At uLink, we believe that financial services should be borderless, just like the connections that matter the most to our customers.
We started with a single goal in mind: To help immigrants send money back home to their families through secure remittances. Over time, that vision has expanded into something much, much larger and much, much more powerful.
Today, the uLink SuperApp is our promise to offer immigrants all the tools they need to thrive in the United States, while maintaining strong connections with loved ones in their home countries.
The evolution of our products is the result of many years of carefully listening to our customers and understanding their unique needs and challenges. From straightforward remittance services to the full-featured SuperApp, our journey has been guided by a deep understanding of these connections and how technology can strengthen them.
While there’s so much more to come, let’s go back and see what we’ve accomplished so far.
Beginnings: The First uLink App
For the nearly 48 million immigrants living in the United States, it’s critical to maintain connections to family abroad—and many of them need to provide tangible support that crosses international boundaries.
That’s why uLink began with a clear mission: Provide quality remittances that act as a bridge between immigrants and their families in their home countries. Guided by our values of innovation, integrity, teamwork, excellence, and people-first thinking, we set out to create something truly impactful.
As a brand of UniTeller, a subsidiary of Grupo Financiero Banorte (one of Mexico’s largest and most trusted financial institutions), uLink was inherently built on a foundation of security and reliability. This instilled the confidence that our customers’ money would reach its destination safely and efficiently.
From Remittances to Bill Paying
The first iteration of the uLink app focused solely on addressing the most fundamental need: Secure, affordable remittances. We created a streamlined platform where customers could send money internationally with competitive exchange rates and transparent fees.
Our priority was ensuring that hard-earned money reached its destination quickly and with maximum value preserved.
As we listened to our customers, we discovered that they needed more than just money transfer services—and we could deliver.
Many wanted to directly support specific expenses for their families back home. This insight led to our first significant enhancement: The ability to pay bills directly from the U.S. to service providers in Mexico. This feature eliminated unnecessary steps and gave customers more control over how their support was utilized.
Adding Mobile Phone Reloading
The next iteration came when we added phone reload capabilities to complement our remittances offerings.
This allowed users to directly fund mobile services for family members across multiple countries, including Mexico, Guatemala, El Salvador, Chile, Colombia, Honduras, Nicaragua, Dominican Republic, and Ecuador. For many families, mobile connectivity represents a crucial lifeline for maintaining relationships across borders.
Each addition to the original app reflected our commitment to truly understanding immigrant experiences and addressing real needs. Rather than simply transferring money, we were creating tools that maintained and strengthened family bonds despite geographic separation.
Key Features of the uLink SuperApp
The evolution towards our uLink SuperApp was the obvious way forward: A single, integrated platform that offers remittances and so much more.
By carefully listening to our users, we’ve created a unified system that eliminates the need to juggle multiple financial applications.
The SuperApp goes beyond convenience.
It represents a pathway to financial empowerment for immigrants who often face barriers with traditional banking services. We’ve balanced innovation with accessibility, ensuring advanced functionality remains approachable for all users, regardless of their technical comfort level.
Each feature serves our central purpose: Maintaining and strengthening family connections across borders through seamless remittances and financial support.
Let’s explore the key capabilities that make the uLink SuperApp a comprehensive solution for immigrant families.
E-Wallet: Enhancing the Remittance Experience
At the core of the uLink SuperApp is our innovative e-wallet, which transforms how our users manage their remittances both domestically and internationally. This secure digital account serves as the foundation for a comprehensive financial experience.
The uLink e-wallet offers exceptional versatility, allowing users to load funds through multiple methods and store them securely for future use. Once funds are in your wallet, you can enjoy preferred exchange rates when sending money internationally, maximizing the value that reaches your loved ones.
What makes our digital wallet particularly valuable is its dual functionality.
Beyond international transfers, users can send money domestically within the United States and request money from contacts, similar to popular peer-to-peer payment platforms that have become essential in our digital economy.
We’ve designed the e-wallet with simplicity in mind, creating intuitive processes for every function.
