Developed a modern asset and trust management platform that combines traditional trust services with digital financial solutions, including a trust-linked credit card offering.
UTGL: Hybrid Asset & Trust Management Platform
MarketHong Kong
IndustryFinancial Services
Duration24 months
Team size14 - 16 members
Overview
The challenges
Complex hybrid integration: Bridged traditional trust/legal frameworks with high-speed Web3 digital asset workflows, requiring a flexible and highly secure system architecture.
Real-time transaction messaging: Processed Mastercard transactions using the ISO 8583 standard with high accuracy and ultra-low latency for instant authorization and reversal handling.
Dynamic risk assessment: Calculated real-time credit limits based on the continuously changing market value of assets held within the trust.
Stringent regulatory compliance: Met strict financial privacy and regulatory requirements in the Hong Kong market while supporting global cross-border payment flows.
The solutions
Implemented an advanced rule-based engine to enforce asset protection policies and automate compliance with legal and trust management requirements.
Developed the UTGL Asset Link Credit Card platform, allowing users to access secured assets via Mastercard without liquidating their holdings.
Built a stablecoin settlement system that enables 1:1 credit card repayment using digital assets such as USDT, USDC, and DAI.
Created an automated trust management platform to streamline offshore account operations and financial privacy workflows, reducing manual effort.
Delivered an omni-channel financial hub across mobile and web for key flows such as Inject, Pay & Transfer, Convert & Swap, and Invest.
Tech stack
DartNodeJSFlutterFirebaseRiverpodNestJSGCP
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