MPC-secured keys

Built-in KYC/AML

EU-licensed compliance

Embedded crypto wallet infrastructure for fintechs and Web3 products

Q: Is this a custodial wallet?

No. Keys are split using multi-party computation (MPC), so no single party ever holds a complete private key — your users hold their own funds at all times, and your product carries no custodial liability.

Q: How long does integration take?

Most teams complete their wallet integration in a single sprint, with sandbox access within 24 hours of signing and production launches typically in under a month.

Q: What blockchains are supported?

Utorg's wallet infrastructure supports 14 blockchains, covering the major EVM-compatible networks as well as non-EVM chains, with new networks added over time based on demand.

Q: How is compliance handled?

Utorg is an EU-licensed fintech company, PCI DSS Level 2 certified, and MiCA-authorized across 29 EEA countries. KYC/AML checks, AML transaction screening, sanctions monitoring, and regulatory reporting are all part of the platform.

Q: Can I white-label the wallet experience?

Yes. The wallet renders inside your app with your branding, your colors, and your UX flow — zero Utorg branding visible to end users.

Q: How does the KYC/AML process work for end users?

Onboarding uses AI-powered identity verification that most users complete in under 5 minutes, directly inside your product. Verification results, risk scoring, and ongoing monitoring are handled by Utorg.

Q: What support do we get after launch?

You keep your dedicated integration manager post-launch, alongside technical documentation and sandbox access. Platform monitoring, compliance updates, and blockchain network additions are maintained by Utorg.

Utorg gives fintechs, Web3 apps, marketplaces, and platforms the infrastructure to embed non-custodial crypto wallets directly into their product. One API or white-label widget to launch wallet creation, crypto purchases, KYC/AML, and card spending without building regulated wallet infrastructure in-house.

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Compliance covered

Utorg is a licensed operator with PCI DSS Level 2 certification and a MiCA licence, allowing us to operate 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.

Reliable by default

Tested on millions of transactions, the widget delivers consistent conversion on both mobile and desktop

Everything your users need in one integration

M+

Card-accepting merchants worldwide

130+

Countries for card spending

<5 min

KYC completion with AI-powered verification

Trusted by

24/7/365 support

4.7/5 Excellent on Trustpilot

Wallets are the bottleneck for crypto products. Not anymore.

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The real cost of building an in-house crypto wallet

What changes

Building in-house

With Utorg

Time to launch

6–10 months

Live in a sprint

Initial build cost

$80K–$500K+

No build required

Security audits

$15K–$300K+ per year

Covered by Utorg

Compliance

Licensing market by market

MiCA licence inherited

Custodial liability

On your balance sheet

None — MPC self-custody

Maintenance

Permanent engineering tax

Utorg maintains the rails

What's inside

A fully operational wallet infrastructure layer that handles payments, compliance, and crypto delivery.

Self-custody by design

Your users hold their own keys. No custodial risk on your end, no liability for frozen funds.

Compliance pre-built

EU-licensed, PCI DSS Level 2 certified and MiCA authorization. Ship in regulated markets without the compliance overhead.

Crypto card, ready to issue

In-app crypto purchases

Let users buy crypto directly inside your product (no redirects).

API-first integration

REST API and white-label widget options. Embed in your stack with minimal engineering effort.

Simple user onboarding

Intuitive interface, AI-powered KYC/AML completed in under 5 mins. Higher conversion, less support overhead.

One integration, the full wallet experience

Wallet creation, crypto purchases, KYC/AML, and card spending through one API or white-label widget — without building regulated wallet infrastructure in-house.

REST API or widget

Embed in your stack with minimal engineering effort — build fully custom on the API or drop in the white-label widget.

Card powered by Wirex

Your users spend crypto at 80M+ merchants in 130+ countries, like any regular card.

Regulated by default

EU-licensed, PCI DSS Level 2 certified and MiCA-authorized across 29 EEA countries.

Who builds with Utorg wallet infrastructure

Utorg fits wherever your users need crypto without derailing your roadmap.

Fintech & neobanks

Add crypto wallets and card spending to your existing product without touching your core infrastructure.

Web3 & GameFi

Give your users a real wallet experience (purchases, spending, and self-custody) without building the rails yourself.

B2B SaaS & payroll tools

High-throughput fiat-to-Enable crypto payouts and spending for your business customers with a single integration.crypto rails and institutional-grade settlement for global platforms.

Super apps & platforms

Expand into crypto as a feature, not a project. Keep your users inside your ecosystem, end to end.

24/7/365 support

4.7/5 Excellent on Trustpilot

Everything in the flow. Nothing else to build.

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Learn more about wallet infrastructure

Common questions

Is this a custodial wallet?

No. Utorg’s wallet infrastructure is non-custodial by design. Keys are split using multi-party computation (MPC), so no single party ever holds a complete private key. Utorg never holds the full key, and neither does your product: your users hold their own funds at all times. This also means your product carries no custodial liability, no obligation to insure user funds, and no exposure if a key is compromised on one side, since MPC requires multiple parties to authorize any transaction.

How long does integration take?

Most teams complete their wallet integration in a single sprint. You get a dedicated integration manager from day one, documented SDK and REST API references, and sandbox access within 24 hours of signing. Depending on whether you use the white-label widget or build directly against the API, teams typically go from kickoff to a working test environment in days, and to production in under a month.

What blockchains are supported?

Utorg’s wallet infrastructure supports 14 blockchains, covering the major EVM-compatible networks as well as non-EVM chains. The full, up-to-date list is available in the integration documentation, since supported networks are added over time based on demand.

How is compliance handled?

Utorg is an EU-licensed fintech company, PCI DSS Level 2 certified, and MiCA-authorized to operate across 29 EEA countries. KYC/AML checks, ongoing AML transaction screening, sanctions list monitoring, and regulatory reporting are all part of the platform. When you integrate, you inherit Utorg’s compliance posture, which means you can ship in regulated markets without building a compliance function in-house.

Can I white-label the wallet experience?

Yes. The wallet renders inside your app, using your branding, your colors, and your UX flow with zero Utorg branding visible to end users. You control the interface entirely, whether you use the pre-built widget or build a fully custom UI on top of the API.

How does the KYC/AML process work for end users?

Onboarding uses AI-powered identity verification that most users complete in under 5 minutes. Users submit a government ID and a liveness check directly inside your product without redirecting to a third-party site. Verification results, risk scoring, and ongoing monitoring are handled by Utorg, so your support team isn’t fielding onboarding tickets.

What support do we get after launch?

You keep your dedicated integration manager post-launch, alongside technical documentation and sandbox access for testing new features. Ongoing platform monitoring, compliance updates, and blockchain network additions are maintained by Utorg without requiring changes on your end.