No redirects, fully in-app
KYC/AML built in
Live within 24 hours

Crypto in. Fiat out.
Inside your product.

An embedded on-/off-ramp that loads inside your app. No redirects, no custom KYC builds, no banking integrations. One widget handles payments, compliance, and settlement in both directions.

175
Countries covered out of the box
EMEA, APAC, and LATAM from day one
One widget for payments,
compliance, and settlement
Zero
redirects
The entire journey stays in-app — no third-party checkout breaking the experience.
Utorg embedded on/off-ramp
30+
Payment methods
26
+
Local fiat currencies
24h
From signing to live sandbox
Integrated with

The problem

Every fintech, wallet, or gaming platform eventually hits the same wall: users want to move between fiat and crypto without leaving the product, and building that in-house is a much bigger job than it looks.
A real on/off-ramp means becoming a regulated money-services entity in every market you serve, sourcing local banking partners one by one, standing up a KYC/AML pipeline that holds up to audit, and maintaining it all as rules shift under you. Most teams that start this project spend months on compliance and infrastructure before a single user completes a transaction, and the ramp becomes a permanent maintenance burden instead of a shipped feature.

The difference

Most on-/off-ramps pull users to a different site at the moment of crypto purchase. Utorg keeps the entire journey in-app.
What changes
The typical on-/off-ramp
Utorg embedded ramp
User journey
Users leave your product
Fully in-app, no redirects
KYC flow
Re-verify on every service
Verify once, inside the widget
Payment methods
Per-region banking deals
30+ out of the box
Coverage
Market by market
175 countries
Compliance
Your problem to build
KYC/AML built in
Time to launch
Months of infrastructure
Live within 24 hours

What's included

One widget handles the full flow and has everything you and your users needs. Your team ships features instead of infrastructure.

White-label UI

Your brand, your colors, and zero Utorg branding

Built-in KYC/AML

AI-powered verification completes in under 5 minutes

175 countries

EMEA, APAC, and LATAM coverage out of the box

30+ payment methods

Cards, bank transfers, Apple Pay, Google Pay, PIX, UPI, Open Banking, Blik, MBWay, and more

26+ local fiat currencies

Users pay in their local currency

Multiple crypto and blockchain support

30+ coins across 14 blockchains, with more added regularly

Ramps for every product

No matter your niche or how much crypto experience your team has, the embedded on-/off-ramp fits into your existing product without a rebuild.

Fintech & neobanks

Add crypto buy/sell to your existing product without building a second KYC flow or negotiating local banking rails yourself.

Web3 & GameFi

Let players and users top up wallets or cash out without ever leaving your app. No third-party checkout breaking the experience.

Exchanges & trading platforms

Onboard new users faster with a fiat-to-crypto entry point that doesn’t bounce them to an external provider mid-signup.

Marketplaces & super apps

Offer crypto as one more payment rail alongside cards and bank transfers, without adding a standalone crypto product to maintain.

Why teams choose Utorg

Utorg is a licensed operator with PCI DSS Level 2 certification and fully aligned with MiCA, allowing us to operate legally in 29 EEA countries. Legal and regulatory obligations on our side.

Compliance covered

Utorg is a licensed operator with PCI DSS Level 2 certification and fully aligned with MiCA , allowing us to operate legally in 29 EEA countries. Legal and regulatory obligations on our side.

Live within 24 hours

A dedicated integration manager and detailed API docs make setup effortless. Sandbox access from day one.

Reliable by default

Tested on millions of transactions, the widget delivers consistent conversion on both mobile and desktop.
Learn more about the embedded on/off-ramp
Common questions

How long does integration take?

Most teams go live in a sandbox within 24 hours of signing. You get a dedicated integration manager, documented SDK, and widget configuration options from day one, so your engineering team can start testing against real endpoints almost immediately rather than waiting on a lengthy onboarding process.

Do users leave my app to complete a purchase or sell?

No. Payment, identity verification, crypto purchase, and crypto sell all happen inside the widget, embedded directly in your product’s own interface. That matters more than it sounds: every redirect in a financial flow is a moment where users can hesitate, lose trust, or simply not come back. Keeping the full journey in-app means no drop-off at the exact point users are most likely to convert.

Can I fully white-label the widget?

Yes. The widget adapts to your brand’s colors, typography, and visual language, with zero Utorg branding visible to end users. You control the look and feel of the flow end to end; Utorg’s infrastructure runs underneath it, invisibly. The result is a widget your users will simply experience as a native part of your product.

Are you regulated?

Yes. Utorg is a licensed company, PCI DSS Level 2 certified, and holds a MiCA licence, allowing us to operate legally across 29 EEA countries. Compliance obligations, including KYC, AML screening, sanctions checks, sit on our side, so your product inherits a regulated posture without building one from scratch.
24/7/365 support
4.7/5 Excellent on Trustpilot
Every product eventually hits the fiat-to-crypto wall. Yours doesn't have to.
Backed by
Dragonfly
TA Ventures
Angels from Shift4