Developed a trust-linked credit card platform that allows users to access secured assets within trust structures through a Mastercard-powered payment solution, with support for digital finance features such as stablecoin repayment and automated account management.
UTGL Card – Mastercard-Powered Credit Platform for Trust-Linked Assets
MarketHong Kong
IndustryFinancial Services
Duration24 months
Team size15 members
Overview
The challenges
Real-time transaction processing: Handled Mastercard ISO 8583 financial messages with very low latency and high reliability for authorization, clearing, and reversal flows.
Dynamic credit limit calculation: Continuously recalculated credit limits based on the real-time market value of assets secured within trust accounts.
Digital finance integration: Enabled secure and seamless card repayment using stablecoins such as USDT, USDC, and DAI at a 1:1 settlement ratio.
Security and compliance: Enforced strict KYC/AML, access control, and auditability requirements to protect sensitive financial and trust-related data.
The solutions
Built a specialized Mastercard processing engine in Golang using Moov-io/iso8583 to support concurrent, reliable, and high-performance financial message handling.
Implemented an advanced rule-based engine to automate trust account management, asset protection, and transaction-level compliance enforcement.
Developed AutoPay and automated interest tracking features, allowing users to manage repayment flows without fixed billing cycles or minimum monthly payment constraints.
Integrated KYC/AML workflows and audit logging services to strengthen privacy protection, traceability, and global regulatory compliance.
Delivered the platform with a multi-tenant architecture on GCP, supporting scalability, isolation, and maintainability across different business domains.
Tech stack
GolangFiberMoov-io/iso8583AlloyDBNestJSFlutterFirebaseRiverpodGoogle Cloud Platform (GCP)Multi-tenant Architecture
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