# UTKN — Crypto, gold and banking

> Crypto, gold and banking (iPhone/iPad app by Vault Fintech Solutions s.r.o..)

- Source: https://appshunter.io/ios/app/utkn/id6759292250 (this page in markdown: same URL + `.md`)
- Developer: [Vault Fintech Solutions s.r.o.](https://appshunter.io/developer/1807079620)
- Category: Finance
- Price: Free
- Age rating: 17+
- Requires: iOS 15.0 · 62 MB
- Languages: American English
- Released: 2026-07-31
- Data updated: 2026-08-07
- User reviews in markdown: https://appshunter.io/ios/app/utkn/id6759292250/reviews.md

## What is UTKN?

"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."


## Version history (last 2 releases)

### 35.1 — 2026-07-31

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.

### 35.0.1 — 2026-07-27

No release notes.

## More apps by Vault Fintech Solutions s.r.o.

- [Vault.app](https://appshunter.io/ios/app/vaultapp/id6448460849)
- [Vau.app](https://appshunter.io/ios/app/vauapp/id6749163184)

All apps by Vault Fintech Solutions s.r.o.: https://appshunter.io/developer/1807079620

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-07.*