Only 0.7% crypto top-up
A highly competitive 0.7% fee is planned when loading the card with crypto, subject to product launch, partner, region, and current terms.
Banking for the Digital Future.
UTOPIA and u.center bring together a fintech banking app for online banking, digital assets, Web3 infrastructure, and AI-powered technology. Simple, transparent, and built around you.
Secure your accessOne super app connecting crypto and fiat
UTOPIA · U-topia · u.center · U.center
UTOPIA and u.center are developing a modern financial super app that brings neobank and deobank features, online banking, digital assets, a crypto card, and decentralized wallets into one ecosystem. International availability is designed around local rules and licensed partners.
Decentralized & self-custodial
The self-custody wallet is designed to let you control your own keys and digital assets instead of relying on a centralized custody account.
Crypto meets fiat
The crypto-fiat bridge is intended to connect Bitcoin, Ethereum, stablecoins, and other digital assets with supported fiat currencies and everyday payments.
Free financial education for children
UTOPIA Kids explains money, saving, digital safety, blockchain, and AI in a free, age-appropriate way, independently of any financial product.
U-topia is not presented as a bank licensed worldwide. Features and availability depend on launch, country, regulation, licensed partners, and applicable terms.
Do you control your money?
The ultimate question.
Your card. Crypto or fiat — pay anywhere, instantly.
Banks are slow, bureaucratic, and outdated.
The Problem
- Banks are slow, bureaucratic, and outdated
- Global payments are expensive and inefficient
- Users do not have true ownership of their funds
- Emerging tech is feared — millions of people are locked out
Users do not have true ownership of funds
Finally built around you.
The Solution
The bank in your hand
Your complete financial life in one app — available anywhere, anytime.
Easily spend and send
Send, receive, and spend money — worldwide, in seconds.
Save time, save money
No hidden fees, no waiting. Smarter banking means more for you.
Earn as you use
Receive rewards on every transaction and benefit from a loyalty program.
Safe and compliance-focused
Designed for international requirements; actual availability and regulatory coverage depend on country and licensed partners.
An ecosystem built for you
Banking
- Global account
- Hold & manage multiple currencies
Pay
- Send and spend money across borders
- Fast remittances with transparent fees
Earn
- Rewards on your transactions
- Loyalty system & ambassador program
Your Money, Your Move
Your Money, Your Move
We are redefining banking by integrating U.Points, giving users direct, programmable ownership within a unified ecosystem.
- U.Points — direct, digital ownership
- Programmable ownership within the ecosystem
- Full control over your assets, no middlemen
- No legacy constraints — built digital from the ground up
What sets us apart
Seamless fiat-to-crypto conversion
Instantly move between traditional currency and digital assets within one unified ecosystem.
Real-time spending from digital assets
Spend crypto or fiat directly through the card with automatic backend conversion.
Worldwide remittance built-in
Send and receive cross-border payments faster and at lower cost than traditional banks.
Internationally oriented infrastructure
Designed around evolving financial regulations and digital asset standards, with implementation dependent on country and partners.
True ownership of funds
Users maintain direct control over their assets, no unnecessary custodial restrictions.
What if you were early?
What if …
These fintech pioneers show what is possible. An early $1,000 investment would be worth today:
Chime
$9BValuation
Estimated market value: $1,250,000
Wise
$15BValuation
Estimated market value: $1,700,000
Nubank
$72BValuation
Estimated market value: $5,000,000
Revolut
$75BValuation
Estimated market value: $7,500,000
What could a company be worth that unites all of this in one single app — licensed to operate worldwide?
Choose your u.center education pack
Reward Packs
and receive U.Points as a welcome gift.
R1
Bronze
$10077 U.Points
R2
Silver
$250193 U.Points
R3
Gold
$500385 U.Points
R4
Platinum
$1,000770 U.Points
Sweet SpotR5
Diamond
$2,5001,925 U.Points
Included in every pack
- Academy
- Financial Academy
- Social Media Academy
- AI Pro Tools
- U.Points
$25 registration is a one-time fee, not a pack.
The crypto card for everyday life
Crypto banking & crypto card knowledge
The intended product scope connects Bitcoin, Ethereum, stablecoins, and supported fiat currencies with an IBAN, crypto card, decentralized wallet, and AI assistant. Actual availability depends on product launch, licensed partners, card issuance, and region; this also applies to Apple Pay and Google Pay.
Why a crypto debit card with a decentralized wallet?
Spend crypto every day
After product launch, use the crypto card contactlessly, online, and at ATMs — with Apple Pay and Google Pay where the card and region are supported.
Real-time crypto-fiat bridge
The planned bridge connects Bitcoin, Ethereum, USDT, and other digital assets with supported fiat currencies; conversion and settlement depend on the relevant partner.
Coming Soon
Your own IBAN — cash out crypto
Convert crypto to fiat and withdraw straight to your own IBAN account — no detours through external exchanges.
Multichain self-custody wallet
Your decentralized wallet, your keys, your money. Multichain support covers the networks currently available; broader all-chain coverage is part of the continuing roadmap.
0.7% crypto top-up planned
A competitive 0.7% fee is planned when loading the card with crypto, subject to product launch, partner, region, and current terms.
AI banking assistant
A smart AI-powered assistant helps you with spending, saving goals and crypto investments.
Crypto-fiat gateway explained
UTOPIA and u.center are developing a fintech banking app for people who want to use digital assets in everyday life. The intended product scope connects Bitcoin, Ethereum, and stablecoins with supported fiat currencies through a crypto-fiat bridge. After the relevant product launch, a self-custody wallet can complement a crypto card for contactless payments, online shopping, or ATM use. IBAN access, the multichain wallet, Apple Pay, and Google Pay depend on licensed partners, card issuance, country, and availability. Additional fiat currencies and networks are planned to be added step by step.
Frequently asked questions about crypto cards
What is a crypto card?
A crypto card is a debit or credit card that lets you pay directly with cryptocurrencies like Bitcoin or Ethereum. The crypto is converted to fiat automatically at the moment of purchase.
What is a crypto-fiat gateway?
A crypto-fiat gateway bridges the crypto world with classic banking. It converts digital assets like BTC, ETH or USDT into fiat currency — and vice versa.
Do I need my own wallet?
Yes, your wallet stays decentralized and you keep control over your keys — true to 'Not your keys, not your money'.
Which networks and coins are supported?
Multichain support covers EVM-compatible networks and major stablecoins. More chains and coins are being added step by step.
Which fiat currencies are supported?
The app supports the fiat currencies currently available through the product. Coverage is expanding; check the current availability for your country and provider before use.
Can I pay with Apple Pay or Google Pay?
Apple Pay and Google Pay can be used where the relevant platform, card, and region are supported.
What is the crypto top-up fee?
A competitive 0.7% fee is planned when loading the card with crypto. The terms published for the partner, country, and card at product launch will apply.
How is New Banking different from the Bitpanda or Crypto.com Card?
New Banking combines a decentralized self-custody wallet, your own IBAN, a Visa debit card and an AI banking assistant in one app — and through U.Points you can even receive Owner Rights.
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