UTGL Asset Link

UTGL is a Hong Kong licensed trust company with an unusual card model: open a trust account on the UTGL platform first, then receive a UTGL Asset Link Mastercard whose credit line derives from your trust assets - no preset spend limit, no minimum payment, no fixed billing cycle, repayments drawn from chosen trust assets (crypto included), ATM access in 210 countries.

Listing verification (2026-11-10, official card-sc page)

• Card tiers: UTGL Asset Link / UTGL World / World Elite;
• Interest accrues daily: none if auto-repay is enabled with sufficient assets; ATM withdrawals accrue interest immediately;
• Up to 5 supplementary cards can share one trust account;
• The "360U opening fee" circulating in comparison media is a third-party figure (a Sohu article) - the official site publishes no fee schedule; use the application page for actual pricing.

Risk note: this is trust-asset-backed credit, not a prepaid card - card debt is tied directly to trust assets and defaults can touch those assets. Built for high-net-worth users, not as an everyday prepaid U-card.

Entity & licence check (2026-11-11) - partially verifiable: the site self-describes as a Hong Kong licensed trust company, but the licence type and number are not published - verify via the Companies Registry / HKMA registers yourself. Mastercard product with ATM access in 210 countries; no fee schedule published. Transparency grade: medium.