140+ Countries · 50+ Fiat & Crypto Assets

Use Crypto
Like Cash

Secure. Compliant. Borderless.

Manage crypto and fiat in one wallet. Spend, send, and withdraw anywhere in the world — instantly.

Apply NowSee How It Works
140+
Countries
50+
Assets
T+0
Settlement
Compliant
KYC/AML

How It Works

Start with crypto or start with fiat

Start with Crypto

  1. 1Identity Verification (KYC)
  2. 2Deposit Crypto
  3. 3Convert to Fiat
  4. 4Spend · Withdraw
🏦

Start with Fiat

  1. 1Open Account
  2. 2Top Up via Bank
  3. 3Buy Crypto
  4. 4Hold · Convert · Send

Features

All your finances in one place with UpPay

💳

UpCard Payments

Pay online and in-store with virtual or physical card. Works at POS terminals and ATMs worldwide.

🌍

Global Transfers

Move funds across borders in seconds. Fast international transfers with no hidden fees.

📄

Bills & Subscriptions

Pay recurring bills and subscriptions with crypto or fiat easily.

🏧

Bank Withdrawals

Withdraw to your linked bank account instantly with T+0 settlement.

👛

Unified Wallet

Manage BTC, ETH, USDT, USDC and fiat currencies all in one wallet.

🔄

Instant Exchange

Real-time crypto ↔ fiat conversion at transparent rates, anytime.

Who Is It For?

A platform designed for diverse users

💼
HNW Individuals
🧑‍💻
Freelancers
🚀
Entrepreneurs
👥
Remote Teams
🌐
Web3 Pros

Security & Trust

Institutional-grade security and global compliance

🛡️

Institutional Security

Enterprise-level security protocols keep your assets safe at all times.

Global KYC/AML

Full KYC/AML compliance meeting regulatory requirements worldwide.

T+0 Settlement

Real-time settlement system for instant, delay-free transaction processing.

💰

Transparent Fees

No hidden costs — a clear and transparent fee structure every time.

Why UpFinance?

Not just a crypto card. A complete global financial infrastructure.

ComparisonUPFINANCE
REDOTPAYTEVAU
Direct payment processing (no intermediary)
Real bank accounts (EU · HK · US, etc.)
Crypto ↔ Fiat T+0 direct settlement
140+ country fiat supportPartialPartial
Business payment tools (payroll · suppliers)
Investment features (stocks · real assets)
Savings & term depositsPartial
Large-scale transactions (millions+)
🏦

Full Financial Infrastructure

Not just a card — a complete financial platform for individuals, businesses, and institutions.

Direct Settlement

No card networks or intermediaries. T+0 instant settlement with zero delay.

🌍

Truly Global

Real bank accounts in EU, HK, US & Singapore. 140+ country fiat support.

Asset Flow & Exchange

Experience seamless movement between digital assets and fiat currencies. Visa merchants, 140+ countries supported.

🔄
CryptoFiat

Instantly convert crypto to fiat for everyday payments

↔️
CryptoCrypto

Swap freely between BTC, ETH, USDT and more

💰
FiatCrypto

Buy crypto instantly with your fiat balance

🌍
FiatFiat

Exchange and transfer across 140+ global fiat currencies

See UpFinance in Action

Watch tutorials and real card reviews on our YouTube channel

Watch Shorts

FAQ

Find answers to common questions about our service

Get Started Today

Crypto and fiat as one. Experience borderless finance with UpFinance.

Apply Now
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