fintok
Display currency only. EUR values are estimates converted from RSD. Orders, bank transfers, payouts, and contractual amounts remain in RSD; token balances remain in FTK.
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Help & support

Answers to common questions, plus how to reach us if you need help.

Contact us

Have a question about your account, an investment, or a payment? Email us and we will get back to you.

Support email: support@umte.ch

We usually respond within one business day.

Frequently asked questions

What am I investing in?
You are buying tokenised corporate bonds — digital tokens that represent a fixed-term, fixed-rate bond issued by the issuer. At maturity your principal is returned and interest is paid to your bank account.
How do I get started?
Sign in with your email, connect your self-custodial wallet, complete identity verification, and accept the required disclosures. Once your identity is verified you can invest.
How do I pay for an investment?
Payments are made by bank transfer in Serbian dinars (RSD) using the reference number shown on your order. After we confirm your payment, the corresponding tokens are transferred to your wallet.
When do I receive interest?
It depends on the product. Some bonds pay periodic coupons to your bank account before maturity; others pay all interest at maturity. Either way your principal is returned at maturity, and you will receive an email at each payout.
Who controls my wallet and keys?
You do. Your wallet is self-custodial — private keys and your recovery phrase stay in your browser and are never sent to us in a form we can read. We can never move your tokens without you signing.
What are the risks?
Tokenised bonds carry risk, including partial or total loss of your investment. Returns are not guaranteed, and these tokens are not covered by deposit insurance. Please read the disclosures and terms before investing.

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