# Utexo

> Move USDT privately and instantly on Bitcoin.

Utexo is a Bitcoin-native stablecoin settlement layer. It lets payment operators such as exchanges, wallets, and custodians settle USDT instantly and privately using Bitcoin and the Lightning Network.

Utexo is a company operating a Bitcoin native execution and settlement layer for stablecoin payments. It allows payment operators, including exchanges, wallets, custodians, and payment service providers, to move USDT with predictable costs, private execution, and settlement anchored to Bitcoin. The platform is aimed at operators that need deterministic margins and confidential transaction flows rather than public blockchain fee markets.

The system addresses limitations in existing stablecoin rails, where fees fluctuate with network congestion and transaction details are publicly visible. Utexo combines the RGB protocol for issuing and transferring stablecoins with the Lightning Network for instant execution, while anchoring cryptographic commitments to the Bitcoin blockchain for settlement finality. Transactions are processed off-chain within its settlement layer, with only commitments published on-chain, and operators access the system through a single software development kit and API rather than integrating multiple systems.

Utexo offers an API product for direct integration and a managed Cloud offering that provides hands-off Lightning infrastructure for stablecoin payments and yield. Its tools are grouped by customer type, covering payment service providers, exchanges, custodians, and retail and enterprise wallets, along with use cases such as iGaming that require consistent latency and fixed fees. The platform is used by payment companies and financial operators seeking to offer USDT transactions and USDT to bitcoin swaps to their own clients.

- Type: Company
- Sector: Infrastructure
- Status: Active
- Founded: 2025-07-01
- Profile: https://thegrid.id/profiles/utexo

## Products

- [Utexo Bridge](https://thegrid.id/profiles/utexo): Utexo Bridge is a cross-chain bridge for atomic swaps between Bitcoin (RGB and Lightning) and other blockchains such as Ethereum, enabling private transfers with instant settlement on Bitcoin. (Bridge, Live, Main Product)
- [Dev Utexo](https://thegrid.id/profiles/utexo): Dev Utexo is a developer tooling suite providing SDKs, RPCs, and a node API with webhook and token-based authorization for building applications on Bitcoin's Lightning Network and RGB asset layer. It exposes methods for wallet management, asset issuance and transfer, on-chain Bitcoin interactions, and Lightning payments, with client-side validation so no shared state is sent to a central server. Developers use it to embed stablecoin issuance, transfer, and payment functionality into their own applications without operating their own nodes or infrastructure. (Developer Tooling, In Development)
- [One Click Cloud](https://thegrid.id/profiles/utexo): One Click Cloud is a managed infrastructure service that runs Lightning Network and RGB nodes on behalf of payment operators without requiring them to operate their own node stack. It offers versioned deployments, node-level access control, health monitoring, and lifecycle management while keeping private keys stored in the operator's own environment. Exchanges, liquidity providers, neobanks, and wallets use it to settle stablecoin payments and earn yield on Bitcoin and stablecoin balances without managing the underlying infrastructure. (Payments Infrastructure & Orchestration, In Development)
- [Utexo API](https://thegrid.id/profiles/utexo): Utexo API is a payments infrastructure product that lets payment operators move USD-pegged stablecoins instantly and privately across Bitcoin and other blockchains through a single integration. It provides settlement, cross-chain swap, and bridge functions built on Bitcoin, the Lightning Network, and RGB asset issuance, giving predictable, configurable fees instead of variable network gas costs. Payment service providers, exchanges, custodians, and wallets use it to settle high volumes of stablecoin payments off-chain with sub-second finality while keeping transaction details private. It also routes stablecoins from multiple blockchains into Bitcoin-native settlement rails through an integrated bridge and swap mechanism. (Live)
- [Utexo Mint](https://thegrid.id/profiles/utexo): Utexo Mint is a cross-chain bridge that moves a dollar-pegged stablecoin between EVM-based networks and the Bitcoin RGB layer. It routes stablecoin transfers through a single EVM settlement hub, converting incoming tokens before locking them and minting an equivalent representation on Bitcoin that can be transferred or exchanged without centralized exchanges or custodial intermediaries. The service is used by wallets, exchanges, and payment operators that need to bring stablecoin liquidity onto Bitcoin-native rails. (Live)

## Assets

- [USDT on Bitcoin (USDT)](https://thegrid.id/profiles/utexo): USDT on Bitcoin is a bridged representation of Tether USDT issued through the Utexo Mint service on the Bitcoin RGB layer. It is used for private, instant stablecoin settlement, cross-exchange transfers, and Lightning-based payments, letting holders move stablecoin value without relying on a smart contract platform. The token is created when USDT arriving from Ethereum, Tron, or Solana is converted to USDT0 on Arbitrum, then locked and minted as an RGB asset on Bitcoin with client-side validation. (Bridged Tokens)

## Links

- [Main](https://utexo.com)
- [Documentation](https://docs.utexo.com)
- [Media Kit/branding](https://utexo.com/brand-kit)
- [Twitter / X](https://x.com/utexocom)
- [Discord](https://discord.gg/utexo)
- [LinkedIn](https://www.linkedin.com/company/utexo)

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