Business has gone global. Money hasn't.
A company sells into dozens of countries, yet its money lives in pieces: scattered across separate tools for collection, payouts, and FX; slow, crawling through old wire rails; messy, with finance reconciling past midnight.
And now stablecoins add another gap — received easily, but hard to actually spend. The bigger a business grows, the harder money is to move, control, and reconcile, while most run on rails built for one country, one currency, and banking hours.
Closing that gap doesn't take another tool. It takes a stack built for what's next. That's UQPay V3.0.
UQPay V3.0 brings global payment, global accounts, transfer, FX, card issuing, and reconciliation onto one platform, powering the things every global business runs on:
Global Accounts. Collect and transfer across 200+ countries, open local accounts on demand, and hold each currency as-is.Global FX. Convert major currencies 7×24, including weekends and holidays. Powered by UQPAY FX OptiRoute, delivering competitive rates through intelligent liquidity aggregation and optimized execution, with rates available anytime.Global Payment. Take card and local payments via checkout, API, POS, or QR, online or in-store, on direct card-network rails.Cards Issuing. Issue virtual and physical cards for ads, procurement, and travel, with limits set per team or project.
Money flows in, holds, converts, and flows out — all in one place where it once took a dozen providers.
Going Further: Fiat and Stablecoins, Free-Flowing What truly sets UQPay apart is connecting two worlds that never quite met: fiat and stablecoins. Many businesses hit a wall after receiving stablecoins, since spending them means a detour through unfamiliar systems. UQPay lets both flow within one account:
Collect stablecoins. USDC, USDT, XUSD and other regulated stablecoins arrive directly in the account, held as received, screened at entry with Travel Rule reporting built in.Convert on demand. Swap between stablecoins and fiat 7×24, straight into the multi-currency account.Move across chains. Circle CCTP and Chainlink CCIP integrated, no exchange in between.Pay in stablecoins. Send to allowlisted addresses under approval controls. With Circle CPN, payments can also land in bank accounts (Stablecoin Pay to Account, SPTA).Accept stablecoins at checkout. Customers pay in stablecoins; the business settles in fiat, no tokens to hold.Spend stablecoins by card. Put stablecoin balances on a card, no conversion first, for ads, procurement, and subscriptions worldwide.All of it runs on UQPay's in-house MPC wallet architecture, with key shares distributed, never held by one party.
Collected, converted, and paid out. Where banking rails are slow or absent, stablecoins take the business where banks cannot. The stability of fiat, the speed of stablecoins — both connected in one account.
Stablecoin capabilities depend on customer review, product conditions, and the regulatory requirements of the applicable region.
Borderless payments. Boundless opportunity.
Core Upgrades, at a Glance
Why Trust UQPay Licensed. Licensed across Singapore, Hong Kong, the US, and Australia; connected to Visa, Mastercard, and other card networks.Accountable. Collection, FX, payouts, and issuing — owned by UQPay end to end.Built for global. Closes the gaps cross-border businesses hit: multi-country flows, batch payouts, reconciliation, multi-entity control.Ahead. Routes across global clearing partners and, with MCP support, plugs into AI agent workflows. From stablecoins to the agent era, the next chapter is covered.Who It's For
Grow Without Borders When money flows, a business reaches further; when it's stuck, even a great one stalls. UQPay V3.0 turns money management from a burden into fuel for growth, so a company can get back to what matters: the business.
Borderless payments. Boundless opportunity.
UQPay V3.0 is now live.
Book a Demo ｜ Learn More ｜ Contact Sales