For example, adding money to your wallet takes just seconds, with multiple funding options available. Our step-by-step tutorials and visual guides ensure that even users with limited technical experience can confidently manage their remittances through the app.
For many in immigrant communities who may have limited access to traditional banking, the e-wallet serves as a secure alternative for managing remittances. It reduces reliance on cash, provides a digital record of transactions, and offers greater security than physical money.
The true power of our e-wallet lies in its seamless integration with our other services. Funds in your wallet can instantly be used for international transfers, bill payments, or phone reloads with minimal steps. This integration creates a fluid experience where your money is always accessible for whatever needs arise, whether at home or across borders.
Our e-wallet reflects uLink’s commitment to financial inclusion, providing a reliable remittance tool regardless of banking status. It combines the convenience of modern digital payments with the cross-border capabilities that immigrant families need to stay connected.
User Experience: Making Remittances Simple and Accessible
The SuperApp is built around a thoughtful design that prioritizes user needs. And creating an exceptional user experience involves more than simply following trends. We’ve worked hard to understand how people actually interact with technology in their daily lives.
Drawing from established research on mobile usability principles, we’ve built every aspect of the SuperApp to be intuitive, accessible, and genuinely helpful. We recognize that for many immigrants, financial apps represent more than convenient tools, but a critical lifeline to loved ones abroad.
Our design approach begins with reducing cognitive load.
As experts in mobile UX design emphasize, each additional step creates friction that can frustrate users and impede adoption. We’ve streamlined common tasks like sending money home or paying bills to require minimal taps, with clear guidance at each step.
The SuperApp features a customizable dashboard that adapts to individual remittance usage patterns. This personalization ensures that any user’s most frequent actions are always readily accessible, eliminating unnecessary navigation and making the app feel tailored to each user’s specific needs.
Visual customization extends beyond mere aesthetics. Selecting changeable skins allows users to make the app their own, creating a more personal and engaging experience. This level of personalization helps build the emotional connection that transforms a useful tool into an essential part of daily life.
The SuperApp design has allowed us to easily incorporate seasonal promotions and flash sales that appear throughout the year. These moments go beyond functionality to create positive emotional associations with the app. Our frequent zero-fee promotions similarly provide both practical value and emotional satisfaction.
Accessibility remains central to our design philosophy for remittances. We’ve incorporated high-contrast options, adjustable text sizes, and touch targets optimized for users of all ages and abilities. These considerations ensure the app works well for everyone, regardless of technical comfort or physical limitations.
Perhaps most importantly, we’ve designed the entire experience with cultural sensitivity in mind. The SuperApp speaks to users in their preferred language, respects cultural nuances in financial transactions, and acknowledges the unique concerns of immigrant communities.
Through continuous testing and refinement with actual users, we’ve created a remittance experience that feels intuitive and natural.
After all, the best user experience is one that fades into the background, allowing people to focus on what matters most—staying connected to and supporting loved ones, wherever they may be.
Loyalty Program: Rewarding Remittances Customers
The uLink SuperApp extends beyond functional financial tools to incorporate elements that recognize and reward customer loyalty.
Our comprehensive loyalty rewards program transforms every transaction into an opportunity to earn benefits, creating additional value with each use.
The program operates on a straightforward principle: Earn stars with every money transfer you complete through the app. These stars accumulate in your account automatically, requiring no additional steps or enrollment processes. The seamless integration means you’re building rewards even when focused solely on supporting your loved ones through remittances.
The star system offers multiple earning opportunities, with different transfer amounts yielding proportional rewards. Larger transfers naturally earn more stars, but even modest, regular transactions build meaningful rewards over time. This structure ensures the program benefits all our users, regardless of their transfer patterns or financial circumstances.
What makes our loyalty program particularly valuable for remittances is its flexibility. Once accumulated, stars can be redeemed for cash back deposited directly into users’ e-wallets. This cashback becomes immediately available for any service within the app, whether sending another transfer, paying bills abroad, or reloading a family member’s phone.
Beyond the tangible financial benefits, our loyalty program serves as an acknowledgment of the ongoing trust our customers place in our remittance services. Each star represents not just a transaction, but a moment of connection between family members separated by distance and united through support.
