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FAQs

What is U-topia?

U-topia is a PayFi company redefining digital finance by addressing inefficiencies in traditional banking and payment systems.

By leveraging next-generation technology with decentralized financial tools, U-topia provides seamless, efficient, and transparent financial solutions that empower individuals and businesses worldwide.

Its core utility token, $U-Coin, is a loyalty and rewards program that powers an ecosystem that includes:

  • U-Wallet - A multi-chain wallet that pays your gas fees in $U-Coin
  • Topi AI - The first RWA AI designed to provide real-time market insights, sentiment analysis, and gamified trading rewards.
  • U-Rewards - Real-world and digital rewards across 70,000+ global vouchers in food, fashion, electronics, and more with the likes of Amazon, Nike, Starbucks, etc.
U-topia removes the barriers of Web3 by abstracting chains and eliminating the need to hold native tokens, delivering a Web2-like experience with powerful Web3 utility.


What is U-Coin?

U-Coin is a tokenized loyalty points program that incentivizes actions like a medium of exchange, facilitating payments, trading, and transactions within U-topia’s PayFi group of products & services.

It plays a dual role as both a loyalty rewards program and a tradeable digital asset.

Inspired by the successful models of American Express and airline loyalty programs, U-topia’s superposition-based loyalty system ensures that users are continuously incentivized for their engagement with the platform.

With the loyalty points which are tokenized digital assets, users can use the points to transact payments starting within our ecosystem but eventually extending it where third-party merchants can accept $U-Coin as payment, reducing their reliance on high-cost credit card networks while enabling near-instant settlements.

Compared to traditional banking, which imposes high interchange fees and delayed settlements, $U-Coin offers a cost-efficient and faster alternative.


What can I do with U-Coin?

U-Coin loyalty and rewards program gives the users the ability to spend and buy products from over 70,000 products of global vouchers in categories of Food & Beverage, Household Goods, Electronics, Fashion & Entertainment, and Video Games.

Early supporters of U-topia who hold the minimum required amount of $U-Coin will unlock benefits and additional bonuses from Staking, Trading Fees, and Discounts on products & services from our global inventory of Real World Merchandise.


What blockchain networks does U-topia support?

U-topia is a multi-chain ecosystem that supports four blockchain networks right now including Ethereum, Binance Smart Chain, Polygon, and Arbitrum.


How do I earn rewards through U-topia?

Users accumulate U-Reward Points through various activities within the U-topia PayFi open ecosystem, such as engaging with content, participating in community events, or utilizing U-topia's financial services.

These points allow users to spend & buy on rewards or spend $U-Coin or other crypto for a wide array of options, including:

  • Physical Merchandise: Product inventory of over 70,000 items from top brands like Nike, Amazon, and Starbucks.
  • Digital Services: Subscription to premium content, digital collectibles, and NFTs.
  • Financial Products: Investment in staking pools, participation in DeFi projects, or trading within U-topia's platform.


How can I buy U-Coin?

You can buy U-Coin through the Centralized Exchanges (CEXs) on which U-Coin is listed such as MEXC and Bitmart.

Here are the links to access U-Coin on these platforms:
U on MEXC
U on BitMart


How do I redeem rewards and products with U-Coin?

Users engaging with the U-topia ecosystem through earning, spending, staking, or social activities accumulate tU Points, which can be redeemed for real-world benefits such as crypto cashback, discounts, NFTs, and premium services through the Spend Tab on the Topi AI app.

This dynamic reward mechanism ensures continuous circulation of $U-Coin, fostering engagement and transactional demand.


How do I stake U-Coin?

  1. The user visits the staking platform and connects their wallet (e.g., MetaMask). The system checks for any active stakes and displays the user's staking history.


  2. The user chooses how many tokens they want to stake. Then, they select a lock period:
    • 15 days → 10% APY
    • 30 days → 12% APY
    • 60 days → 15% APY
    • 90 days → 18% APY


  3. The system verifies if the user has approved the transaction and if the lock period is valid. Then, the tokens are transferred from the user’s wallet to the staking contract.


  4. Once, the staking process is completed, the user sees their Staked Amount, Lock Period & End Date, and Accumulated Rewards (Updating Over Time)


What is the APY for staking U-Coin?

It depends on the number of days the user is staking for:

  • 15 days → 10% APY
  • 30 days → 12% APY
  • 60 days → 15% APY
  • 90 days → 18% APY


Is there a penalty for early unstaking?

Yes, if you want to unstake early, you can — but just like pulling your fixed deposit out before maturity, there’s a 50% penalty on rewards and stake amount.


How long is the cool-off period for staking U-Coin?

After you unstake, there is a cool-off period until you may withdraw your tokens:

  • 24 hours for post-lock unstaking
  • 7 days for early unstaking


The fascinating part is that your tokens continue to accrue at 5% APY until you choose to unstake them, even after the lock-in period has ended.


How do I unstake tokens after my lock-in period ends?

