Utorg is a regulated fiat‑to‑crypto exchange that lets individuals buy Bitcoin instantly using Visa or MasterCard credit, debit, virtual or prepaid cards, with transparent “you receive” pricing and no hidden fees. The platform offers high transaction limits (up to €5,000 per purchase and €15,000 per month), AI‑accelerated KYC that completes in minutes, and PCI DSS Level 2 security to ensure fast, secure, and compliant purchases delivered directly to the user’s wallet.
Funding
$5M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
2ODHFFounders
Product
Problem
Purchasing Bitcoin with traditional exchanges often requires complex onboarding, hidden fees, and limited payment options, making it difficult for everyday users to acquire crypto quickly and securely.
Solution
Utorg provides a regulated, fiat‑to‑crypto exchange platform that lets users buy Bitcoin instantly with Visa or MasterCard credit, debit, virtual or prepaid cards. The service offers transparent pricing with no hidden fees, high transaction limits (up to €5,000 per purchase and €15,000 per month), and a streamlined KYC process powered by AI that completes verification in a few minutes. Security is reinforced through PCI DSS Level 2 certification, 3‑D Secure authentication, and AI‑driven fraud detection. After payment, Bitcoin is transferred directly to the user’s wallet address, and order status is displayed in a personal dashboard. The platform supports multiple currencies and alternative payment methods where available, extending access to users in roughly 175 countries.
Target Audience
Primary customers are individual cryptocurrency buyers and retail investors who want a fast, secure way to purchase Bitcoin with a bank card, as well as fintech services that need a licensed fiat‑to‑crypto gateway.
Features
- Direct card payments (Visa, MasterCard) including debit, virtual and prepaid cards, with support for alternative methods such as Skrill, Neteller, and Apple Pay
- Transparent “you receive” pricing model with no hidden commissions or conversion fees
- High transaction limits: up to €5,000 per transaction and €15,000 per 31‑day period, configurable by verification level
- AI‑accelerated KYC/AML verification that typically completes in under 5 minutes
- PCI DSS Level 2 compliance and 3‑D Secure 2.0 authentication for card data protection
- Continuous AI‑based fraud monitoring and zero‑tolerance anti‑fraud safeguards
- Real‑time order tracking and automatic blockchain transaction linking in the user dashboard