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COMPANY detail
UR
the account layer for the open economy
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UR
Last Updated: Sep 6, 2026
Company Overview.
Year Founded
2025
Status
Private
Specialties
Payment Infra
Company Size
50-100 Employees
Industry
Financial Services
Active M arket
50+ Countries
Description.
UR is the account layer for wallets, developers, and financial platforms. The product and infrastructure are the same — Swiss IBAN, on-chain currencies (EUR, USD, CHF, CNH, SGD, JPY, HKD), SEPA, SWIFT, Mastercard, and full compliance.
Key Infrastructure.
Self-Sovereign
Self-Sovereign
Own your onchain identity.Your data, your rules, your control.
Composability
Composability
Modular financial components.Mix, match, and scale as your business grows.
Licensed & Compliant
Licensed & Compliant
Global regulatory standards.Fully audited KYC and AML controls builtin.
Neutral Technology
Neutral Technology
Trust in code.Transactions anchored on a transparent, auditable ledger.
Additional Features.
Zero Setup Fees
No initial costs to begin building on the UR infrastructure.
Zero Monthly Minimums
Partners are not burdened by fixed monthly volume requirements.
Fixed IC Sharing
Offers a transparent revenue share model of 10bps - 20bps fixed.
Same-Name IBAN
Unlike competitors who offer virtual accounts only, UR provides users with
an IBAN in their own name.
Rapid Deployment
Enables a "Live in 2-8 Weeks" timeline compared to the industry standard
of 6-12 months for crypto card providers.
Flexible Tenure
No long-term contract lock-ins, offering a flexible alternative to standard 1-4
year terms.
Partner Cards.
DISCLAIMER
For educational purposes only. TODEY is not a financial advisor. No-KYC rules vary by country — users must assess project risks and always do their own research.
TOPNOD CARD 
True self-custody
Multi-currency fiat
Spend directly from wallet
FINMA-supervised UR infrastructure
BITGET WALLET CARD
Self-custodial
Up to 3% assetback
No interest markup
0 opening fee & annual fee
THORWALLET CARD
Self-custodial
Swiss IBAN + SEPA
0% card top-up fees
Multicurrency: CHF, EUR, USD
TOKEN POCKET CARD
0.5%–1% crypto top-up fee
Non-custodial on-chain wallet
Non-custodial NFT-linked account
SAFEPAL CARD
Swiss IBAN
HYBRID model
1% FX fee on non-USD
SFP staking + point system
IMTOKEN CARD
Swiss IBAN
Non-custodial
Zero annual fee
No FX fee for same-currency
General Questions.
Partners can skip the multi-month build and integrate UR’s account layer and financial experience in 2-8 weeks.
Under the premium promotion, the KYC cost is $0 per user.
The platform supports EUR, CHF, USD, GBP, CNH, SGD, HKD, and JPY.
Funds are segregated per account holder—not pooled and not omnibus.
UR supports Apple Pay, Google Pay, Alipay, Wechat Pay, and Samsung Pay.