Through this thoughtfully designed program, we’re able to thank our loyal remittances customers while creating additional value that stretches their hard-earned money further. It’s one more way the SuperApp works to strengthen connections between immigrant families, no matter the distance between them.
Our Social Commitment Beyond Remittances
At uLink, we believe that true connection extends beyond digital remittance services, into the communities where our customers live and work.
Our commitment to social responsibility is woven into every aspect of our business, reflecting our understanding that financial services must support human connections, not just transactions.
Connected to Our Communities
Our community engagement initiatives reflect our belief that immigrant communities deserve support both in their adopted homes and in their countries of origin, where remittances flow from and to.
Through the uLink Cares Program, we’ve created a rapid response system that activates when natural disasters or other emergencies affect our customers’ home communities.
When these events occur, we act quickly to launch zero-fee promotions specifically for affected regions. This immediate response ensures that when support is most critical, more money reaches families dealing with challenging circumstances.
Whether it’s earthquakes, hurricanes, or other crises, we understand that these are the moments when financial connections through remittances matter most.
Supporting Education and Future Generations
Education represents the foundation of opportunity for immigrant families who often support schools through remittances.
That’s why we’ve focused our community outreach on supporting elementary schools in areas with significant immigrant populations. Our initiatives include providing essential school supplies to students who might otherwise go without these basic learning tools.
These educational initiatives represent our investment in the next generation of community leaders. By supporting young students today, we’re helping build stronger communities for tomorrow.
Resources Beyond Financial Services
We recognize that immigrant experiences encompass far more than remittance needs.
That’s why we’ve created comprehensive educational resources through the uLink blog, where we provide valuable information on topics ranging from immigration policies to cultural celebrations to financial literacy.
These resources help immigrant families navigate life in the United States while maintaining connections to their cultural heritage through remittances. Our articles offer practical guidance on everything from celebrating traditions across borders to understanding complex financial concepts in accessible language.
By providing these resources, we extend our support beyond financial services to address the holistic needs of immigrant communities. We understand that empowerment comes through knowledge, and we’re committed to sharing information that helps our customers thrive in all aspects of their lives.
Our social commitment isn’t separate from our business. It’s integral to who we are as a company.
As we continue to evolve our SuperApp, we remain equally dedicated to developing our community initiatives, ensuring that uLink serves as both a technological remittance tool and a community resource for immigrant families seeking to maintain meaningful connections across borders.
Looking Forward: The Future of uLink
The journey from our first remittances app to today’s comprehensive SuperApp reflects our unwavering dedication to supporting immigrant communities through technology.
While we’re proud of what we’ve built in the remittances space, we view the current SuperApp as our current launching pad for an ongoing evolution.
At uLink, innovation is driven by a simple question: “How can we better serve our customers?” This customer-first mindset guides our development roadmap as we explore new opportunities to expand our services, enhance user experience, and strengthen our community impact.
The future of uLink remittances will be shaped by emerging technologies that make financial connections even more seamless and secure.
We’re continuously researching ways to reduce transfer times, lower costs, and increase accessibility for users of all technical backgrounds. Our goal remains consistent: Ensuring that more of our customers’ hard-earned money reaches their loved ones.
We’re also committed to expanding our community initiatives, building on the foundation of our educational support programs and emergency response systems. These efforts reflect our understanding that our responsibility extends beyond digital services to the real-world communities where our customers live and work.
As we move forward, we invite our remittance customers to grow with us. Your feedback shapes our priorities and helps us identify opportunities for improvement. Together, we’re building more than just a financial app. We’re creating a platform that honors the connections that matter most.
The uLink SuperApp represents our promise to immigrant communities: We will continue evolving, adapting, and improving our remittance services to meet your changing needs.
Because we understand that when you send money home, you’re sending so much more than currency. You’re sending your care, your support, and your connection to the people who matter most.
Download the uLink SuperApp today and discover a better way to stay connected with your loved ones, no matter the distance between you.
