and Utexo Cloud for fully managed Lightning Network infrastructure with enterprise-grade yield generation. In March 2026, Utexo raised a $7.5 million seed round co-led by Tether, Big Brain Holdings, and Portal Ventures, with participation from over fifteen institutional investors including Franklin Templeton, Maven11 Capital, Flow Traders, and Alchemy. The company targets enterprise wallets, retail wallets, custodians, exchanges, and payment service providers (PSPs) looking to reduce settlement costs and capital lock-up.

Key Infrastructure.

USDT Settlement API
USDT Settlement API
APIs to settle USDT payments instantly with configurable fees and built-in privacy on Bitcoin Lightning Network
USDT Bridge
USDT Bridge
Route USDT from all networks into Bitcoin on private payment rails
Utexo Cloud
Utexo Cloud
Fully managed Lightning Network infrastructure for stablecoin payments and yield on BTCUSDT
Enterprise Wallets
Enterprise Wallets
Enable in-wallet native BTCUSDT settlement and yield generation
Cross-chain Swaps
Cross-chain Swaps
Intent-based cross-chain swaps with low latency and best rates for BTCUSDT conversion
Retail Wallets
Retail Wallets
Set your own fees on user-generated volume with configurable settlement costs

Additional Features.

Real-time Settlement
Sub-second transaction finality reducing capital lock-up significantly
Scalable Infrastructure
Performance stays consistent from 1x to 100x volume without degradation
Configurable Fees
Fees defined upfront and don't fluctuate with network activity
Node Lifecycle Management
Automated versioned deployments and health monitoring for nodes
Privacy Preservation
AML compliance without exposing sensitive data on-chain
Yield Generation
Turn BTCUSDT volume into recurring revenue for custodians

General Questions.

Utexo provides Bitcoin-native settlement infrastructure for USDT, enabling businesses to settle stablecoin payments instantly on the Lightning Network with configurable fees and privacy. It offers API for programmatic settlement and Cloud for managed Lightning infrastructure.

Target customers include enterprise wallets, retail wallets, custodians, cryptocurrency exchanges, and payment service providers (PSPs) looking to reduce settlement costs and capital lock-up.

Utexo is Dubai-based. Specific licensing details are not publicly disclosed, but the platform includes built-in AML compliance for payments.

Bitcoin, Lightning Network, RGB protocol for the settlement layer. Stablecoins: USDT primarily.

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