Users can unstake tokens fully or partially at any time.

If unstaking after the lock period:

  • The full staked amount was returned.
  • All earned rewards are given.
  • Cool-off period of 24 hours before “undelegated” tokens are available to claim, Users will still earn additional APY during this period.


Is there a Referral Program for U-topia?

Yes. These are the steps:

  1. Follow UCoinOfficial on X
  2. Join Community Channels
  3. Like & Retweet the BOOST Tweet on X.
    • (if there is a partner, like Magic Square Post, Like, and Retweet that one too)
  4. Refer 5 friends
    • Track the wallet address


What is Topi AI?

Topi AI is the first product from U-topia that integrates multiple wallets and is the first Web3 platform that removes barriers to entry by offering the most up-to-date educational resources from AI Data Warehouses like BigQuery and Snowflake AI aggregated into one app for the masses.

Our Loyalty Program, U-Rewards powered by $U-Coin provides holders/members an immediate USD$5,000 annual value to the top Crypto AI platforms in the world.


How can I earn U-Coin using Topi AI?

Topi AI offers users opportunities to earn rewards through various activities within the U-topia PayFi open ecosystem.

Starting by learning, trading, and then maximizing your U-Rewards by participating in staking programs, liquidity provision, or platform-specific tasks, users can accumulate $U-Coin, U-topia's native utility token.

These earning mechanisms are designed to incentivize active participation and foster a thriving community of supporters.


How do I access Topi AI on Telegram?

Customers can access the Topi-AI through the Telegram bot within the U-topia ecosystem.

The bot integrates directly into the platform, allowing users to interact with its features, manage their wallets, track rewards, and engage with gamified elements all within the Telegram interface.

To use Topi-AI, users must have a valid Telegram account to interact with the bot.

They would need to connect a compatible wallet, such as Trust Wallet or MetaMask, to manage transactions and rewards.


Are there fees for using Topi AI tools?

No, there are no fees associated with using Topi AI tools.


What kind of tasks can I complete on Topi AI?

There are multiple tasks that a user can perform to earn rewards on Topi AI.

Quest Type Description
Daily Check-in The user checks in daily and claims rewards.
Trading Volume Milestone Users hit trading volume thresholds for rewards.
Complete Quiz The user completes one of the quizzes in the app
Trade Specific Pair Incentive for trading specific token pairs.
Chat with AI Agent Engage with the AI agent for rewards.
Multiplier Boosted Session Temporary multiplier for rewards
Hold Specific Token Long-term incentives for holding
Stake Token Long-term incentives for staking
Referrals Earn Points by bringing friends by referrals
Social Tasks Follow, Join, and Comment


What is the benefit of using Topi AI?

The benefits of using Topi AI for consumers include::

  • Accessible - use Topi AI right from your Telegram application anywhere in the world.
  • High Value (Access to the top AI applications which would normally cost half of an average monthly salary for users in underdeveloped regions)
  • Cost Efficient - Transaction fees are given back to the users in the form of U-Rewards.
  • High Utility - $U-Coin loyalty and rewards program gives the users the ability to spend and buy products from over 70,000 products of global vouchers in categories of Food & Beverage, Household Goods, Electronics, Fashion & Entertainment, and Video Games.


Can Topi AI help me trade crypto better?

Yes! Topi AI’s Trade & Tokens Explorer uses AI-powered signals to spot high-potential tokens before they pump.

Get real-time price alerts, AI-driven risk assessments, and automated insights to trade with confidence.


Why should I start using Topi AI today?

  • Make smarter crypto decisions with real-time AI insights
  • Earn tU Points effortlessly by engaging with Web3 tools
  • Redeem points for real crypto rewards and exclusive perks
  • Trade with confidence using AI-driven strategies

Topi AI isn’t just another tool, it is your competitive edge in the future of finance.

Get started today and turn your knowledge into rewards!


What are the core features of Topi AI?

  • AI Hub: Real-time on-chain analysis, whale tracking, and social sentiment insights to uncover market opportunities.
  • Earn: Users can complete Web3 tasks, trade, and engage with projects to earn tU Points and $U-Coin.
  • Spend: Redeem tU Points for U-Rewards, including digital goods, subscriptions, and real-world perks.
  • Tokens Explorer: Comprehensive market data with AI-curated token insights for smarter investment choices.
  • Trade: Seamless P2P crypto trading with low fees and AI-enhanced decision support.


Are there risks involved with staking?

  • When you stake your tokens, they’re locked for a set period (e.g., 15–90 days for U-Coin).
  • If you decide to unstake before your lock period ends, you usually lose a portion of your rewards and a part of your staked amount.

  • However, even after you unstake, your tokens keep earning 5% APY during the cool-off (24 hours or 7 days). Whereas, most platforms freeze your rewards immediately. Moreover, The value of U-Coin isn’t just "in-app points". Your rewards can be spent on real-world products like electronics, games, and food.


    What is U-Rewards?

