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Why Choose UPB?

"UPB" stands for Universal Payment Bank, a visionary financial institution registered in the British Virgin Islands (BVI) with a mission to revolutionize the landscape of global banking. UPB's bank aims for robust security infrastructure and seamless cross-border transactions, providing services to individuals and businesses worldwide.

Designed for the digital era and placing a premium on digitization, UPB is more than a conventional bank. Presents unique blockchain services that focus on low transaction fees, high throughput, dual private key, and security to improve accessibility and stability in the financial system.

Unparalleled Potential

Providing distinct benefits and substantial returns, our platform aims to challenge conventional banking.

Early Adopter Benefits

Take advantage of special benefits and optimize your investment potential by securing your position instantly.

Innovative Technology

Use cutting-edge blockchain technology to take part in a secure, transparent, and efficient financial ecosystem.

Community Driven

Take part in shaping the future of decentralized finance by becoming a part of a vibrant community of like-minded people.

Token Offering Framework

Seize the opportunity to invest in our groundbreaking token sale, offering unparalleled potential in the decentralized finance space. Act now to become an early adopter and drive the future of digital innovation.

cryptocurrency services
secure crypto exchange
Road Map

Explore our trajectory from launching ICO in 2024, culminating in the establishment of a comprehensive crypto bank by 2026. Be the part of our mission to transform banking through innovative, secure, and decentralized financial solutions.

Q3 2023
  • Conceptualization
  • Market Analysis
  • Feasibility Study
Q4 2023
  • Concept Development
  • Team Formation
Q1 2024
  • Regulatory Compliance
  • Legal Framework
  • Technology Stack Finlization
  • Whitepaper Development
Q2 2024
  • Platform Development
  • Token Development & Allocation
  • Beta Testing
  • Website and Social Media presence
  • Community Engagement
  • Pre-ICO Marketing and Community Building
Q3 2024
  • ICO Launch
  • Private sales - Initial Phase
  • Payment Partners Onboarding Initiation
Q4 2024
  • Private sales - Mid Term Phase
  • Payment Partners Onboarding Processing
  • Parallel Development & Security Testing
Q1 2025
  • Private sales- Last Phase
  • ICO End
  • Token listing - Exchange
  • Crypto Payment Cards
  • Crypto Exchange Launching
Q2 2025
  • Proprietary Blockchain Delivery
  • Payment solution services and utilities
  • Payment Gateway Solution - Online
Q3 2025
  • Crypto UPI - QR Based
  • Crypto Banking Services
  • Crypto Debit cards
Q4 2025
  • UPB Expansion
  • Lending Services

Future Releases

Proprietary Blockchain

Developing a state-of-the-art blockchain technology that is decentralized and tailored for banking, finance, and payment applications, we are set to deliver high transaction...

proprietary blockchain
Multi Currency Exchange

Introducing the Multi-Currency Exchange, our latest innovation in the world of digital banking, with great excitement. This platform is a significant improvement in terms of accessibility...

multi currency exchange
Universal Payment Interface

Announcing our latest innovation: the Crypto-Based Universal Payment Interface. This crypto trading platform will revolutionize the way we use crypto services for transactions. Our user interface offers a comprehensive...

universal payment interface
Crypto Bank

Launching of our cutting-edge Crypto Bank, a pioneering financial institution poised to redefine the way individuals and businesses interact with digital assets which built on the principles of innovation...

crypto bank
Key Offerings
Integrated Ecosystem

Offering a seamless and integrated environment with proprietary blockchain software, a cryptocurrency exchange, a universal payment interface, and a crypto bank. With this integrated approach, you can get all the cryptocurrency services required, such as trading, payments, banking, and financial services.

End-to-End Solutions

Providing businesses and individuals looking to work with cryptocurrencies with comprehensive solutions. If you want to trade digital assets, send and receive money, or manage your accounts, our project offers all the tools and services you need to meet your needs.

Seamless Integration

Enabling frictionless user transitions between the proprietary blockchain technology, cryptocurrency exchange, universal payment interface, and crypto bank by offering seamless integration across all ecosystem components.

Security and Trust

Setting strong security protocols in every part of the ecosystem to prioritize security and trust. This covers the use of multi-factor authentication, advanced encryption, cold storage options, and regulatory compliance. By putting security first, we encourage user adoption and growth by establishing your confidence and trust.


User-Centric Design

Creating user-friendly interfaces and placing a strong emphasis on the user experience across the board. To find the process simple, easy to understand, and user-friendly whether you are exchanging on the crypto exchange, paying through the interface, or managing their accounts in the cryptocurrency bank.

Global Accessibility

Giving services to users all over the world that support a variety of languages, currencies, and geographical areas to reach a wide audience and meet their various needs. This ensures global accessibility.

Innovation and Scalability

Dedicated to continuous innovation and scalability to stay ahead of the curve and adapt to evolving customer demands and market trends. Accelerated growth and a competitive advantage in the market can be achieved through frequent updates, new features, and collaborations with other initiatives or groups.

