UR Partners with TopNod to Launch Co-Branded Mastercard, Bringing On-Chain Assets into Daily Spending
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UR Partners with TopNod to Launch Co-Branded Mastercard, Bringing On-Chain Assets into Daily Spending
Users can seamlessly manage fiat and digital assets within the TopNod app and directly convert and spend them.
Navigating Web3 tides with focused insightsThe next-generation non-custodial wallet TopNod and modular infrastructure provider UR today announced a formal partnership. The collaboration will introduce 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 both fiat and digital assets—and directly convert and spend them—within the TopNod app.
Through the TopNod wallet interface, users can leverage UR’s technology platform to convert on-chain yields from real-world assets (RWA) and other digital assets directly into spendable multi-currency fiat—including USD, EUR, CHF, and JPY. UR currently supports direct conversion of over 20 digital assets, including MNT, BTC, ETH, and SOL.
UR’s modular stack integrates directly into TopNod’s infrastructure, enabling users to access personal accounts, cards, and other features without ever leaving the TopNod app. This deep integration delivers native, low-cost financial services while preserving users’ familiar product experience.
Boundaryless Embedded Finance: One App, One Account, Self-Custodied Assets
UR’s unique modular financial infrastructure primitives power everyday spending convenience. Settlement occurs directly via UR’s smart contracts—eliminating intermediary custody layers and associated costs while preserving underlying transparency and self-custody.
Leveraging tokenization advantages—including smart contract–based automated verification for spending control and on-chain identity technologies that conceal personal data—UR’s infrastructure delivers the industry’s first fully on-chain API. Designed to support third-party providers across regulated jurisdictions, it enables compliant account and payment experiences. All assets are fully backed 1:1 and recorded on-chain, ensuring every transaction is transparent, traceable, and immutable.
The TopNod–UR partnership includes:
- Global Payments Support: Enabled by a co-branded Mastercard issued by SR Saphirstein AG (regulated by Switzerland’s Financial Market Supervisory Authority, FINMA). Eligible cards are issued under the “UR” brand.
- Fiat On/Off-Ramps: Convenient fiat on- and off-ramp channels for TopNod users in supported jurisdictions.
- 1:1 Conversion: USDC-to-USD conversion at a 1:1 ratio (zero withdrawal fees).
- Native Minting: Account assets minted directly into users’ TopNod wallets—enabling seamless integration of digital assets and fiat into daily life.
“As digital asset adoption grows and access improves, UR offers a secure, compliant pathway into the next phase of financial innovation. We’re thrilled to deliver convenient modular accounts, payment functionality, and transferable digital assets to TopNod users—while ensuring they retain full control over their funds,” said Ng Ying Zhong, Chief Product Officer at UR.
“Expanding TopNod’s service scope greatly benefits users who want to trade digital assets or fiat within a unified interface. Modern capital demands efficiency and transparency—not opaque intermediaries. By integrating UR’s transparent infrastructure, our users now hold on-chain accounts bearing their own names, enabling peer-to-peer transfers or spending via Mastercard. This is truly trustless flexibility for the digital age,” said Jacky Zhu, CEO of TopNod.
This partnership marks a major step toward bridging everyday spending with digital asset interaction. By driving compliant innovation in the new financial era, the UR–TopNod alliance is paving the way for mainstream digital asset adoption.
About TopNod
TopNod is a secure, minimalist self-custodial wallet. Leveraging key-sharding and Trusted Execution Environment (TEE) technology, TopNod delivers institutional-grade security without the complexity of managing intricate access codes. TopNod offers a “no-mnemonic” experience, making owning and transacting digital assets as simple as using mainstream internet applications. Through integrations with trusted third-party providers, TopNod grants users seamless access to multiple leading, highly liquid digital assets.
About UR
UR is a modular financial infrastructure technology platform built on public blockchains—with compliance at its core. UR connects individuals, enterprises, and applications to third-party providers, delivering the world’s first on-chain infrastructure for accounts, cards, and payments across supported jurisdictions. UR’s technology layer bridges compliant fiat rails with blockchain networks, enabling frictionless flow between digital assets and traditional currencies. UR is self-custodial, fast, and intuitive—transforming complex digital asset workflows into simple, everyday financial experiences.
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