Author

Francesca Tay

CMO at UR

Francesca leads marketing and brand at UR. She writes about go-to-market strategy, the fintech landscape, and how UR is bridging fiat and crypto for everyday users.

The Account Layer — Why the Open Economy Needs One

Wallets give you access to finance. The account layer gives you ownership. Discover how on-chain rails and embedded compliance are redefining financial infrastructure.

07 May, 2026•reviews•Francesca Tay

What is the Account Layer?

UR is the account layer for wallets, developers, and financial platforms worldwide. Anyone can build on it.

21 Apr, 2026•announcements•Francesca Tay

About

Access UR

UR is the trademark of SR Saphirstein AG (or SR Saphirstein Limited), which is a company incorporated under the laws of Switzerland with company registration number CHE-256.014.995 and has a Fintech license as a financial institution according to Article 1b of the Swiss Banking Act from and is supervised by the Swiss Financial Market Supervisory Authority (FINMA). The registered office is Bellerivestrasse 245, 8008 Zurich, Switzerland.

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