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UTKN

Vault Fintech Solutions s.r.o.

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About this app

"Open account instantly. Start trading crypto and digital gold in minutes. UTKN — Your Digital Crypto Bank with Gold Welcome to UTKN, the next-generation financial platform that bridges digital assets, tokenized gold, and traditional banking in one secure app. Built on institutional-grade Universa Blockchain technology, UTKN gives you full control over your finances — from crypto and gold to everyday payments. KEY FEATURES: ◆ Digital Gold & Real-World Assets (RWA) Invest in tokenized gold and other real-world assets backed by physical reserves. Transparent Proof-of-Reserve mechanisms ensure that every digital token is anchored to tangible value. Fractional ownership makes gold accessible to everyone. ◆ UTKN VISA® Platinum Card Spend your crypto and digital assets anywhere VISA is accepted. The UTKN VISA® Platinum card seamlessly connects your digital wallet to the real world. Compatible with Apple Pay and Google Pay for contactless payments. ◆ Crypto Exchange & Trading Buy, sell, and exchange major cryptocurrencies with competitive rates. On-ramp and off-ramp between fiat (USD, EUR) and crypto seamlessly. Multi-currency support with real-time market data. ◆ Secure Banking Services Open a digital account in minutes with full KYC verification. Send and receive money globally with low fees. Manage your portfolio from a single dashboard with real-time analytics. ◆ Universa Blockchain Technology Powered by Universa Blockchain with up to 30,000 transactions per second. AI-powered smart contracts for maximum efficiency and security. Institutional-grade infrastructure trusted by partners worldwide. SECURITY & COMPLIANCE: Advanced encryption and multi-factor authentication protect your assets. Regulatory-aligned platform operating across LATAM, EMEA, and SEA regions. Your keys, your assets — full custody control with enterprise-grade security. GLOBAL REACH: Operate across borders with multi-currency support. Optimized for users in Latin America, Europe, Middle East, Africa, and Southeast Asia. Available in English with more languages coming soon. Whether you're a crypto enthusiast, a gold investor, or someone looking for a modern alternative to traditional banking, UTKN brings everything together in one powerful app. Download UTKN today and step into the future of digital finance. UTKN is a product of United Heritage Ltd. VISA® is a registered trademark of Visa Inc."

What's new

Version 35.1 · Jul 31, 2026

Upcoming Release & Release Notes Here is a breakdown of what is included in this release: What’s New in This Build: • KYC Resubmission Flow for Card Applications Users whose second KYC verification fails during card application will now receive an in-app notification prompting them to complete the outstanding step. The user is taken directly to the exact stage that requires attention (document upload or selfie)—removing guesswork and reducing drop-off. • Secure Card Details View (CP2) Sensitive card data is now displayed within a hardened, secure iframe. This strengthens data protection for cardholders and aligns the experience with the highest security standards expected by our card issuing partners. • Enhanced Transaction History We’ve improved transaction history with clearer status indicators and expanded fallback handling for pending and failed transactions. Users now get detailed information on why a transaction didn’t go through, improving transparency and reducing support tickets. • SSN Collection for US Cardholders (CP2) In line with our card issuer’s compliance requirements, US-based users will now be asked to provide their SSN during the card application process to ensure full regulatory alignment and uninterrupted card issuance. • Interface & UX Refinements We’ve polished card rows and key screens across the app for a cleaner, more consistent, and premium feel.

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