Building the bank
the next generation actually wants.

A platform built by investors, for investors.

Ulltimate Rewards was founded in 2018 in London by a small team who had spent a decade building infrastructure for the biggest names in fintech and crypto. We had watched friends and family struggle with the same three problems: legacy banks paying near-zero interest, crypto exchanges with confusing UX and shaky custody, and investment apps that treated everyone like a beginner. We believed there was room for something better — an editorial-grade platform that combined the yield of crypto, the simplicity of a neobank, and the security of an institutional custodian.

The first version of Ulltimate Rewards launched in 2018 with one product: a USDC yield plan paying 10% APY, settled into your USD balance every twenty-four hours. Within six months we had ten thousand customers. By the end of 2024 we had passed half a billion in assets, opened offices in Berlin and Singapore, and earned SOC 2 Type II certification. Today we serve investors in 87 countries and manage over $2.4 billion across crypto, stablecoin, and equity products.

Make institutional investing feel personal.

For decades, the best investment infrastructure — segregated custody, real-time settlement, daily yield, deep liquidity — was reserved for hedge funds and family offices. We are dismantling that wall. Every Ulltimate Rewards retail account uses the same custody architecture, same settlement rails, and same risk controls as our institutional desk. The difference is the experience: a beautifully designed app, twenty-four-hour human support, and zero jargon.