How do businesses integrate UR's payout solution?

Businesses interested in implementing UR's payout infrastructure should contact UR directly to discuss enterprise integration options. The specific implementation depends on payout volume, geographic distribution, compliance requirements, and existing system integration needs.

What compliance requirements does UR handle for business payouts?

UR operates with appropriate financial licensing and maintains KYC/AML compliance frameworks. The platform handles regulatory requirements for stablecoin-to-fiat conversions and multi-currency operations, reducing compliance burden on businesses using the infrastructure.

How do recipients access funds sent via stablecoin infrastructure?

Recipients receive stablecoin payouts through a three-stage process that businesses can configure based on their user base's technical sophistication and geographic distribution. The end-to-end flow typically involves on-ramp (fiat to stablecoin conversion), transfer (blockchain settlement), and off-ramp (stablecoin to usable funds).

How does blockchain settlement benefit business accounting and auditing?

Every transaction processed through UR's infrastructure creates an immutable onchain record. This provides businesses with transparent, verifiable proof of payment that simplifies accounting reconciliation and audit processes. Unlike traditional banking where transaction verification requires waiting for statements, blockchain settlement provides instant, cryptographically-secured confirmation.

What are the tax implications of paying recipients in stablecoins versus fiat?

Tax treatment varies significantly by jurisdiction. Businesses should consult with tax professionals familiar with digital asset regulations in their operating countries. Stablecoin payments may be treated as alternative compensation in some regions, potentially requiring different reporting than traditional fiat payroll. UR's transparent blockchain records can assist with tax documentation and reporting requirements.

UR and TopNod Bring Onchain Assets to Everyday Spending with Co-Branded Mastercard

Spending digital assets in the real world today still means navigating a maze of third-party platforms, custodial transfers, and opaque fees. TopNod, a next-generation non-custodial wallet, is aiming to close that gap through a partnership with UR. TopNod users can now convert their digital assets and on-chain yields into spendable fiat and pay with a co-branded Mastercard without ever leaving TopNod's app or surrendering custody of their funds.

Unlock New Possibilities

UR’s composable stack integrates directly into TopNod’s infrastructure, so users never have to leave the app to access banking services provided by UR. This results in familiar financial features delivered natively, at low cost, within the product experience they already know.

The integration unlocks a set of capabilities that have historically required multiple apps and accounts to piece together:

Convert onchain yields from RWA and crypto holdings into spendable fiat across 7 currencies, drawn from over multiple supported digital assets including BTC, ETH, SOL and MNT.
Access on and off-ramp services across 47 jurisdictions, with 1:1 USDC-to-USD conversion and zero on/off-ramp fees.
Spend globally with the co-branded Mastercard issued by UR, settled directly via smart contracts — no intermediary custody and no hidden layering costs.
KYC compliance is handled by UR, so TopNod can onboard users without building that technology and infrastructure from scratch.

UR offers the first fully onchain banking API that is compliant, fully licensed and covers 47 jurisdictions worldwide. This is possible as UR is a registered trademark of SR Saphirstein AG, a fintech company licensed under Article 1b of the Swiss Banking Act and supervised by FINMA, the Swiss Financial Market Supervisory Authority. Assets are one-to-one and fully-backed, recorded on blockchain and can be verified on ledger: making all transactions transparent, verifiable, and tamper-proof.

Be it secure bank accounts, KYC, debit cards powered by Mastercard, instant payouts or more, UR's modular infrastructure enables users to experience seamless composable banking and transferable digital assets while keeping complete custody of their own funds.

What was once a niche workaround is becoming a baseline expectation: users want to move fluidly between digital assets and everyday spending, without friction, having to surrender control or navigating a compliance grey area. For UR, this is another point in a growing network of integrations that validate the composable banking model. And for TopNod, this collaboration signals the meaningful expansion of what it can do for the users it was built to serve.