    U-Rewards is a loyalty program that enables users to earn and redeem points through various platform activities.

    Users can spend points for discounts, exclusive perks, digital assets, and real-world rewards.

    The program provides access to a global catalog of 70,000+ vouchers across categories like Food & Beverage, Household Goods, Electronics, Fashion & Entertainment, and Video Games.


    Why is U-Rewards different from other loyalty programs?

    There is no difference.

    Loyalty programs reward customers or users for purchasing their products and services.

    The benefits that U-Rewards offers range from discounts on products and services, financial yields and bonuses from Web3 Decentralized Finance like Staking, and user contributions to our Liquidity Pools.

    What makes U-Rewards much more attractive is the extensive VALUE and VARIETY of our benefits offered that cater to a wide spectrum of users from Web2 to Web3 which is shown from our first consumer product “Topi AI” the first RWA-I of Gamified Rewards for Crypto Trading.

    Users can Learn, Earn & Spend while leveling up their knowledge of Web3 and Crypto Trading trading.

    Earn points and $U-Coin no matter what level the user is at in their crypto journey, their benefits are all the same:

    • Spend and buy products from over 70,000 products of global vouchers in categories of Food & Beverage, Household Goods, Electronics, Fashion & Entertainment, and Video Games, providing users with real-world utility for things in their daily lives.
    • Reduced Crypto Trading Fees by trading on Topi.AI right from your Telegram App
    • Earn bonus returns for contributions back to the $U-Coin Community from community content & feedback (Powered by Yaps and Kaito) and to the $U-Coin Liquidity Pools and earn LP rewards.


    How does U-Rewards drive retention?

    The primary method is the tremendous value of Topi.AI and U-Rewards offers - Accessibility.

    Topi.AI is accessible in the #1 Web3 Super App in the world, Telegram.

    Financial Barriers are removed - U-Rewards members get access to Kaito AI, the #1 Web3 AI tool used by individual traders and professional traders all around the world.

    As a basic member of the U-Rewards Loyalty Program, which normally costs 4x an average salary in unbanked and developing regions of the world, the $833 USD per month subscription is sponsored for all U-Rewards members - $10,000 USD annual value.

    Benefits of the U-Rewards - Global name-brand products and even country/region-specific products.

    Therefore no matter which country or region you live in, there will always be something you can spend your rewards and other crypto assets on that benefits your daily life - Real World Utility.


    How do I earn U-Rewards ($U-Coin)?

    Users accumulate U-Reward Points through various activities within the U-topia ecosystem, such as engaging with content, participating in community events, or utilizing U-topia's financial services.

    These rewards allow users to redeem them for a wide array of options, including:

    • Physical Merchandise: Spend & Buy products from over 70,000 items from top brands like Nike, Amazon, and Starbucks.
    • Digital Services: Subscription to premium content, digital collectibles, and NFTs.
    • Financial Products: Investment in staking pools, participation in DeFi projects, or trading within U-topia's platform.


    How can I join the U-topia community?

    You can join the U-topia community by following us on our Socials.

    Here are the links to join us:


    Where can I get updates about U-topia?

    You can get updates about U-topia by following us on our social media accounts on X(Twitter), Telegram, and Discord.

    For more information, visit our website: U-topia website.


    Can I have multiple active stakes at once?

    Yes, a user can hold multiple stakes simultaneously. For example, if user A has four active stakes, each one will have a different lock period and staking amount.


    What happens after the staking lock-in period ends?

    After the lock period ends, rewards continue to accumulate at a fixed 5% APY.

    Users can claim rewards anytime:

    • After the lock period: Full rewards are given.
    • Before the lock period ends: A 50% penalty applies.


    Claimed rewards are sent to the user's wallet, and their reward balance is reset.


    What is the cool-off period after unstaking?

    A Cool-off period of 24 hours is applied before “undelegated” tokens are available to claim, Users will still earn an additional base APY (1%) during this period.


    Will I continue earning rewards during the cool-off period?

    Yes, even after you unstake, your tokens keep earning 5% APY during the cool-off (24 hours or 7 days).

    Whereas, most platforms freeze your rewards immediately.


    What happens if I don't claim rewards immediately after the lock-in ends?

    Users will continue to accumulate rewards at a base APY of 1%, even once the locking period has concluded.

    This means that after the lock expires, their investment will still generate earnings, ensuring a steady growth of their rewards over time.


    Is there a minimum or maximum amount I can stake?

    Yes, the minimum stake required is $10 USD worth of BNB or U-Coin.

    There is no maximum limit.


    Where can I view my staking history and rewards?

    1. The user visits the staking platform.
    2. They connect their wallet (e.g., MetaMask).
    3. The system checks if the user has any active stakes and displays their staking history

    Found a Bug? Let Us Know!

    Encountered an issue with Topi.AI? Help us improve by reporting it! Use our Bug Report Form to share details, and we’ll work on fixing it as soon as possible. Your feedback makes a difference!