Money Moves Smarter.
One account for crypto and fiat. Spend, swap, earn, and invest — borderless, 24/7.
Built on The World's Leading Financial Networks
UpFinance is the Web3-Era Digital Bank. We are rebuilding the financial architecture to enable seamless, borderless money movement through stablecoins.
AI-Powered Web3 Banking
Infrastructure
Built to power the next generation of global banking, payments, and digital asset infrastructure.
One Account, Global Reach
- All assets in one account — fiat, crypto, stablecoins
- For individuals & enterprises
- 22+ currencies, 150+ countries
Full-Stack Product Suite at Scale
- Super App (UpCard, UpPay, UpSwap, UpEarn, UpInvest, UpFun)
- API Infrastructure for B2B
- SaaS & White-label for enterprises
AI-Powered Payment Orchestration
- Global payment aggregation across fiat & crypto rails
- Self-learning routing for best rates
- T+0 settlement
Agent-Embedded Financial Marketplace
- DeFi & TradFi in one place
- AI portfolio optimization
- Prediction markets, tokenized assets
Send to 150+ countries. Seconds, not days.
22+ currencies. T+0 settlement.
$0.00 – $ 50000 .00 USD
Crypto ↔ Fiat
Swap between 22 currencies in one tap
35,900 .50
60%
Asset
"Spend anywhere Visa and Mastercard is accepted. 130M+ merchants."
Wealth Favors The Explorers
Tokenized T-Bills. SFC Licensed.
Earn up to 8% APY.
Flexible withdrawal. No lock-up.
Predict.
Play.
Profit.
Monthly Spending
92%
Total earned
$ 100,333 .50
234.45%
UpCard - Spend Anywhere. Any Asset. Any Currency.
Use crypto or fiat at 130M+ merchants with seamless conversion in real time.
UpCard - Universe
UpCard - Gold
UpCard - Rainbow
UpCard - Blue
UpCard - NL
UpCard - Pluto
UpCard - Diamond
UpCard - Uranus
UpCard - X
Start Your Global Account in 4 Simple Steps
Fund Your Account
Deposit via bank transfer, card, or crypto. Everything lands in one unified balance.
Swap Instantly
Convert between fiat and crypto in one tap. Best-rate routing, zero friction.
Activate UpCard
Load from any asset in your balance. Start spending at 130M+ merchants worldwide.
Go Global
Spend at 130M+ merchants. Earn up to 8% APY. All from one account, no borders.
Available in 150+ Countries
Connected to Visa, Mastercard, SWIFT, and 10+ blockchain networks. Your money moves wherever you want.
Powered by the Best in Global Finance
We aggregate world-class financial partners across every layer — there's always one built for you.
Global card networks powering seamless spending at 130M+ merchants. Virtual and physical issuance, worldwide.
The security of traditional finance rails combined with the speed and reach of blockchain settlement.
50%
Faster settlement compared to traditional cross-border banking systems.
Regional banking leaders with global reach. Building your personal financial infrastructure across jurisdictions.
Licensed exchange, T-Bill access, and DeFi yield — all from one integrated marketplace.
MPC-based custody and key management. Institutional-grade asset protection for every balance.
Prediction markets at your fingertips. Bet on outcomes, earn from insight.
Licensed, Trusted, Built for Global Finance
Operating across multiple jurisdictions with institutional-grade infrastructure
10+
Licenses acquired
8
Licenses in approval
50+
Countries for business operations
150+
Countries for user registration
Level Up Your Wealth
Open your account in 5 minutes. No minimums. No borders.