Evolving financial needs for individuals, businesses and more have spurred on the innovation of financial super-apps. Where users have typically placed unwavering trust in traditional banking services, some of them are now shifting towards new money management options, especially with the rise of onchain banking services and super money apps in recent months. Greater control and flexibility over one's diverse assets, boosted rewards for savings with lower and more transparent fees, alongside enhanced security and privacy — these are the top pull factors for these new financial apps, but how safe and regulated are they?
Traditional banks rely on legacy systems of trust with physical branches and face-to-face verification. Onchain neobanks replace these with digital verification, cryptographic proof and transparent ledgers.
UR's unified crypto-fiat account brings new opportunities — and sets new expectations for security and identity.
Securing Your Account With KYC & NFC Scan
UR secures your account with biometric identification via NFC scan, a fast, hardware-level verification that links your real-world identity to your onchain wallet. Instead of uploading photos or waiting for manual checks, users can verify their identity directly from their government-issued passport. This is done through authentication via a secure NFC chip read — and matched with live facial recognition.
This process eliminates forgery risks, reduces onboarding time and ensures compliance while keeping your data encrypted and private. You'll only be able to access UR, including its multicurrency banking account and UR Mastercard debit card, once you've fully completed KYC.
Here's what you'll need to do:
- Complete a short questionnaire: Make sure you reside in one of UR's servicing regions
- Verify your location: Enable location services on UR
- Verify your passport: Take and upload a clear photo of your document
- Perform NFC scan with your mobile phone: Place your phone over the NFC chip on your passport for a few seconds until the scan is completed
- Take a photo of your face: To verify your identity securely, we’ll ask you to take a real-time photo using your device’s camera. This step confirms that you’re a live person.
For a detailed step-by-step guide on how to complete KYC and NFC scanning for your passport, read this or view our tutorial.
Video TutorialUR's fully licensed KYC/AML compliance enables a truly borderless financial infrastructure that allows UR to extend its global reach across 45+ countries with a Mastercard debit card. This has been made possible as UR is a registered trademark of SR Sapherstein AG, a Swiss financial institution established in 2018 which is directly regulated by FINMA.
2-Click Account Creation
A simple Google or email login automatically generates self-custody wallets in the background, transforming complex crypto management into intuitive financial control. Users who successfully complete KYC are able to activate their global debit card and spend without having to link their traditional bank accounts, ensuring that users share only what's necessary — more control over your personal information.
Onchain Transparency & Embedded Wallets
Secure self-custody wallets are powered by Turnkey, with biometric authentication on native app logins. All deposits and transactions are tokenized and settled on Mantle Network for speed and verifiability. Mantle Network, an Ethereum Layer 2 that just recently completed its zkVM integration with Succinct, is delivering on unparalleled security for high-value transactions at the cost of a few cents with 24/7 settlements. With Mantle Network, UR has been engineered to handle the diverse transaction needs of its users.
Get Started
Opening an account is effortless — a simple sign-up, fast KYC verification, and you’re ready to move your money freely, anytime, anywhere.
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