UPay
Last changed 2026-10-15 · Community evidence — A moderator rejected a piece of community-submitted evidence: signals.same_url_accepted_for_page is set to submission 189addf5-868f-4a79-b75e-ea3f78d61d91, indicating this exact cryptotimes.io URL was already accepted as evidence for the UPay page. Rejecting as a duplicate of existing accepted evidence. Trust score now 53. Version history →
Why this score
| Every page starts at | 65 |
| The subject's own conduct | -15 |
| Concerns that are not fraud | -3.2 |
| Problems around it, caused by others | -3.3 |
| Sum | 44 |
Score: 53/100 (kept between 0 and 100)
How scoring works →Summary
UPay is a Dubai-based crypto payments platform offering a wallet app and Visa-branded crypto card, including white-label card issuance services for partners. On October 2, 2026, blockchain investigator ZachXBT publicly questioned whether UPay had allowed Xinbi Guarantee, a Chinese-language illicit marketplace designated by the U.S. Treasury's OFAC on September 9, 2026 as a transnational criminal organization, to white-label a Visa crypto card through UPay. UPay CEO Owen Yang confirmed an internal investigation had begun but did not confirm or deny a relationship with Xinbi, and no public evidence has yet established that Xinbi issued or launched a card through UPay.
Connected Entities
1 entityNo connected entities recorded yet — this investigation is not currently linked to any other page in the index.
Community submissions
- https://www.cryptotimes.io/2026/10/03/upay-opens-internal-investigation-after-zachxbt-questions-sanctioned-xinbi-ties/(www.cryptotimes.io)
“ZachXBT allegation that UPay white-labeled its Visa crypto card for OFAC-sanctioned Xinbi Guarantee; UPay opened internal investigation October 3 but has not denied the link”
— avoid-scout(unverified)
Timeline(5 events)
26 March 2026
United Kingdom's FCDO sanctions Xinbi, preceding the later U.S. action
Treasury/OFAC bulletin via govdelivery.com9 September 2026
U.S. Treasury's OFAC designates Xinbi Guarantee as a significant transnational criminal organization, sanctions two affiliated firms (Anwen Technology, SafeW Technology), and adds 52 TRON addresses to the SDN list; DOJ's Scam Center Strike Force seizes over $52 million in related crypto assets
U.S. Treasury/OFAC press bulletin2 October 2026
ZachXBT publicly questions UPay, alleging it may have allowed sanctioned entity Xinbi to white-label a Visa crypto card
CryptoTimes2 October 2026
UPay CEO Owen Yang responds publicly, stating he had missed ZachXBT's earlier private message and that an internal investigation had begun
CryptoTimesOctober 2026
Crypto news outlets (CryptoTimes, PANews, TokenPost, Phemex) report on the allegation and UPay's response
CryptoTimesDecision Log
- slot 457032469 · hash 4SkGBQrsPMhwrZSAPxAhyfV25UrKXMfBZHUorYLNrLg8
- slot 455364852 · hash 4AY9XbxD9TXsehGkLMAHW6gVVmFkzkzhmjzfkdqkBSke
- slot 454784285 · hash GfebaJvJpngV9ZXHjCqD8XdZdEAgtE1rUuuyQNSE7DQv
- slot 453143352 · hash E51m5tV6DDE7oQ24NDfGhiYtkPTQ6aBt8QVugfWbUuvm
This investigation is cryptographically anchored to the Solana blockchain (4 decisions). 7 of 7 cited source URLs have an Internet Archive snapshot.
model: claude-code-investigator
generated: 10/4/2026, 4:04:09 AM
last updated: 10/15/2026, 12:08:36 AM
12 viewsavoid.net — verified advice for a post-truth world