U-topia
built for YOU
Changing how global finance is used every day.
Simple. Yours. Ready When You Are.
Backed by leading investors, partners & advisors:
The U-topia EcosystemIntroducing U-topia
U-topia brings a new standard to digital finance
with a fully integrated payments ecosystem.
A decentralized crypto payments platform combining
global payments, yield opportunities, and non-custodial
control, delivering everything you expect from modern
finance, redesigned for Web3.
Borderless payments, no high FX or cross-border fees.U-Pay
The physical and virtual Visa card.U-Card
Spend and save on the everyday essentials, designed to fit seamlessly into your routine.Cards for your Daily Life
Diversified investment across crypto and traditional assets.Global Payments
Our MissionBuilt for the people
U-topia puts YOU at the centre of everything. Transparent fees, no surprises, no gatekeepers. Just seamless access to spending, saving, earning, and investing across digital and traditional finance.
The Team
AccountsOne App.
All Your Assets
Track, earn, and grow your portfolio across a wide
range of digital assets, all in one app.
What's happening
at U-topia
Events, builds and community news from across the ecosystem.
FLOW Summit 2026 comes to Bangkok
Two days in Bangkok for the U-center and U-topia community — and the official launch of the U-topia app.
Read moreBuild the future at the FLOW Summit Hackathon
A two-day build track in Bangkok for developers, designers and creators working on the U-topia ecosystem.
Read moreU-center: the community behind U-topia
The membership community around the U-topia ecosystem, and how members take part in what's being built.
Read moreQuestions,
Answered
Everything you need to know about U-topia, your account, and getting started.
An all-in-one financial app that brings digital assets, payments and cross-chain access together in a single wallet. A crypto wallet and a spending wallet sit side by side, with swap, send and receive built in.
Still have questions? Join the waitlist
Get StartedYour future in finance
starts here
Join thousands already spending smarter. Take control of your money, earn rewards, and experience what modern finance should feel like.
