UR Partners with TopNod: Launching Co-branded Mastercard to Bring On-chain Assets into Daily Spending
- Core Insight: Non-custodial wallet TopNod has partnered with infrastructure provider UR. By integrating a co-branded Mastercard and on-chain accounts, the collaboration aims to provide users with a compliant solution for seamlessly managing, converting, and directly spending digital assets for everyday purchases within a single application.
- Key Elements:
- The core of the partnership is the launch of a co-branded Mastercard and integrated accounts, allowing users to directly manage and spend fiat currency converted from on-chain yields, such as those from RWA, within the TopNod App.
- UR's modular technology stack is deeply integrated to provide native financial services, with settlements executed via smart contracts, emphasizing self-custody, transparency, and low costs.
- It supports the conversion of over 20 digital assets (e.g., BTC, ETH) into multiple fiat currencies (USD, EUR, etc.) and enables 1:1 zero-fee conversion between USDC and USD.
- The card is issued by SR Saphirstein AG, which is regulated by the Swiss FINMA, with the partnership emphasizing compliance within supported jurisdictions.
- Both parties believe this collaboration, by simplifying processes and removing opaque intermediaries, is a key step in advancing digital assets towards mainstream daily application.
March 31, 2026 — Next-generation non-custodial wallet TopNod and modular infrastructure provider UR today announced an official partnership. The two parties will launch a compliant co-branded Mastercard and integrated secure user accounts for TopNod's user base. By combining UR's technical platform capabilities with TopNod's intuitive user interface, users can seamlessly manage fiat and digital assets within the TopNod App, directly converting and spending them.
Through the TopNod wallet interface, users can leverage UR's technical platform to directly convert on-chain yields from real-world assets (RWA) and other digital assets into spendable multi-currency fiat — including US Dollars (USD), Euros (EUR), Swiss Francs (CHF), and Japanese Yen (JPY), among others. Currently, UR supports direct conversion for over 20 digital assets including MNT, BTC, ETH, and SOL.
UR's modular stack can be directly integrated into TopNod's infrastructure, allowing users to access personal accounts, cards, and other features without leaving the TopNod App. This deep integration provides native, low-cost financial services while preserving the familiar product experience for users.
Borderless Embedded Finance: Single App, Single Account, Self-Custody of Assets
UR's unique modular financial infrastructure primitive technology underpins the convenience for everyday spending. Settlement occurs directly through UR's smart contracts, which means intermediary custody layers and additional costs are removed while maintaining underlying transparency and self-custody characteristics.
Benefiting from the advantages of tokenization technology (including smart contract automated verification for spending management and on-chain identity technology that masks personal data), UR's infrastructure has achieved the first fully on-chain API, designed to deliver compliant account and payment experiences through third-party providers in supported jurisdictions. Assets are fully collateralized 1:1 and recorded on the blockchain, ensuring all transactions are transparent, traceable, and immutable.
The partnership between TopNod and UR includes:
- Global Payment Support: Global payments enabled via a co-branded Mastercard issued by SR Saphirstein AG (regulated by the Swiss Financial Market Supervisory Authority FINMA). The card is issued under the "UR" trademark, subject to eligibility.
- On/Off-Ramp Services: Providing convenient on-ramp and off-ramp channels for TopNod users in supported jurisdictions.
- 1:1 Conversion: Supports 1:1 conversion between USDC and USD (with zero withdrawal fees).
- Native Minting: Account assets are directly minted to the user's TopNod wallet, enabling seamless integration of digital assets and fiat currency in daily life.
"As digital assets gain wider adoption and access improves, UR provides a secure, compliant way to participate in the next phase of financial innovation. We are excited to offer TopNod users convenient modular accounts, payment functions, and transferable digital assets, while allowing them to retain full control over their personal funds," said Ng Ying Zhong, Chief Product Officer of UR.
Jacky Zhu, CEO of TopNod, stated: "The expansion of TopNod's service scope will greatly benefit users who wish to transact in digital assets or fiat within a unified interface. Modern capital seeks efficiency and transparency, not opaque intermediaries. By integrating UR's transparent infrastructure, our users now have an on-chain account in their name, allowing them to transfer directly to peers or spend via Mastercard. This is truly trustless flexibility for the digital age."
This collaboration marks a significant step in bridging everyday spending with digital asset interaction. By promoting compliant innovation in the new financial era, the partnership between UR and TopNod is leading digital assets towards mainstream adoption.
About TopNod
TopNod is a self-custodial wallet that balances security and simplicity. Utilizing key sharding and TEE technology, TopNod provides institutional-grade security while eliminating the hassle of managing complex access codes. TopNod offers a "seedless" experience, making owning and trading digital assets as simple as using mainstream internet applications. Through integration with trusted third-party providers, TopNod provides users with seamless access to a variety of mainstream, highly liquid digital assets.
About UR
UR is a modular financial infrastructure technology platform built on public blockchains, with compliance at its core. By connecting individuals, enterprise users, and applications to third-party providers, UR delivers the world's first on-chain infrastructure for accounts, cards, and payment functions in supported jurisdictions. The technology layer provided by UR bridges compliant fiat channels with blockchain networks, enabling seamless flow between digital assets and traditional currencies. UR is self-custodial, fast, and intuitive, transforming complex digital asset workflows into simple, everyday financial experiences.
