Yes. VASP activities are conducted through Chain Valley Sp. z o.o. (KRS No. 0001036419), card services are provided by FCA-regulated partners including Wirex Limited, and Utorg holds a MiCA licence covering 29 EEA countries.

~8 second settlements

€0.02–€0.20 per transaction

24/7/365, zero intermediaries

Pay contractorssupplierssellerspartnerscontractors anywhere, anytime

Q: Which stablecoins do you support?

USDC across all supported chains, keeping liquidity deep and pricing consistent across every corridor.

Global settlements that replace SWIFT, correspondent banks, and 3-day transfer windows with a single API. Stablecoin rails under the hood.

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Average settlement time

24/7, weekends and holidays included

Bulk payouts
in one API call

Zero
intermediaries

No correspondent banks, no hidden cuts — funds arrive as sent.

Utorg settlements

8 sec

Settlement speed

0.02

-0.20€

Per transaction

24/7

Always on

Powering global settlements for

24/7/365 support

4.7/5 Excellent on Trustpilot

Expand to a new market. Faster rails, lower fees, one API.

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Legacy wire transfers vs. global settlements

What changes

Legacy wire transfers

Global settlements

Settlement speed

2–5 days

~8 seconds

Transaction cost

€25–$65 per transaction

€0.02–€0.20

Operating hours

Business hours

24/7/365

Intermediaries

3–5 hops

Payment tracking

None

Real-time

Bulk payouts

Manual portal

API — 1 call

The Problems We Remove

Everything that makes legacy cross-border payments slow, expensive, and opaque

2–5 day settlement windows

T+2 or T+3 settlement means your cash is stuck in transit while suppliers, partners, and contractors wait.

Hidden fees

SWIFT correspondent banking means 3–5 intermediaries each taking a cut. A €10,000 wire can arrive as €9,600.

Unpredictable rails

No real-time status. Payments get stuck in compliance queues while your team chases wire confirmations across 12 time zones.

Manual, error-prone workflows

Scaling payouts to hundreds of recipients means spreadsheets, bank portals, and reconciliation headaches. One wrong digit can freeze a payment for weeks.

Zero payment visibility

Legacy wires offer no tracking in transit. Utorg gives you real-time status on every payout, end to end.

Business-hours-only banking

Wires move only when banks are open. Stablecoin rails settle 24/7/365 — weekends and holidays included.

One API call. Money anywhere in the world.

Utorg’s global settlements replace the entire cross-border payment stack with a single integration.

Transparent, Flat-Rate Fees

A single predictable fee per transaction — €0.02–€0.20 instead of €25–65 per wire. Know your exact payout costs before you send, whether you’re paying one recipient or ten thousand.

Fast Stablecoin Settlements

Transactions settle on-chain in under 10 seconds, 24/7, including weekends and public holidays. No banking hours, no wire cutoffs, no cash stuck in transit.

Automated Bulk Payouts

Pay one recipient or ten thousand with the same API request. Utorg handles sequencing, retries, and reconciliation automatically, so your ops team doesn’t have to babysit a bank portal.

Compliance Without the Overhead

AML screening, KYB verification, and sanctions checks are embedded in every transaction flow. Expand into new markets without building a compliance function in-house.

The benefits for both parties

Great for your business. Great for your recipients

Great for your Great for your business

Great for your recipients

Send and settle funds in stablecoins

Recipients get paid without needing a wallet or any crypto experience (funds arrive directly on their Utorg card in fiat)

Hold and manage payout funds on your own schedule

Funds settle on-chain in seconds, 24/7, so recipients aren’t waiting on banking hours or wire cutoffs.

Pay contractors, suppliers, and liquidity partners anywhere

No conversion steps for recipients to manage

Avoid wire volatility and hidden intermediary cuts

Recipients get a permanent, unique payout destination

Track every payout with real-time status and full reconciliation

Compliance (AML, sanctions screening) runs automatically in the background

Integrate in a Day. Go Live in a Week.

You get API documentation, test credentials, and a dedicated integration contact from the start, so your engineering team builds against real endpoints immediately — no lengthy onboarding calls.

5 Chains, Routed Automatically

Ethereum, Arbitrum, BSC, Polygon, and Solana. Chain selection, gas management, and confirmation tracking are abstracted away from your integration.

USDC Under the Hood

A single, widely-audited stablecoin keeps liquidity deep and pricing consistent across every corridor.

Regulated by Default

VASP-registered and MiCA-licensed for 29 EEA countries, with card services provided by FCA-regulated partners.

Learn more about global settlements

Common questions

How fast can we integrate?

Most teams are live in a sandbox in under a day and in production within a week. You get API documentation, test credentials, and a dedicated integration contact from the start, so your engineering team can build against real endpoints immediately rather than waiting on lengthy onboarding calls.

What chains do you settle on?

Ethereum, Arbitrum, Binance Smart Chain, Polygon, and Solana. Settlement routing across these chains is handled automatically on Utorg’s side: you send a single API request and the underlying chain selection, gas management, and confirmation tracking are abstracted away from your integration.

Which stablecoins do you support?

USDC across all supported chains. Using a single, widely-audited stablecoin keeps liquidity deep and pricing consistent across every corridor, rather than fragmenting settlement across multiple stablecoin issuers with varying redemption guarantees.

What happens if the recipient doesn’t have a wallet?

No wallet needed. Recipients get funds directly to their Utorg card. Available in USD. This means you can pay contractors, suppliers, or partners who have no crypto experience at all because they receive fiat-equivalent value they can spend immediately, without ever needing to manage a wallet, seed phrase, or exchange.

Are you regulated?

Yes. Our VASP activities are conducted through Chain Valley Sp. z o.o., registered in the Polish Register of Virtual Currency Businesses under KRS No. 0001036419. The crypto card service is provided by regulated partners, including Wirex Limited, which is authorised and regulated by the UK Financial Conduct Authority (FCA). In addition, our company has secured a MiCA licence, allowing us to operate in 29 EEA countries legally. This layered regulatory structure means every settlement and card transaction flows through licensed, audited entities rather than an unregulated intermediary.

What’s the pricing?

Flat fee per transaction, with volume tiers available as your payout volume scales. Talk to sales for a quote tailored to your specific payout flow and corridors.

How do bulk payouts work?

You submit a single API call with your full list of recipients, amounts, and destinations. Utorg handles sequencing, retries on failed transactions, and reconciliation automatically, so there’s no manual upload to a banking portal and no spreadsheet tracking required on your end.