Utopia

Open Utopia on your iPhone and move money in a few taps—while you keep the keys. First-time setup takes minutes: create a wallet, write down your recovery phrase, and lock access with Face ID or a passcode. To add funds, receive stablecoins from an exchange or another wallet using your shareable address or QR code. Paying someone is straightforward: pick a contact or paste an address, enter the amount, add a note, preview network costs, and confirm. If you need to get paid, generate a request with an amount and memo, then share it as a link or QR. You’ll see when it’s opened, paid, or overdue, and you can nudge the payer with a single tap from the request screen. Group expenses are easier too—create separate requests for each person and track who’s settled up.

Turn idle balances into productive funds with Rewards. From the home screen, allocate how much of your stablecoin balance should earn yield. Earnings accrue automatically and remain accessible; move money in or out any time, and Utopia updates your earning allocation on the spot. Use the earning view to see daily accruals and projected returns based on your current balance. Need to make a purchase? Withdraw from your earning balance instantly—no waiting period. You can also set a spending buffer so a fixed amount stays available for day-to-day payments while everything above that threshold continues to earn. more