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Utoppia, Inc. (“Utoppia”), a corporation incorporated under the laws of the State of Delaware, is a financial technology company, not a bank, nor is it a broker-dealer, investment adviser, money transmitter, exchange, custodian, or any other type of financial institution. Utoppia is not licensed, registered, or authorized by any governmental or regulatory authority in any jurisdiction to provide banking, financial, securities, investment, payment, or any other regulated services. Utoppia does not hold, manage, or transmit customer funds directly. All financial or regulated services accessible through the platform app are provided exclusively by third-party service providers, each of which is independently licensed and regulated in accordance with applicable law.

Nothing on this platform constitutes financial, legal, or tax advice. Users should consult qualified professionals before making any financial decisions.

‍Banking Services. Banking services and fiat virtual accounts are provided by Lead Financial Group, Inc. (“Lead Bank”), Member FDIC, through System Pay Services US, Inc. (“BVNK”). Deposits at Lead Bank may be eligible for FDIC insurance up to applicable limits; certain conditions apply for pass-through coverage. View  BVNK’s disclosures.

‍Digital Asset & Stablecoin Services. Digital asset, cryptoasset, stablecoin payouts and auto-conversion services are provided by BVNK. ONED stablecoin smart contract infrastructure is deployed, maintained, and operated by Coinbase, Inc. (“Coinbase”). Coinbase is solely responsible for the minting and redemption of ONED, the custody and management of all reserves backing ONED, and the operation of the platforms on which ONED may be transacted. Neither Utoppia nor any of its affiliates perform any regulated activity in connection with the issuance, custody, minting, redemption, or reserve management of ONED. View ONED Platform.‍

‍Non-Deposit Services. Any services relating to cryptoassets, digital assets, stablecoins, investment accounts, bill payments, prepaid cards, loyalty and/or rewards programs (collectively, “Non-Deposit Services”) are NOT provided by Lead Bank. Non-Deposit Services are not bank deposits, are not FDIC insured, are not insured by any federal government agency, are not bank guaranteed, and may lose value, including all of your investment. ONED, USDC, and any other digital asset are not insured by the FDIC, SIPC, or any other governmental deposit insurance or investor protection scheme. 

‍Card Services. The Utoppia Visa® prepaid card is issued by Payblr, Inc. (“Payblr”) pursuant to a license from Visa U.S.A. Inc. Card is distributed and serviced by Utoppia. View Payblr's disclosure.

‍Bill Payment Services. Bill payment services are provided by AUNTAPI LLC (“Auntapi”). View Auntapi's disclosure.

‍Investment Services. Investment services are provided by W2B, Inc. (“Wealth2B”), an investment adviser registered with the United States Securities and Exchange Commission (CRD# 331220). Wealth2B is not a bank and is not affiliated with Utoppia. Brokerage and custody services are provided by Alpaca Securities LLC (“Alpaca”), member FINRA/SIPC, a wholly-owned subsidiary of AlpacaDB, Inc. Utoppia is not an investment adviser and acts solely as a technology intermediary facilitating access to Wealth2B's services through the Utoppia app. Registration does not imply a certain level of skill or training. Investing involves risk and investments may lose value, including the loss of principal. Past performance does not guarantee future results. View Alpaca - Disclosures and Agreements and W2B's Disclosures.

‍Utoppia Plus Plan. The Utoppia Plus Plan is a subscription product offered directly by Utoppia Inc. The Plus Plan provides access to certain premium features, including up to two (2) free Same Day ACH transactions per month and facilitated access to investment services through Wealth2B. The Plus Plan itself is not a financial product and does not constitute a deposit account, investment account, or any regulated financial instrument. Access to investment or payment services through the Plus Plan remains subject to the terms and conditions of the applicable third-party service providers.

For the legal framework governing your use of the Utoppia platform, please review our Terms of Service, Terms & Conditions Framework, and Privacy Policy.