Utila Alternative
Utila Is Built for Fintechs. You Probably Need Something Simpler.
Utila offers stablecoin payment rails, tokenization, and enterprise compliance for banks and PSPs. If you're a fund, DAO, or crypto-native team managing a treasury, Tholos gives you what you need without the enterprise overhead.
$500,000,000+ in transactions secured
Tholos vs. Utila. Side by side.
| Features |  | Utila |
|---|---|---|
| Primary audience Who the product is built for | Funds, DAOs, crypto-native teams | Fintechs, PSPs, banks, stablecoin projects |
| Published pricing Can you see the price | $300/mo | Sales call required |
| Self-serve signup Start without a demo | ||
| Free trial Try before committing | 5-day full access | None (demo only) |
| Setup time Time to first transaction | 15 minutes | Enterprise onboarding process |
| Custody model Who controls keys | Self-custodial | Self-custodial |
| MPC protocol Key management technology | DKLs23 | MPC (protocol unspecified) |
| Bank transfers Wire in/out same day | US only; EU/UK coming soon | |
| OTC desk Large trades ($100K+) | Not prominently featured | |
| Staking Native staking support | Via integration | |
| Policy engine Governance and controls | ||
| Chain support Ecosystems supported | 30+ chains | BTC, ETH, SOL, TRX, TON, EVM, Cosmos |
| Compliance integrations AML, KYC, KYT built in | ||
| SOC 2 Type II General audit certification | ||
| CCSS Level 3 Custody security standard | ||
| Stablecoin operations suite Payment rails, settlement | ||
| Product categories Scope of platform | Treasury management | 6 categories (Payments, Trading, Treasury, Business Continuity, WaaS, Tokenization) |
Why crypto-native teams choose Tholos over Utila
Built for Treasuries, Not Payment Rails
Utila's focus is stablecoin operations, tokenization, and payment infrastructure for fintechs. Tholos is purpose-built for team treasury management: custody, banking, staking, and DeFi from one dashboard.
Self-Serve in 15 Minutes
Utila requires a demo request and enterprise onboarding. Tholos: sign up, create a vault, go live. No sales process, no implementation team. 5-day free trial with full access.
Transparent Pricing
$300/mo, everything included. Utila doesn't publish pricing at all. With Tholos, you know exactly what you're paying before you talk to anyone.
You Don't Need 6 Product Categories
Utila sells Payments, Trading, Treasury, Business Continuity, Wallet Infrastructure, and Tokenization. If you just need a secure team wallet with banking and policy controls, Tholos gives you exactly what you need.
Trusted by crypto-native teams
Funds and DAOs managing their treasury on Tholos
"We were looking for a multi-chain custody solution that was intuitive, secure, and affordable. Tholos was the clear winner across all categories."
William Patterson
Managing Partner, Third Earth Capital
"After evaluating numerous MPC wallet providers, I highly recommend Tholos to anyone seeking a reliable, client-focused solution, with customer service that's unmatched in responsiveness and professionalism."
Edward Eddington
Chief Yield Officer, Mawari Network
"Tholos provides reliable custody management that ensures our funds are protected. We manage the keys and control our own destiny."
JP Baric
CEO, Aurum
Frequently asked questions
How is Tholos different from Utila?
Utila is built for fintechs and payment companies building stablecoin infrastructure. Tholos is built for funds, DAOs, and crypto-native teams managing their treasury. If you need custody + banking + staking in one dashboard without the enterprise complexity, Tholos is the simpler choice.
Does Tholos have compliance integrations like Utila?
Tholos focuses on self-custodial security (CCSS Level 3, MPC) rather than compliance infrastructure. If you need AML/KYC/KYT integrations for a payment business, Utila is designed for that. If you need secure team treasury management, Tholos is purpose-built for that.
Is Utila overkill for my team?
If you're a fund, DAO, or crypto company managing a treasury (not building payment infrastructure), Utila's 6 product categories may be more platform than you need. Tholos provides the treasury management features you need without the enterprise overhead.
Can I try Tholos before committing?
Yes. Tholos offers a 5-day free trial with full access. Sign up, create a vault, and test everything. No sales call required.
Does Tholos support the same chains as Utila?
Both support a wide range of chains including Bitcoin, Ethereum, Solana, and Cosmos. Tholos supports 30+ chains. Utila supports BTC, ETH, SOL, TRX, TON, major EVM chains, and Cosmos chains, with a "Bring Your Own EVM" feature for custom chains.
One wallet, every chain
Your entire portfolio in one place
Stop switching between wallets. Tholos supports Bitcoin, Ethereum, Solana, Hyperliquid, and 30+ other networks from a single dashboard.
+ Osmosis, Neutron, Saga, Stride, Stargaze, Noble, and more.
Treasury management. Not enterprise infrastructure. That's all you need.
Purpose-built for funds, DAOs, and crypto-native teams. Self-serve. Transparent pricing.