# Utorg > Crypto infrastructure for the global stablecoin economy Utorg is a crypto payments infrastructure provider offering embedded fiat to crypto on ramps, wallet infrastructure, and stablecoin settlement. It serves businesses building crypto products as well as individual users through a consumer app and card. Utorg is a crypto payments infrastructure company that provides embedded on and off ramps, wallet infrastructure, and stablecoin settlement rails for businesses, alongside a consumer app and card for individuals. It serves platforms that want to let their users buy, hold, and spend digital assets, as well as people seeking a self-custody wallet and spending card. The company positions its services around regulatory compliance, handling licensing and identity verification so partner platforms can focus on their own products. On the infrastructure side, it bridges traditional payment rails and digital assets at scale through an API and white-label widget that gives end users access to multiple local payment methods, plus wallet rails for embedding stablecoin custody and transfers into third-party applications. For businesses, it also offers stablecoin-based cross-border settlement as an alternative to traditional bank transfer networks. Its scope spans embedded ramps, wallet infrastructure, stablecoin settlement, and white-label crypto cards for businesses, alongside the Utorg app and a non-custodial Utorg Cryptocard for consumers. It is used by Web3 platforms, gaming and payroll businesses, and individual crypto holders across many supported countries. One of its regulated entities has temporarily paused certain crypto-asset services while completing a compliance-driven transition to updated European licensing requirements, with plans to resume once authorized. - Type: Company - Sector: Payments - Status: Active - Founded: 2018-11-01 - Profile: https://thegrid.id/profiles/utorg ## Products - [UTORG On-Ramp](https://thegrid.id/profiles/utorg): UTORG On-Ramp is a fiat-to-crypto purchase service for consumers and a merchant integration for Web3 apps. It supports card and local payment methods with built-in KYC/AML and fraud protection, while businesses embed a widget or API and rely on UTORG for compliance, verification, and user support. The service also offers embedded on/off-ramp infrastructure that lets partner platforms give their own users access to multiple local payment methods for fiat-to-crypto onboarding. (On/Off Ramp, Live, Main Product) - [Utorg App](https://thegrid.id/profiles/utorg): Utorg App is a self-custody crypto wallet and payment hub for consumers. It lets users store crypto assets, buy crypto through an integrated purchase flow, and swap between tokens directly within the application. The app also serves as the access point for obtaining a non-custodial Visa card that converts crypto balances to fiat at the point of sale, letting holders spend at physical terminals, online stores, and through mobile pay wallets, with the card currently available to users in EEA countries. The app is available on Android with an iOS release pending. (Wallet, Live) ## Links - [Main](https://utorg.pro) - [Blog](https://utorg.pro/blogs) - [Privacy policy](https://utorg.pro/privacy-policy) - [Terms of Service](https://utorg.com/terms-of-use) - [Twitter / X](https://x.com/utorgcom) - [Facebook](https://www.facebook.com/utorg.pro) - [LinkedIn](https://www.linkedin.com/company/utorg) - [Instagram](https://www.instagram.com/utorgapp) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. 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