Universal Money Address (UMA) is a cutting-edge, open-source standard that makes sending and receiving money as easy as sending an email. Built on the Bitcoin Lightning Network, UMA utilizes human-readable addresses (e.g., $username@domain.com) to streamline the process of transferring any currency—be it fiat, crypto, or stablecoins—between different banks, wallets, or exchanges​.

By leveraging the Lightning Network's speed and cost-efficiency, UMA offers near-instant, low-cost transactions globally. This allows users to send and receive funds in any currency they choose, making cross-border payments simple, accessible, and reliable. UMA also integrates regulatory compliance features such as KYC and AML, ensuring that the platform is secure and compliant.