UR is bringing its licensed account and card infrastructure to the Tempo Ecosystem. Stablecoins are becoming the default payment layer for a new generation of global and agentic financial products. Incumbents and a new class of builders are choosing Tempo as their onchain base layer, precisely because Tempo is purpose-built for real-world money movement with stablecoins at the core.
Book a DemoUR provides embedded account infrastructure for builders on Tempo
If you're building a neobank, digital wallet, or financial platform on Tempo, you can now embed UR's full account infrastructure through a single API and go live in weeks.
UR's core composable modules:
- Swiss IBANs: Named, segregated IBAN per end user — not pooled, not omnibus.
- Multicurrency Tokenized Deposits: Hold and convert across EUR, CHF, USD, SGD, HKD, JPY, CNH. Plus stablecoins and other digital assets in one unified wallet experience.
- Mastercard Debit Cards: Principal-issued branded virtual cards (no sponsor dependency) with Apple Pay, Google Pay, Samsung Pay, Alipay and WeChat Pay support; MCC, GEO, and velocity controls via API.
- Fiat Rails: SEPA, SWIFT, and Swiss SIC for inbound and outbound payments.
- Compliance: UR handles KYC, AML, sanctions screening, and tax reporting embedded for every account. UR is a registered trademark of SR Saphirstein AG, a regulated fintech operating under Article 1b of the Swiss Banking Act providing our clients with regulated products that interoperate with the global financial system.
- Digital Assets On-/Off-Ramp: USDC and other customized stablecoins to and from any of the seven supported fiat currencies, in-app, at competitive spreads.
- URID (Identity): Onchain identity issued after KYC.
Neobanks, wallets, and other fintech platforms on Tempo can move fiat across seven major currencies and stablecoins, seamlessly settled through UR's regulated infrastructure, without building or licensing payment rails or managing the banking and regulatory relationships on their own.
Bank Transfer Support (Pay In/Out) by currency:
| Currency | Pay In | Pay Out |
|---|---|---|
| USD | ✓ (whitelisted) | ✓ |
| EUR | ✓ | ✓ |
| CHF | ✓ | ✓ |
| SGD | — | ✓ |
| HKD | — | ✓ |
| JPY | — | — |
| CNH | — | — |
USD pay in is available to whitelisted partners. Reach out to the UR team for more details.
The end user experience
Fully branded and white-label experiences
UR's core features, from accounts to on-/off-ramps, are all supported as embeddable modules in Tempo ecosystem platforms. Teams building with UR maintain control over the brand and end user experience across all modules, seamlessly extending the features of existing platforms without challenging user trust with third-party branded features or user flows that require external apps.
Low cost, efficient, and accessible finance features
Each UR account is a single, named personal IBAN that holds tokenized fiat deposits alongside USDC and USDT in one balance, allowing seamless conversions and spending. There is no separate fiat account and crypto wallet. The account itself is multi-asset. In practice, this means users have access to a wide range of on and offchain financial features directly in Tempo ecosystem platforms including:
- Receiving a salary via SEPA
- Hold USDT from an onchain transfer alongside fiat, with no separate sub-account or bridging step
- Convert between any of the seven fiat currencies and stablecoins in-app at competitive spreads
- Spend fiat balance via Mastercard, with conversion handled at the point of sale
- Send funds out via SEPA, SWIFT, or SIC; or via onchain transfer to any external wallet
- Move money instantly and at zero cost to other UR accounts
Start building with UR
UR offers the fastest path to fully compliant and production-ready embedded digital asset, fiat accounts, and cards on Tempo.
Book a Demo