About Utorg

Utorg OÜ is a fintech company that offers а modern fiat to crypto exchange infrastructure to deliver а top-notch user experience. The company is EU-based and holds a license for providing a virtual currency service, in particular exchanging a virtual currency against a fiat currency, virtual currency wallet service, exchanging a virtual currency against a virtual currency. Utorg OÜ has PCI DSS Level 2 certification.

The management Team of Utorg OÜ has an impressive longstanding experience in distributed ledger technologies, smart contracts, cyber-security, finance, banking, credit card processing, cryptocurrency market and e-commerce services. It helps us to satisfy the most challenging client needs.


Regulations are indispensable to protect the rights and safety of clients and ensure the delivery of goods and services. Utorg OÜ is incorporated in Estonia and is regulated by the Estonian Financial Intelligence Unit.

The Estonian cryptocurrency license allows Utorg OU to conduct the following business activities:

  • Providing services of exchanging a virtual currency against a fiat currency
  • Providing a virtual currency wallet service
  • Providing services of exchanging a virtual currency against a virtual currency

Therefore, Utorg is here to deliver high-grade service within the sustainable regulatory framework.

Virtual currency exchange license

Protected transactions

To ensure sustainable protection for users and their funds, UTORG has implemented MasterCard® SecureCode™ and Visa Secure (previously known as Verified by Visa) 3-D Secure standards.

This added layer of protection interacts with both the cardholder and their card issuer. When customers check out, an in-line window appears asking them to enter a unique, personal code, that has been registered with their bank. The bank then authenticates the cardholder and provides UTORG with evidence of the online purchase.

This makes it possible to operate under a worldwide security and compliance standard, increasing card acceptance rate and effectively closing down more than 90% of attempts at fraud.

In the event of fraud, consumers are covered in part or full depending on local market rules and regulations.

Secured cardholder data

The Payment Card Industry Data Security Standard (PCI DSS) is a widely accepted set of policies and procedures intended to optimize the security of credit, debit, and cash card transactions and protect cardholders against misuse of their personal information.

Being PCI DSS compliant means consistently adhering to a set of guidelines set forth by the PCI Secuity Standards Council.

To obtain PCI DSS certification the business has to be compliant with six major objectives, 12 key requirements, 78 base requirements, over 400 test procedures, and complete regular external audits.

UTORG holds PCI DSS Level 2 certificate to protect our clients from technological savvy fraudsters.

PCI DSS certificate

Live chat support
Our support team is ready to help you
via email at every step of the way
Live chat support
Our support team is ready to help you
via email at every step of the way