Singapore, Singapore, November 5, 2026 
As digital assets move from investment holdings into everyday payment scenarios, the industry is entering a new stage of adoption. Speed and convenience are no longer enough. Users, partners, and compliance teams need to know how assets are held, how funds move, and how each transaction can be traced and verified. For UstarPay, this is a core part of building real-world crypto payment infrastructure. Card programs and payment flows must be fast enough for daily use, while also maintaining clear governance over customer assets, settlement records, and operational responsibilities.
To support this foundation, UstarPay has engaged BitGo Bank &amp; Trust, National Association ("BitGo Bank &amp; Trust"), an OCC-regulated digital asset trust bank and subsidiary of BitGo Holdings, Inc. (NYSE: BTGO) ("BitGo"), the digital asset infrastructure company,as the custodian for its digital assets holdings behind UstarPay's digital asset payment and card infrastructure.
About the Arrangement
BitGo's custody infrastructure helps UstarPay reinforce customer fund security.
BitGo is a digital asset infrastructure company serving institutional clients across custody, wallets, staking, trading, financing, stablecoins, and settlement solutions. Since 2013, BitGo has supported the development of secure infrastructure for the digital asset economy and provides services through multiple regulated entities.
Through this collaboration, UstarPay is working with BitGo to support custody and related infrastructure for UstarPay’s own digital asset payment services.

A key principle of the arrangement is that customers retain ownership and beneficial interest in their assets. Customer assets are not intended to be transferred to the custodian as proprietary assets, and the custody structure is designed to support clear separation of rights and responsibilities.
For UstarPay, this structure reflects a simple but essential belief:
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 <td colspan="1" rowspan="1">Customer assets should remain customer assets.</td>
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What This Means for Users and Partners
Users and partners need confidence that supported digital assets are handled through a defined custody framework. BitGo been serving institutional clients for over a decade. As UstarPay continues to connect supported digital assets with card-based spending use cases, theunderlying custody and governance infrastructure becomes increasingly important. BitGo's institutional infrastructure helps support the reliability required for these payment flows.
Compliance by Design, Not as an Afterthought
At UstarPay, compliance is not treated as the final step before launch. It is part of how products aredesigned, reviewed, and improved.
UstarPay's engagement of BitGo for custody services reflects that approach.
Supporting the Next Stage of PayFi
UstarPay is built around the idea of "Real Crypto, Real Life." That means making supported digital assets more usable in practical scenarios, including card based spending and real-world transactions. But for PayFi to move forward, usability must be matched by security, transparency, and compliance readiness.
The engagement of BitGo as the custodian for the digital assets holdings behind UstarPay’s digital asset payment supports this next stage by strengthening the infrastructure that sits beneath the user experience. For users, the goal is simple: a smoother and more reliable way to use supported digital assets in everyday payment scenarios. For partners, the goal is broader: a payment infrastructure model with clearer custody arrangements and customer fund security. For the industry, the message is clear: real-world crypto adoption requires more than access. It requires trust that can be operationalized.
Security Is Not a Claim. It Is a Design Choice.
Every payment experience depends on invisible infrastructure. Users may only see the card, the wallet, or the transaction confirmation, but what matters just as much is the structure behind it.
UstarPay's engagement of BitGo is designed to make that structure stronger. By reinforcing a robust custody framework, across its digital asset payment flows, UstarPay is taking another step toward building payment infrastructure that is not only convenient, but also accountable.
In the future of PayFi, trust will not be defined by slogans. It will be defined by systems that can be tested, reviewed, and verified.
That is the direction UstarPay is building toward.
About UstarPay
UstarPay is a PayFi-based platform focused on digital asset applications and card infrastructure. The platform is dedicated to connecting supported digital assets with real-world spending and transaction scenarios.
Through wallets, cards, and related technology infrastructure, UstarPay provides eligible individuals and businesses with card and transaction application solutions based on supported digital assets.
UstarPay values compliance, transparency, and risk management. Depending on applicable products and processes, UstarPay considers identity verification, on-chain risk monitoring, asset custody, and transaction and settlement records as important elements in building traceable digital asset usage flows. Guided by the concept of "Real Crypto, Real Life." UstarPay continues to explore how supported digital assets can become more closely connected to everyday life and business use cases under applicable conditions.

Relevant services are subject to applicable laws and regulations, user eligibility, supported assets, product settings, and geographic restrictions.
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About BitGo
BitGo (NYSE: BTGO) is the digital asset infrastructure company delivering custody, wallets, staking, trading, financing, stablecoins, and settlement services from regulated cold storage.
Since 2013, BitGo has focused on accelerating the transition of the financial system to a digital asset economy. BitGo maintains a global presence and multiple regulated entities, including BitGo Bank &amp; Trust, National Association, the first federally chartered digital asset trust bank owned by a publicly traded company. Today, BitGo serves thousands of institutions, including many of the industry's top brands, financial institutions, exchanges, and platforms, and millions of investors worldwide.
For more information, visit <a target="_blank" rel="noopener noreferrer nofollow" href="www.bitgo.com">www.bitgo.com</a>

UstarPay announces custody arrangement with BitGo Bank & Trust for Real-World Crypto Payments

BTCWire

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