Business Applications

Payment Service Providers

Utexo allows crypto payment service providers to offer instant, low-cost USDT payments with Bitcoin-level security, without relying on smart contracts, wrapped assets, or alternative Layer-1 blockchains.

By abstracting Lightning channel operations, liquidity management, routing, and RGB asset state into a single SDK and API, Utexo enables PSPs to integrate Bitcoin-native USDT payments without running nodes, managing liquidity, or handling protocol complexity.

Benefits for PSPs:

• A Bitcoin-native USDT payment rail

• Lower operational and infrastructure costs with predictable fees

• Reduced smart contract and chain risk

• A future-proof settlement layer aligned with global payments

How Utexo Helps PSPs

• Instant USDT Checkout & Merchant Payments: real-time USDT checkout and merchant payments with Lightning-level speed, near-zero fees, and Bitcoin-grade settlement security.

• Global Stablecoin Settlement on Bitcoin: consolidate USDT settlement onto Bitcoin, reducing reliance on smart contracts, wrapped assets, and alternative L1 blockchains.

• Cross-Border & B2B Payments: instant, low-cost international USDT transfers for merchants and businesses.

• PSP-to-PSP & Internal Settlement: fast, atomic settlement between PSPs, acquirers, and internal entities with simplified reconciliation.

• On/Off-Ramp & Chain Consolidation: convert USDT from other chains into native Bitcoin USDT via trust-minimized swaps.

• Micropayments & High-Frequency Payouts: support gaming, creator payouts, payroll, and marketplaces with Lightning-enabled USDT micropayments.

Exchanges

Utexo enables exchanges to add Bitcoin as a first-class USDT settlement network today, without waiting for mass retail Lightning adoption. By abstracting Lightning and RGB into a single, production-ready API, Utexo allows exchanges to move and settle USDT instantly on Bitcoin with predictable, near-zero fees—while avoiding smart-contract risk, bridge custody exposure, and volatile on-chain costs.

How Utexo Helps Exchanges

• Native USDT Deposits & Withdrawals on Bitcoin: enable USDT issued natively on Bitcoin, offering a trustless alternative to wrapped assets.

• Instant, Low-Cost BTC & USDT Withdrawals: process withdrawals over Lightning with near-zero fees and real-time settlement.

• Faster Internal Settlement & Capital Efficiency: use Lightning as an internal settlement layer for just-in-time liquidity.

• Higher-Velocity BTC/USDT Trading: support native BTC/USDT trading with fast settlement.

• Incremental Stablecoin Volume & Fees: capture additional USDT flow by routing stablecoin activity through Bitcoin-native rails.

• Reduced Infrastructure & Operational Complexity: integrate Lightning and RGB via a single SDK/API without running nodes.

Enterprise Non-Custodial Wallets

Utexo enables enterprise non-custodial wallets to support Bitcoin-native USDT payments and settlement without compromising user self-custody or requiring users to manage Lightning channels, liquidity, or RGB state.

How Utexo Helps Enterprise Wallets

• Native USDT on Bitcoin: hold and transfer USDT issued natively on Bitcoin via RGB.

• Instant, Low-Fee BTC & USDT Transfers: real-time payments over Lightning with predictable fees.

• Fully Non-Custodial Execution: users retain full control of private keys; Utexo provides execution and settlement infrastructure only.

• Privacy-Preserving Payments: RGB reduces transaction graph analysis and balance visibility.

• Cross-Border Payments & Remittances: fast global BTC and USDT transfers without correspondent banks.

• Reduced Infrastructure & Integration Complexity: integrate via a single SDK/API without running Bitcoin nodes.

Regulated Custodians

Utexo enables regulated custodians to support Bitcoin-native USDT custody and settlement within existing institutional custody frameworks—without introducing smart-contract risk, bridge custody exposure, or operational complexity.

How Utexo Helps Regulated Custodians

• Native USDT Custody on Bitcoin: support custody of USDT issued natively on Bitcoin via RGB.

• Instant, Institutional-Grade Settlement: real-time BTC and USDT transfers over Lightning with predictable fees.

• Expanded Institutional Client Services: offer Bitcoin-native USDT custody and off-exchange settlement rails.

• USDT & BTC Yield on Lightning: enable yield generation on balances via Lightning- and RGB-based mechanisms, subject to regulatory approval.

• Privacy-Preserving Transfers with Auditability: confidential transfers while remaining compatible with audit and compliance needs.

• Reduced Operational & Infrastructure Complexity: rely on Utexo for liquidity, routing, and failure recovery.

Retail Wallets

Utexo enables retail wallets to support Bitcoin-native USDT payments and settlement for everyday users—without requiring wallets or users to manage Lightning channels, liquidity, or RGB state. Wallets can integrate directly via Utexo’s SDK/API or through Tether’s Wallet Development Kit (WDK), depending on their architecture and time-to-market requirements.

How Utexo Helps Retail Wallets

• Flexible Integration: SDK or Tether WDK for different integration needs.

• Native USDT on Bitcoin: hold and transfer USDT issued natively on Bitcoin via RGB.

• Instant, Low-Fee Everyday Payments: real-time BTC and USDT payments over Lightning for everyday use cases.

• Native BTC/USDT Swaps & AMM: in-wallet BTC↔USDT swaps via Bitcoin-native AMM liquidity.

• Non-Custodial Monetization of Payment Flows: wallets can monetize payments while users retain control of private keys.

• Privacy-Preserving Consumer Payments: RGB prevents public exposure of balances and transaction histories.

• USDT & BTC Yield on Lightning: optional user-facing yield features via Lightning- and RGB-based mechanisms.

• Reduced Integration & Infrastructure Complexity: avoid running Bitcoin nodes, managing channels, or maintaining RGB infrastructure.