# Utexo

> Utexo is an execution and settlement layer for USDT and stablecoin payments on Bitcoin, using RGB and the Lightning Network to deliver private transfers and predictable, fixed fees via API and SDK. Backed by Tether, Portal Ventures, Big Brain Holdings, and Franklin Templeton.

Utexo lets PSPs, exchanges, custodians, and wallets settle USDT instantly on Bitcoin without managing Lightning infrastructure themselves. Unlike public blockchains with dynamic fees, Utexo's costs are fixed and predictable, with execution off-chain and cryptographic commitments anchored to Bitcoin.

## Products
- [API](https://utexo.com/api-product): Gateway to native USDT on Bitcoin — settlement, swaps, and bridging
- [Cloud](https://utexo.com/cloud): Fully managed Lightning Network infrastructure

## Customers
- [PSPs](https://utexo.com/psps): Fixed-cost private USDT settlement
- [Exchanges](https://utexo.com/exchanges): Cross-exchange settlement without pre-funding
- [Custodians](https://utexo.com/custodians): Custody, settlement, and yield on BTC/USDT
- [Retail Wallets](https://utexo.com/retail-wallets): USDT/BTC natively on Bitcoin
- [Enterprise Wallets](https://utexo.com/enterprise-wallets): In-wallet settlement and yield
- [IGaming](https://utexo.com/igaming): Instant deposits and payouts at any amount

## Docs
- [Developer documentation](https://docs.utexo.com/): SDK, API reference, and integration guides

## Company
- [Team](https://utexo.com/team)
- [Brand Kit](https://utexo.com/brand-kit)
- [Contact sales](https://utexo.com/contact-sales)