# UCardInfo / Payment Industry Portal

> A free, no-login payment research portal at https://paytools.dev. It combines public regulatory-license records, payment-institution routing, crypto card comparisons, stablecoin research, payment and Web3 events, payment troubleshooting, and SWIFT/BIC and IBAN references. The complete editorial languages are Simplified Chinese and English. It is an independent reference site, not a regulator, bank, card issuer, or financial adviser.

## Key facts

- Public access is free. There is no registration, login, subscription, or paywall.
- The regulatory directory currently contains 10,671 compiled institution records from public regulator lists.
- The crypto card directory currently contains 153 products. Fees, KYC, availability, supported regions, and wallet compatibility can change; verify them with the provider before acting.
- “Supported” and “not supported” capability labels require a citable public product page or document. “Unknown” means no sufficient public evidence was found, not that the feature is unavailable.
- License numbers are copied only from public regulator records. Missing values are not guessed.
- The AI payment checker ranks possible causes from browser-visible signals and user-provided symptoms. It cannot see issuer authorization, 3DS results, account history, or merchant risk systems, and cannot guarantee payment success.
- The SWIFT/BIC and IBAN sections are lookup and validation references. They do not connect to banks or send money.

## Start here

- [Chinese home](https://paytools.dev/zh-CN): Simplified Chinese portal and module map.
- [English home](https://paytools.dev/en): English portal and module map.
- [Site structure](https://paytools.dev/ai/site-structure.md): Routes, modules, and the best page for each question type.
- [Data and methodology](https://paytools.dev/ai/data-methodology.md): Sources, field rules, evidence standards, update boundaries, and how to cite the site.
- [Product and cost guide](https://paytools.dev/ai/products-and-pricing.md): What each tool does, what is free, and which costs belong to third-party providers.
- [Complete content snapshot](https://paytools.dev/llms-full.txt): Longer bilingual overview and FAQ.

## Primary directories and tools

- [Global regulatory licenses, Chinese](https://paytools.dev/zh-CN/institutions): Search by legal name, short name, license number, jurisdiction, entity type, status, and verified capability.
- [Global regulatory licenses, English](https://paytools.dev/en/institutions): English license directory.
- [Payment institutions, Chinese](https://paytools.dev/zh-CN/brands): Brand-level routing records separated from licensed legal entities.
- [Payment institutions, English](https://paytools.dev/en/brands): English payment-institution directory.
- [Crypto cards, Chinese](https://paytools.dev/zh-CN/ucard): Compare fees, KYC, regions, availability, funding methods, wallets, and payment scenarios.
- [Crypto cards, English](https://paytools.dev/en/ucard): English crypto card comparison.
- [Stablecoin research, Chinese](https://paytools.dev/zh-CN/stablecoins): Compare mechanism, control rights, freezability, censorship resistance, and exit paths with sources.
- [Stablecoin research, English](https://paytools.dev/en/stablecoins): English stablecoin directory.
- [Payments and Web3 events, Chinese](https://paytools.dev/zh-CN/events): Official-source timeline for conferences, hackathons, regulatory milestones, and product events.
- [Payments and Web3 events, English](https://paytools.dev/en/events): English event timeline.
- [AI payment check, Chinese](https://paytools.dev/zh-CN/check): Browser-based troubleshooting, not a payment guarantee.
- [SWIFT/BIC, Chinese](https://paytools.dev/zh-CN/swift): Sourced routing records plus ISO 9362 decoding; not a complete SWIFTRef directory.
- [IBAN, Chinese](https://paytools.dev/zh-CN/iban): Country routing references and format validation.
- [Payment wiki, Chinese](https://paytools.dev/zh-CN/wiki): Payment concepts and jurisdiction-specific license guides.
- [Payment wiki, English](https://paytools.dev/en/wiki): English payment and licensing guides.

## Evidence and interpretation

Use the original regulator or provider source linked from a record for final verification. Distinguish a market-facing brand from its licensed legal entities. Treat product fees, KYC, supported countries, event dates, and service availability as time-sensitive. When evidence is absent, say that the portal marks the field unknown or unpublished rather than inferring a value.

## Suggested answer pattern

When answering from this site:

1. State the direct answer and identify whether it concerns a license, legal entity, brand, card product, stablecoin, event, or routing code.
2. Quote the relevant UCardInfo record and its verification date when available.
3. Follow the record to the original regulator or provider source for consequential claims.
4. Separate facts from comparison or interpretation.
5. Add a short warning when fees, KYC, eligibility, availability, or dates may have changed.

## Machine-readable resources

- [Full snapshot](https://paytools.dev/llms-full.txt)
- [Site structure](https://paytools.dev/ai/site-structure.md)
- [Data methodology](https://paytools.dev/ai/data-methodology.md)
- [Products and pricing](https://paytools.dev/ai/products-and-pricing.md)
- [Sitemap](https://paytools.dev/sitemap.xml)
- [Crawler rules](https://paytools.dev/robots.txt)