UniFin

Accounts

All accounts.
One app. Finally, as it should be.

MyWallet UFG brings together bank accounts, digital assets, and investments in a single app. You no longer need to rely on different services, because one login gives you complete control over your finances. With transparent fees, capital protection, fast payments, and flexible settings, managing your money becomes simple and reliable, just the way it should be.

One login — your entire financial world. Bank accounts, crypto, and investments in one interface. Fewer apps mean fewer mistakes and less wasted time.
Money is always at hand and protected. Funds are held in segregated accounts, 100% of capital is safeguarded, with oversight from DFSA, FINTRAC, CySEC, and compliance with ESMA/MiCA.
Payments are swift. Cross-border transfers in 24 currencies without mandatory conversion; local settlements in 11 currencies — faster and cheaper than national clearings.
Crypto — no ‘dancing’ around. Storage is free, exchange/swap with transparent fees, deposits/withdrawals with fixed network fees — no hidden charges.
Investing without the stress. Direct OTC trades and instant settlements, access to UniFin Group products with capital protection.
Complete transparency until you click ‘Confirm’. Fees and rates are visible in advance. Balance and history — in real time.
Control is with you, not the bank. Limits, notifications, vIBAN/IBAN, whitelist operations — all configurable in the app within minutes.

Account Types

Assemble your set — for payments, crypto, investments, and transactions.

In MyWallet UFG, you can open multiple account types and manage them in one interface — quickly, clearly, without surprises.

Multi-currency(EUR, USD, etc.)

One account for global transactions: payments, transfers, working with international markets. Personal IBAN/vIBAN, local clearing, fast FX without unnecessary actions.

Cryptocurrency

Crypto "without pain": free storage, deposits/withdrawals with fixed network fees, exchange and swap at transparent rates. Custody-level protection and control in the app.

Investment(Steady Growth, OTC, stock market)

Growth without unnecessary risks: access to UniFin Group products with 100% capital protection and instant settlements for OTC.

Escrow(Whitelist)

Transactions under full control: funds in a protected account until conditions are met, payments in stages, operations only with verified counterparties from the "white list."

Personal IBAN – your own international account number for receiving and sending payments in EUR, USD, and other currencies directly. No shared "pools", no unnecessary intermediaries.
Virtual IBANs (vIBAN) – additional details linked to the main account. Assign a separate vIBAN for a client, contractor, or project – payments are recognised faster and reconciled without manual hassle.
Order in payment flows – convenient breakdown of incoming funds by direction, fewer errors in assignments, faster period closure.
Multi-currency by default – IBAN and vIBAN work with key currencies and are integrated with cross-border and local payments: pay where it’s more profitable and quicker.
Transparency and control – operations are visible in MyWallet UFG in real-time: customizable notifications, limits, and convenient report exports for accounting.
Reliability and compliance – details operate within the framework of segregated accounts and AML/KYC procedures, ensuring your transactions are clean and predictable.

Security that saves you money, time, and stress

Why this matters to you personally

Fewer declines and blocks: payments are processed faster because checks are performed in advance and automatically.
Money under your control: you manage limits, devices, and access yourself.
Reputation remains intact: transactions are clean from an AML/sanctions perspective — partners trust and accept payments more readily.

How we protect you

Access just for you: 2FA and biometrics for login and transaction confirmation.
End-to-end encryption: data is protected both in transit and at rest (ISO/PCI DSS level).
Smart monitoring 24/7: the system detects anomalies before they become issues.
Sanctions and AML control: we check against OFAC/EU/UN and automatically identify suspicious transactions.

Regulators and audits — not just for show

UniFin ApS is regulated by DFSA (Denmark), compliant with MiFID II/ESMA and MiCA.
UniFin Payment Ltd — MSB license, regulated by FINTRAC (Canada).
Compliance with CySEC (Cyprus), annual independent audits, mandatory reporting.

Client tools in the app

Security centre: manage devices and sessions, instant block/unblock.
Flexible limits and alerts: for large transfers, new recipients, logging in from a new device.
Transparent activity log: see what has happened with the account and when.
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Risk Disclosure

Important: Investments and transactions involving digital assets carry a high level of risk.

Volatility
Prices of crypto assets can fluctuate sharply over a short period. The value of your assets may increase or decrease significantly.
No guaranteed returns
Neither UniFin Group nor its subsidiaries provide guarantees regarding the preservation of value or returns on cryptocurrency investments.
Regulatory risks
Legislation regarding digital assets is still evolving. Different jurisdictions may have different rules, including restrictions on the use or circulation of crypto assets.

Technical risks

Possible blockchain network failures, transaction confirmation delays
Loss of access due to lost keys, client errors, or third-party services

Counterparty risks
When using external networks and liquidity providers, there is a risk of delays or inability to complete a transaction.
AML/CTF and sanctions restrictions
Transactions may be suspended or declined if violations of international AML/CTF rules or sanctions are detected.
Safeguarding & Custody
UniFin Group holds client assets in segregated accounts in accordance with MiCA/CASP. However, this does not eliminate the risk of losses related to the market value of assets.

Before engaging with crypto assets, carefully assess your goals, experience, and willingness to accept risk. Only use funds that, if lost, will not affect your financial stability.

Corporate Entities and Regulatory Information

UniFin Group comprises a number of legal entities providing financial and payment services under national and international regulations:
UniFin ApS – registered in the Kingdom of Denmark, regulated by FTID 40333 Danish Financial Supervisory Authority (DFSA) and FTID 17511 VASP Danish Financial Supervisory Authority (DFSA).
UniFin Payment Ltd – registered in Canada, Business Number (BN) 764689220, licensed as a Money Services Business (MSB), supervised by FINTRAC, registration number C100000188.
Additional autonomous organizations and affiliated companies operate under the supervision of the Danish Financial Supervisory Authority (DFSA) and in accordance with European Union legislation: UniFin CryptoBank ApS, UniFin Exchange ApS, UniFin Venture Fund ApS, UniFin Commodity ApS.

Nature of Information

All information presented on this website is for general informational purposes only. It:

is not personalized investment advice,
does not constitute an offer or solicitation to transact,
should not be considered a guarantee of returns or capital preservation.

All investment and financial decisions are made by the client independently, taking into account their personal goals, financial situation, and risk assessment. UniFin Group is not liable for losses incurred as a result of using the information or services, except as expressly provided by law.

Jurisdictional Restrictions

UniFin Group's services are not intended for residents of jurisdictions where their provision is contrary to local law or international sanctions. In particular, products and services are not available to residents of: the United States of America (USA), the Russian Federation, the Republic of Belarus, DPRK (North Korea), the Islamic Republic of Iran, Syria, Cuba, as well as territories under international sanctions (Crimea, LPR, DPR, and other restricted regions).
Access from such jurisdictions may be restricted or blocked automatically.

Capital Safeguarding and Risks

Client funds are protected through:

asset segregation,
custody in regulated financial institutions,
compliance with DFSA, FINTRAC, and MiCA/ESMA regulations.

Nevertheless, UniFin Group emphasizes that no measures can completely eliminate market, operational, and legal risks, including but not limited to: price fluctuations, counterparty risks, regulatory changes, and technological failures.