Zumo crypto alternative for your stablecoin app outside the UK
Zumo sells API modules to add crypto to an app serving UK customers. Unigox is the Zumo crypto alternative for customers outside the UK: we build the USDT and USDC app for you. Firms serving UK customers stay with Zumo.
When to stay with Zumo
Your customers are in the UK and pay in GBP
Zumo gives UK customers sterling balances, instant deposits and withdrawals to and from UK bank accounts with Confirmation of Payee, and crypto trading against GBP pairs. Its API also holds and trades Bitcoin and Ether, which a Unigox app does not.
You need help with UK crypto rules
Zumo's team supports financial promotions compliance and the move into full FCA authorisation under the UK cryptoasset regime.
Your engineers will embed crypto in your own app
Crypto Access is API-first and built to sit inside your product, with custody, trading and onboarding in one integration and sandbox to live in as little as 8 weeks. If that app only needs local payouts settled in USDT or USDC, look at the Unigox Payments API.
See the Payments API
Zumo and Unigox for crypto under your brand
| Topic | Zumo | Unigox |
|---|---|---|
| What you get | Modules you pick behind one API: crypto execution, MPC custody, GBP fiat accounts, KYC and AML checks, and regulatory support. Zumo has closed its own consumer app. | A ready money app under your brand, with a USDT and USDC wallet, local payments and customer identity checks. |
| Who builds the app | Your product team, embedding Zumo's API with help from a Zumo delivery team; Zumo says sandbox to live can take as little as 8 weeks. | Unigox builds it and prepares the store listings in your own App Store and Google Play account. Launch is planned within one month for the agreed scope. |
| Where customers are | The UK: sterling balances, instant transfers with UK bank accounts and Confirmation of Payee. | Markets agreed with you in planning. Customers pay by bank transfer or mobile money to a P2P merchant or payment business, and escrow holds the crypto until the payment is confirmed. |
| Assets and custody | BTC, ETH, BSV, USDT and USDC, plus GBP, traded mostly against GBP. MPC custody with segregated wallets and 1:1 safeguarding of customer assets. | USDT and USDC, held in each customer's Unigox Wallet. |
| Pricing | Not published; its pages lead to Contact sales or a strategy call. | Starts at $25,000 setup with a $7,500 monthly minimum and a 20% revenue share; the first term is 12 months, then month to month. |
| Regulation | Zumo Financial Services Limited is on the FCA cryptoasset register (number 901033), under the Money Laundering Regulations, and says it is preparing for full UK authorisation. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxSwitching from Zumo for customers outside the UK
Name your markets on a call
Tell us where your customers live and how they pay there. If most of them are in the UK, Zumo is the better fit; otherwise we confirm markets, features and price before you sign.
Verify your company with Unigox
Unigox needs your company's registration papers, owners, source of funds and intended use. Checks Zumo ran on your firm do not transfer.
Hand over brand and store account
We build the app from your brand materials and review it with you before launch. Your customers then open new accounts in the app with email and pass its identity check.
Questions about Zumo crypto alternatives
Which Zumo crypto alternative builds the app for us?
Unigox NeoBank-as-a-Service, when your customers are outside the UK. Zumo gives firms serving UK customers an API to embed crypto in an app they already run; Unigox delivers the app itself, with USDT and USDC balances and local bank transfer or mobile money payments, under your brand.
See NeoBank-as-a-ServiceWhat does Zumo crypto sell to businesses today?
A UK platform for crypto firms, banks, fintechs and wealth managers: crypto trading, MPC custody, GBP accounts and on and off-ramps, KYC and AML checks, and help with financial promotions and the UK cryptoasset authorisation regime. Firms pick the modules they need.
Is the Zumo crypto app still open?
No. Zumo has closed its consumer app, and crypto exchange in it has ended. The company now sells its platform to businesses.
Can Unigox handle GBP for our company like Zumo?
For your company's own money, yes: a Unigox business account comes with a UK account number and sort code, swaps GBP to stablecoins and back, and OTC deals convert GBP too. Zumo's GBP service is a different job: sterling balances and crypto buying for your UK customers inside your app.
See business accountsPlan a stablecoin app beyond the UK
Tell us where your customers live, how they pay today and what the first version must do. We come back with the launch markets, the app scope and the price before you sign.
Zumo and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.