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What is UR?

UR is the Account Layer — the infrastructure that gives wallets, developers, and financial platforms the ability to offer real financial accounts.

A wallet stores value. An account lets you live financially.

Stablecoins moved $33 trillion in 2025. But the infrastructure to turn on-chain value into a real financial life — identity, compliance, fiat rails, card, multi-currency — doesn't exist inside wallets. Building it yourself means banking licenses, card issuing partnerships, and years of compliance work.

UR is the Account Layer. It gives wallets, developers, and financial platforms the ability to offer real financial accounts without building it themselves.

What your users get

When you integrate UR, your users receive:

  • Swiss IBAN — a personal bank account in their name

  • On-chain identity (URID) — a verified, portable identity issued to every user or business that has been KYCed or KYBed respectively

  • Tokenized deposit currencies — EUR, USD, CHF, CNH, SGD, JPY, HKD, each backed 1:1 by fiat reserves

  • Mastercard debit card — co-branded with your platform

  • Global bank transfers — SEPA Instant (EUR), SWIFT (multi-currency)

  • Crypto off-ramp — convert USDC, USDT, USDe, or ETH to fiat

  • FX conversion — atomic burn-and-mint between currencies

  • Yield — weekly yield on USDe balances

The stack

UR: The Account Layer is built in four layers, each on top of the last:

Layer
Traditional finance
UR: The Account Layer

Identity

KYC/KYB paperwork

URID, an on-chain identity issued after verification. Portable, programmable, and verifiable.

Money

Fiat held in bank accounts

Tokenized deposits on-chain, each unit backed 1:1 by real deposits. Seven currencies, all composable.

Rules

Compliance enforced by operations teams

Smart contracts. Core banking is code, not process.

Data

Records in siloed databases

Core banking and settlement is done on-chain. Transaction records are verifiable publicly.

Core concepts

  • URID — the on-chain identity that unlocks UR accounts

  • Tokenized deposits — 1:1 fiat-backed tokens on Mantle Network

  • UR Account — a Swiss bank account issued by UR's banking entity (Fiat24, FINMA-supervised), connected to a URID

  • On-chain ledger — every transaction recorded on Mantle Network

Platforms

NextQuickstart

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