> For the complete documentation index, see [llms.txt](https://docs.ur.app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ur.app/welcome/what-is-ur.md).

# What is UR?

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**](/concepts/urid.md)**)** — a verified, portable identity issued to every user or business that has been KYCed or KYBed respectively
* [**Tokenized deposit**](/concepts/tokenized-deposits.md) **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](/concepts/urid.md) — the on-chain identity that unlocks UR accounts
* [Tokenized deposits](/concepts/tokenized-deposits.md) — 1:1 fiat-backed tokens on Mantle Network
* [UR Account](/concepts/ur-account.md) — a Swiss bank account issued by UR's banking entity (Fiat24, FINMA-supervised), connected to a URID
* [On-chain ledger](/concepts/on-chain-ledger.md) — every transaction recorded on Mantle Network

## Platforms

* Web app: [get.ur.app](https://get.ur.app)
* [iOS App Store](https://apps.apple.com/app/ur-fiat-crypto-unified/id6748420070)
* [Google Play](https://play.google.com/store/apps/details?id=com.mantle.ur)


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