Educational Resources

Offering thorough instructional materials, guides, and customer service to adequately provide you with the information and instruments needed to competently navigate the crypto trading platform and make wise judgments.

Meet Our Team
  • Born in

    2023

  • Founders

    2

  • Total Team

    16


Ralph Edwards

MD & CEO

Reza Ul Karim

Executive Director & Group CFO

Tony Wings

Chief Product Officer

Esther Howard

Chief Design Officer

Jenny Wilson

CRO - Lending & Payments

Robert Fox

Chief Technology Officer

Devon Lane

Chief Marketing Officer

team
Cryptocurrency Economist
singaporeRachel Lim
Skills:
Macroeconomic analysis financial modeling
Experience:
Expertise in designing stablecoin mechanisms and economic incentives
Qualification:
MBA in Finance
Certifications:
Certified Cryptocurrency Expert (CCE) Certified Bitcoin Professional (CBP)
Achievements:
Expertise in designing token economics models for stablecoins
Frontend Developer
china Wei Chen
Skills:
React.js Vue.js Responsive Design
Experience:
Previous work on crypto trading platforms UI/UX optimization
Qualification:
Bachelor's in Information Technology
Certifications:
Certified React.js Developer Google Analytics Certified
Achievements:
Acknowledged for outstanding UI/UX design in cryptocurrency platforms
Blockchain Developer
russia Elena Petrov
Skills:
Node.js Python C++ Database Management
Experience:
Background in fintech and secure backend development
Qualification:
Master's in Software Engineering
Certifications:
Certified Node.js Developer AWS Certified Solutions Architect
Achievements:
Awarded for innovative backend solutions in fintech
Cybersecurity Analyst
israel David Cohen
Skills:
Penetration Testing Threat Analysis Cryptography
Experience:
Extensive work with blockchain security protocols and cryptographic algorithms
Qualification:
PhD in Cybersecurity
Certifications:
Certified Ethical Hacker (CEH) Certified Information Systems Security Professional (CISSP)
Achievements:
Published researcher in blockchain security Winner of cybersecurity challenges
Cybersecurity Analyst
southkorea Ji-Hyun Park
Skills:
Influencer outreach Viral marketing campaigns
Experience:
Ran successful crypto awareness campaigns particularly in Asia
Qualification:
Bachelor's in Communications
Certifications:
Social Media Marketing Certificate Influencer Marketing Hub Certified
Achievements:
Orchestrated viral crypto awareness campaigns Known for effective community engagement strategies
Digital Marketing Specialist
brazil Lucas Santos
Skills:
SEO Content Marketing Community Engagement
Experience:
Promoted fintech products Familiarity with the Latin American market
Qualification:
Bachelor's in Marketing
Certifications:
Google Ads Certified HubSpot Content Marketing Certified
Achievements:
Led successful digital campaigns for fintech startups Recognized for marketing excellence
Technical Project Lead
austraila Emily Watts
Skills:
Scrum Project Planning Resource Allocation
Experience:
Background in fintech startups Overseeing blockchain implementations
Qualification:
Bachelor's in Economics
Certifications:
Agile Certified Practitioner (PMI-ACP) Certified Blockchain Project Manager (CBPM)
Achievements:
Noted for driving cross-functional teams to achieve project milestones
Blockchain Security Engineer
switzerland Sophie Müller
Skills:
Consensus Algorithms Network Security Auditing Smart Contracts
Experience:
Deep knowledge of blockchain vulnerabilities and security best practices
Qualification:
Master's in Computer Science
Certifications:
Certified Blockchain Security Professional (CBSP) Certified Information Security Manager (CISM)
Achievements:
Recognized for identifying critical vulnerabilities in blockchain networks

Blockchain Developer
united-states John Smith
Skills:
Solidity Ethereum Smart Contract Development
Experience:
Worked on several DeFi projects Expertise in decentralized applications
Qualification:
Bachelor's in Computer Science
Certifications:
Certified Ethereum Developer (CED) Solidity Developer Certification
Achievements:
Recognized for contributions to open-source blockchain projects
Blockchain Financial Analyst
united-states Michael Johnson
Skills:
Market analysis Tokenomics Regulatory Compliance
Experience:
Advised on token launches and investment strategies in the crypto space
Qualification:
Bachelor's in Finance
Certifications:
Chartered Financial Analyst (CFA) Certified Blockchain Professional (CBP)
Achievements:
Recipient of financial innovation awards
Senior Project Manager
united-kingdom James Thompson
Skills:
Agile methodology Stakeholder Management
Experience:
Managed large-scale blockchain projects Adept at risk management
Qualification:
MBA in Project Management
Certifications:
Certified ScrumMaster (CSM) Project Management Professional (PMP)
Achievements:
Led successful blockchain projects Recipient of project management excellence awards
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