UR: Your Go-To Unified Account

UR delivers a secure, all-in-one account for users to manage digital assets, stablecoins and fiat across FX, payments, spending and more. It's built on regulated DLT infrastructure and designed around modular money movement — giving you flexible control and seamless real-world use across borders.

Whether you're shopping online, sending money across borders or just need a bank account to manage your funds, UR gives you everything you need to move your money confidently in one unified app.

Stablecoin to Fiat, Simplified
- Convert USDC, USDT or other digital assets to fiat with just a few taps
- Receive funds into a named IBAN, issued through supported account infrastructure
- No exchanges involved; just tap, convert, and use

A New Standard for Banking
- Fiat balances held in customer-named accounts; digital identity information is stored, verified and managed securely on a blockchain
- Built for trust and speed, with on-chain execution and off-chain settlement
- Use stablecoins for real-world transfers and daily payments

Spend Your Assets Anywhere
- Instantly activate a virtual card and connect to Apple Pay, Google Pay, Samsung Pay, Alipay or WeChat Pay
- Pay with your UR Mastercard, online or in-store
- Accepted worldwide with millions of merchants

Global Infrastructure Powered by Blockchain
- Personal IBANs with access to EUR, USD, CHF, and more
- Send or receive fiat via SEPA or SWIFT
- Seamless onboarding with fast identity verification (KYC)

Total Control & Real-Time Tracking
- Freeze cards and get instant transaction alerts
- Monitor your transaction activity in real time
- No hidden mechanics: full transparency at every step

For Builders
- Provide your users with the flexibility of a fully regulated bank account
- Use UR’s modular account APIs to integrate KYC, ledgering and settlement
- Delivering composable banking primitives to suit your needs; UR handles the infrastructure behind the scenes

Disclaimer: Features are subject to KYC and regional availability. Check out the full list of supported countries and services.