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Money without borders. Live without limits.

The Financial App in the USA for remote workers, creators, and global people.

USD accounts, Stablecoins, Cards, Investments and more.
‍

Open your account

Built on top of 3 disruptive trends that
are transforming the world.

Remote Work
New lifestyle
Stablecoins
‍New money
AI
‍New interface

Utoppia is

For people like you

Remote workers, freelancers, creators, solopreneurs, expats, travelers, digital nomads and founders.
For anyone who thinks globally and is tired of outdated banks and borders.

Global First

From the USA to 19 countries worldwide you can access:
  • Dollar-based stability
  • Low-cost global transactions
  • Protection from currency volatility
  • Banking that matches your ambition
Available in: Australia, Argentina, Brazil, Chile, Colombia, Dominican Republic, Ecuador, France, India, Italy, Mexico, New Zealand, Paraguay, Peru, Portugal, Spain, United Kingdom of Great Britain, United States and Northern Ireland, Uruguay.

Secure and Transparent

Access the USA banking system, the most secure in the world. Hold your money in USD, the strongest currency. Full data privacy controls and world-class security standards.
Your money, your information, you stay in control.

One Single Powerful Platform.

Designed for all everyday needs of global and borderless lives

Open your account
Open your own USD account from anywhere.
Use it with your AI or our mobile app.
Chat, tap or swipe.
‍

Get an international physical and virtual card.

Spend online or in-person, in 180+ countries.
The fast, safe and easy way to pay.

Your own USD bank account

A real account, registered under your name. Get paid directly, no pooled wallets, no intermediaries. Just your money, in your name.

Pay your bills

Pay locally at a competitive exchange rate.

Get started with Utoppia Plus


Unlock your investment account and grow your USD balance with competitive returns right from the app.

Send crypto at the best rates

Use stablecoins to send your money wherever you want in seconds.

Global, free and instant transfers

Forget about annoying remittances. Tell your friends to join Utoppia so you can send them USD in one tap, zero fees. Share your referral code so both can get cash rewards.

Pay your bills

Pay local services in your country of residence at a competitive exchange rate.

Get started with Utoppia Plus


Unlock your investment account and grow your USD balance with competitive returns right from the app.

Simple, borderless, and ready in 3 steps:

1

Sign up

Create your account in minutes, no branch, no paperwork, only providing your personal information.
2

Verify your identity

Secure onboarding in all supported countries, only with your local passport.
3

Start using Utoppia

Get paid, save in dollars, send and receive, invest and spend globally.

Building fintech for the AI era.

At Utoppia we see a near future in which AI agents will be intelligently solving most of our daily needs: the Agentic Economy.
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So we are developing agnostic solutions to give financial superpowers to all AI tools you already use for other things in life.
Be first in line

Supported by leading investors.

Utoppia is backed by experienced investors in the tech industry.
Liquid2 Ventures

“We’re huge believers in the vision of a truly global Neobank, that combines the stability of US banks with local access.”

Joe Montana

Managing partner, Liquid2 Ventures
Hall of Fame
Investor of
XYZ VC

“I'm truly excited about Utoppia's mission of helping everyone get the life-changing opportunity of living and working as if the world had no borders.”

Ross Fubini

Founder and managing partner at XYZ
Advisor of
Member of
Address
2525 Ponce De Leon Blvd, Suite 300
Coral Gables, FL 33134, USA.
Founded in the USA. Reaching the whole world.
Contact
+1 (650) 495-2468
(*)Utoppia is a financial technology company, not a bank. Banking services are provided by Regent Bank, Member FDIC. FDIC insurance only covers failure of insured depository institutions. Certain conditions must be satisfied for pass-through FDIC deposit insurance to apply.
Card issued by Payblr, Inc. pursuant to a license from Visa. Card is distributed and serviced by Utoppia.
The bill payments service is provided by AUNTAPI LLC.
Utoppia is only an intermediary of W2B, Inc. (“Wealth2B”), a corporation organized under the laws of the State of Delaware, whereby Wealth2B offers the Wealth2B investment services (as such term is defined in Utoppia’s Plus Terms of Services found at www.utoppia.com and Utoppia integrates such services into the Mobile App.
The investment services are offered through Wealth2B, an investment adviser registered with the United States Securities and Exchange Commission (CRD# 331220). Registration does not imply a certain level of skill or training. Wealth2B is not a bank and is not affiliated with Utoppia Inc.
The investment services provided by Wealth2B may deposit funds in one or more interest-bearing deposit accounts through DriveWealth, LLC (SEC reg. no. 8-69161). For details on Terms of Service and the Bank Sweep program, visit DriveWealth disclosures. Additional information regarding Wealth2B, including risk disclosures, SIPC coverage, and other terms, can be found in Wealth2B’s Terms of Service.
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