Partner integration flow concepts
Partner-facing concept overview. For API references and technical integration details, see docs.ur.app.
UR acts as the banking infrastructure layer for neobank partners. Partners integrate via a single REST API — UR handles KYC compliance, user account custody, and the underlying banking rails. Partners choose from a menu of modular services to build their product.
How partners integrate with UR
Partners connect to UR as a Banking-as-a-Service provider. UR sits between the partner's product and the global banking rails — managing identity, user accounts, and regulated financial services behind a clean API surface.
Modular services partners can enable:
Multi-currency fiat balance (EUR, USD, CHF, SGD, HKD, JPY)
Fiat Pay-in via bank transfer
Fiat Payout via bank transfer
Card spending via co-branded Mastercard debit
Reference docs:
Card spending: Buffer Pool Model
Suited for partners who hold significant crypto assets on behalf of their users — e.g. a crypto exchange or a neobank.
In this model, the partner pre-funds a fiat/USDC-based buffer pool held at UR. Card spending draws from this pool instantly — no per-user offramp is required at the moment of spend. The pool is replenished periodically by the partner, entirely invisible to end users.
Phase 1: Prefund (partner-initiated)
The partner periodically tops up their buffer pool at UR. UR maintains a minimum balance to ensure continuous card authorization capacity.
Phase 2: Card Spend (user-initiated)
When a user taps their card, UR routes the authorization and checks with the partner in real time. Upon approval, the spend is drawn from the buffer pool and routed through the user's linked card account.
User experience: Seamless; the user just taps and pays. No manual conversion step required.
Card spending: Off-ramp First
Suited for partners where users hold their own crypto in self-custody, external wallets or for users wanting to spend non-stablecoin assets.
In this model, users must first convert their crypto to fiat before spending. Once fiat lands in their UR account, the card draws from that balance. No partner-side buffer pool is required.
Step 1: Offramp (user-initiated)
The user converts crypto to fiat via the partner app. UR executes the conversion at a quoted rate and credits the user's UR fiat balance.
Step 2: Card spend
The user taps their card. UR authorizes against the available fiat balance.
User experience: Users need to convert before they can spend.
Reference docs:
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