Utorg alternative for cash-outs outside its currency list
Utorg's widget lists no Kenyan shilling. For wallets whose users cash out stablecoins to bank or mobile money in such currencies, Unigox is a Utorg alternative. Keep Utorg for card purchases and Visa cards.
When to stay with Utorg
Your users pay by card, Blik or PIX
Utorg's embedded ramp takes cards, Apple Pay, Google Pay, Open Banking, PIX in Brazil, Blik and MB Way. A Unigox widget user buys by paying a P2P merchant or payment business by a local method such as a bank transfer or mobile money.
You want wallets, cards and a ramp under your brand
Utorg's ramp and its embedded MPC wallets take your colours and show no Utorg branding. Utorg also issues Visa cards with Wirex that spend USDC and settles USDC payouts to suppliers. The Unigox widget only buys and sells USDT and USDC, in light or dark styling, and users trade from their own Unigox account and Unigox Wallet.
Your users buy bitcoin, ether or SOL
Beside USDC, the coin list Utorg's widget loads has BTC, ETH, POL, SOL and TRX, and its ramp page counts 30+ coins across 14 blockchains. Unigox users can buy and sell only USDT and USDC.
Utorg's ramp compared with the Unigox Crypto widget
| Topic | Utorg | Unigox |
|---|---|---|
| How it fits your app | A white-label widget or API that keeps payment, KYC and the trade inside your app, with no Utorg branding. You pass KYB and sign a contract first; Utorg says most teams reach a sandbox within 24 hours of signing. | One embed code and a widget key, with no server work. You pick light or dark styling and English or Spanish, not your own colours, and users open a Unigox account inside it. Unigox checks their identity and matches each trade with a seller or buyer. |
| How users pay | Cards, Apple Pay and Google Pay, bank transfers and local methods such as PIX, Open Banking, Blik and MB Way. | A local method the seller accepts, such as a bank transfer or mobile money, paid to the P2P merchant or payment business selling the USDT or USDC. Which methods appear depends on the user's country and current offers. |
| Local currencies | The widget lists currencies such as the dirham, the real, the Mexican peso and the rand, but no Kenyan, Ugandan or Tanzanian shilling, Ghanaian cedi, CFA franc, Pakistani or Sri Lankan rupee, or Sierra Leonean leone. | Local currencies with live offers on Unigox, paid into the user's bank or mobile money account by the P2P merchant or payment business that buys the stablecoins. |
| What users pay | Not published. Utorg's ramp page and business home page ask businesses to contact sales. | A single rate with the Unigox fee built in, shown before the user confirms. |
| What you earn | Not published. No partner revenue share or markup appears on Utorg's business pages. | 20% of the Unigox fee on completed buy and sell trades through your widget, plus a sell markup that you set, credited in crypto to your partner wallet when the sell completes. |
| Regulation | Utorg says Chain Valley Sp. z o.o., entered in Poland's register of virtual currency businesses, conducts its VASP activity. It says a MiCA licence lets it operate in 29 EEA countries, and its card partners include Wirex Limited, authorised by the UK FCA. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxAdd local cash-outs to a Utorg integration in three steps
List the currencies Utorg misses
On a call, name the currencies your users ask for that Utorg's widget does not list, and whether they cash out to a bank or to mobile money.
Keep your Utorg contract as it is
Unigox adds a separate partner account and widget key. Your sell markup is set in the Unigox partner dashboard.
Route each user to the right widget
Card buyers and the currencies Utorg lists stay on its ramp. Users selling for a currency outside that list open the Unigox widget, verify, and sell from their Unigox Wallet.
Utorg and Unigox questions
What does Utorg sell to businesses?
Four products: an on-ramp and off-ramp that runs inside the partner's app, embedded MPC wallets, Visa cards that spend stablecoins, and USDC settlements for paying contractors and suppliers. UTORG LABS HOLDING LTD in Abu Dhabi owns the site, and integration starts with KYB and a signed contract.
What does Utorg charge a partner?
Utorg publishes no ramp price; its pages ask businesses to contact sales. For settlements it quotes a flat €0.02 to €0.20 per transaction, with volume tiers. In the Unigox widget the fee is part of the rate the user accepts, and the partner earns 20% of the Unigox fee plus its own sell markup.
Which Utorg competitor pays out where its widget cannot?
The Unigox Crypto widget, when your users hold USDT or USDC and want local money in a bank or mobile money account, in a currency with live offers on Unigox. Each sale is matched with a P2P merchant or payment business, which pays the user. Utorg's widget lists no Kenyan, Ugandan or Tanzanian shilling, Ghanaian cedi or CFA franc.
See the Crypto widgetDo users who passed Utorg's KYC verify again on Unigox?
Yes. Unigox runs its own identity check before a user's first trade, at any amount, whatever checks the user passed in Utorg's widget. Users then sell from their Unigox Wallet, so they first send their USDT or USDC there.
Cover currencies that the Utorg widget lacks
Book a call to get a widget key and set your sell markup. Utorg stays in place for card buyers and the currencies it already lists.
Utorg and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.