Key Idea: UTLH is a utility token of the BEP-20 standard on Binance Smart Chain with a strictly limited supply of 957,315 tokens. It serves two core functions:
collateral asset in the Universal Financial Assistance (UFA) program;
source of passive income through fixed staking at 24% annual interest.
Below are all confirmed facts about the token—no speculation or assumptions.
Burning (Burn Mechanism)
A portion of UFA fees and penalties for early staking withdrawals is automatically burned.
As of now*, blockchain records confirm a 5% reduction in circulating supply (based on public Burn events on BscScan).
*This figure reflects actual on-chain burn transactions.
Important: The team or fund holds no tokens for sale—the entire supply is allocated to the specified purposes.
What is it?
A closed preferential lending program for UTL Club residents. Participants lock UTLH as collateral and receive:
funds (fiat or stablecoins) for any purpose;
interest rates lower than traditional banks, as UTLH can be liquidated quickly if needed.
Token’s Role
Collateral is locked in the UFA smart contract for the loan term; upon repayment, UTLH is unlocked. While locked, tokens are removed from circulation, creating scarcity.
Staking does not involve additional "reward" tokens—payouts are made in the same asset deposited. Early withdrawals incur penalties.
Audited Code: Contracts are published on BscScan and verified by external auditors (audit firms named in official reports).
Binance Smart Chain: A Proof-of-Staked Authority network ensures fast transactions and low fees.
Multi-sig & Timelock: Administrative actions require multi-signature approval and delays, allowing community oversight.
Public holders (BscScan): 10,930+ addresses.
UTL Club residents using the token: 160,000+ (per UTL Club data).
UFA loans issued: Hundreds of cases, with collateral transactions visible on-chain.
UTLH is not a speculative "memecoin" but a utility asset with clear functions:
Collateral for preferential loans.
Passive income tool with a fixed staking rate.
A scarce, deflationary token protected from supply dilution.
With its transparent smart contract, clear tokenomics, and real-world adoption, UTLH combines three rare crypto-market traits: utility, predictability, and supply scarcity. This makes it valuable for long-term holders and those seeking practical financial tools (loans, savings).