uetr.ai

What uetr.ai does

uetr.ai is a privately held software service that tracks international SWIFT wire transfers via their Unique End-to-end Transaction Reference (UETR). The product operates as a read-only metadata layer, querying publicly available SWIFT gpi tracker endpoints used by major banks and presenting transfer status in a plain-English timeline with translations of raw codes such as ACSP, ACWC, PDNG, and RJCT. The service targets individuals and SMBs who have sent or are expecting cross-border wires, as well as corporate treasury, finance, and compliance teams needing visibility beyond a single bank's portal.

The offering consists of a free UETR lookup tool and a paid monthly subscription for continuous 24/7 monitoring with email alerts on status changes. Underlying technology is a browser-based application requiring no installation, with magic-link authentication and Stripe-processed billing under a merchant-of-record arrangement that offloads tax, fraud, and chargeback handling. The company publishes extensive educational content including 12 bank-specific tracker guides covering HSBC, JP Morgan, Citi, Bank of America, Wells Fargo, Deutsche Bank, BNP Paribas, Barclays, NatWest, Lloyds, Santander, and Standard Chartered.

uetr.ai is operated by Sempre Relevante - Unipessoal Lda, a Portuguese limited company headquartered in Évora with 25,000 EUR share capital. The company is independently owned with no parent company, no disclosed venture backing, and no SWIFT membership or banking licenses — a deliberate choice to remain a read-only information service. Revenue mechanics rely on a freemium-to-subscription funnel distributed globally across six continents under a GDPR-compliant data posture. The company claims USD 820M+ in SWIFT transfers tracked, but no customer logos, headcount, revenue figures, or funding rounds are publicly disclosed.

Name

uetr.ai

Legal name

Sempre Relevante - Unipessoal Lda

Website

https://uetr.ai

Company type

Private

Founded year

2026

Operating status

Operating

Short description

uetr.ai is a privately held, browser-based service that translates public SWIFT gpi tracker data into plain-English wire transfer status using the UETR, serving individual wire senders and corporate treasury teams via a freemium-to-subscription model across six continents.

Ownership category

akta.pro rank

Product category

Cross-border Payment Tracking

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH)

akta.pro secondary industries

International Wire Transfer Processing (SWIFT/Correspondent Banking) (FSAMAHAB), Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments) (FSAMAHAD)

Keywords

• SWIFT transfer tracking
• UETR lookup tool
• Wire transfer monitoring
• Payment status codes
• Correspondent banking visibility

Headquarters

HQ city

Évora

HQ country

Portugal

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Paid Monitoring Subscription: Monthly subscription plans for continuous UETR monitoring with email alerts. Processed through Stripe as merchant of record. Includes 30-day money-back guarantee on all paid purchases.
2. Free Tier / Freemium: Free preview lookup showing available high-level status before deciding whether to subscribe for ongoing monitoring. No login or signup required for initial lookup.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

uetr.ai operates a browser-based, read-only SWIFT UETR tracker that accepts a 36-character UETR along with payment amount, currency, and date to query public SWIFT gpi tracker sources and present the latest transfer status in a plain-English timeline. A free tier provides a one-time status preview with email alerts when the status moves, while a paid monthly subscription adds continuous 24/7 monitoring with status-change notifications.

Product overview

uetr.ai is a single-purpose read-only information service for tracking international SWIFT wire transfers by UETR (Unique End-to-end Transaction Reference). The offering consists of a free UETR Tracker that provides an initial lookup and one-time status preview at no cost, paired with a paid Monitor Plan (monthly subscription) that enables continuous 24/7 tracking with email alerts when status changes. Both tiers operate identically at the lookup layer — querying public SWIFT gpi tracker endpoints using the 36-character UETR plus payment amount, currency, and date — but differ in monitoring duration and alert cadence. The company also publishes dedicated tracker guide pages for 12 major global banks (Deutsche Bank, Citibank, HSBC, Bank of America, JP Morgan Chase, Wells Fargo, Standard Chartered, BNP Paribas, Barclays, NatWest, Lloyds Bank, Santander) that walk users through locating their UETR within each bank's online banking platform. All lookups are strictly read-only; uetr.ai never requests bank credentials and does not move, hold, or process funds.

Differentiator

Problem solved

Functional benefit

Products and services

• UETR Tracker (Free)

Quantifiable outcome

• USD 820M+ in SWIFT transfers tracked between 6 continents

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature3 records

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Broad incumbents

• Revolut: Digital bank offering international transfers with in-app status tracking for its own rails. Comparable consumer use case but end-to-end vertically integrated rather than read-only over SWIFT gpi.
• OFX: Cross-border payment provider for individuals and businesses with status tracking across its own payment rails. Comparable consumer use case (waiting on an international wire), though it moves the funds itself rather than reading public trackers.
• Payoneer: Cross-border payouts platform for SMBs and freelancers with payment status and tracking on its own rails. Comparable audience (cross-border business receivers) but moves money rather than serving as a metadata layer.
• MoneyGram: Global money-transfer operator with consumer-facing transfer status. Solves an overlapping pain (visibility into a pending international transfer) for the same sender/recipient personas, but originates the transfer itself.
• XE Money Transfer: Currency and international money-transfer service with tracking on its own corridors. Comparable user problem (where is my international wire), but execution differs because XE originates the payment rather than reading public gpi data.
• Remitly: Cross-border remittance provider with built-in transfer status/tracking for its own corridors. Comparable as a customer-facing wire tracker, though it owns the payment itself and is not a third-party UETR wrapper.
• Western Union: Global money-transfer incumbent with consumer-facing transfer tracking. Overlaps with uetr.ai on visibility into international wires, though it is the originating/beneficiary institution and not a metadata layer over SWIFT gpi.
• WorldRemit: International remittance platform offering transfer status and tracking to its senders/recipients. Targets a similar end-user waiting on a cross-border transfer; differs in owning the underlying payment.
• Wise: Consumer and SMB cross-border payments platform that provides native end-to-end transfer tracking for its own rails. Operates as the bank-agnostic mover of funds rather than a metadata-only tracker, but solves overlapping user pain.

Direct peers

• SWIFT gpi Tracker: SWIFT's official Global Payments Innovation (gpi) tracker that exposes the same UETR-keyed payment status uetr.ai surfaces, but only to participating banks and their corporate customers. It is the canonical source of the data uetr.ai wraps.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/uetrai

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about uetr.ai