What is UR?
UR is the financial infrastructure for the open economy. The UR Platform is the account layer that wallets, developers, and financial platforms build on.
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UR is the financial infrastructure for the open economy. The UR Platform is the account layer that wallets, developers, and financial platforms build on.
A wallet stores value. An account lets you live financially.
UR is the financial infrastructure for the open economy: manage and move stablecoins and fiat from a single account. The infrastructure to turn on-chain value into a real financial life (identity, compliance, fiat rails, card, multi-currency) does not exist inside wallets. Building it yourself means banking licenses, card issuing partnerships, and years of compliance work.
The UR Platform is the account layer. It gives wallets, developers, and financial platforms the ability to offer real accounts through one integration, without building the infrastructure themselves.
When you integrate UR, your users receive:
Swiss IBAN — a personal Swiss IBAN 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
The account layer is built in four layers, each on top of the last:
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.
URID — the on-chain identity that unlocks UR accounts
Tokenized deposits — 1:1 fiat-backed tokens on Mantle Network
UR Account — a Swiss IBAN account issued by UR's regulated entity, connected to a URID
On-chain ledger — every transaction recorded on Mantle Network
Web app: get.ur.app
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