As the year comes to a close, we wanted to take a moment to celebrate UR's milestones since its soft launch in June 2025. Together with our early community, we've watched UR come to life in the hands of real users — taking meaningful steps toward enabling freedom and efficiency in how digital assets and fiat move across borders to meet everyday needs.
Before blockchains, before code, there were ledgers carved in clay — in the place of Ur where ledgers were first created. Now, we continue to extend that legacy into the modern financial stack with UR.
UR is a financial platform that delivers a composable stablecoin banking infrastructure powered by blockchain, allowing users and businesses to access a fully secure and compliant bank account under the supervision of SR Saphirstein AG. We're ensuring that they can move their money freely anytime, anywhere without the challenges that typically come with traditional banks and even neobanks.
The past 6 months have been about laying the groundwork. From early ideas to real progress, this is how the year shaped up.
Starting With Your Go-To Unified Digital Assets & Multicurrency Fiat Account
In the past few months, we've seen 19,000 users join UR, with over $10M in deposits and $5M in transactions recorded on the app.
We wanted to remove the headache of figuring out where to off-ramp your digital assets without incurring exorbitant costs and the frustration of bouncing between apps to manage your diverse assets.
That's why we introduced UR's all-in-one digital asset and fiat bank account for users in October 2025 with zero off-ramp fees and low-cost FX across 7 fiat currencies. Plus, with the Mastercard debit card that links seamlessly to Apple Pay, Google Pay, WeChat Pay, Alipay, and Samsung Pay, we've made it effortless to spend and access your funds anywhere, anytime.
UR is built for those shaping the future: digital nomads, innovators and creators of every kind — a vision championed by our first ecosystem partners, including Ethena, HackQuest, Toku, Monad and OpenBuild.
Our collaboration with these partners delivers a more seamless financial experience through UR — whether for builders new to the world of web3, employers and employees paying and receiving salaries in digital assets and stablecoins, or those looking for yield.
These partnerships have helped UR focus on what matters: making banking infrastructure easy to integrate, helping businesses scale, and improving the way users interact with their products. Together, we're strengthening the foundation for growth and streamlining financial workflows.
Growing UR's Stablecoin Banking Infrastructure to Power Businesses
In 2026, UR will make it easier than ever to manage, move, and access your money — be it digital assets, stablecoins or fiat — bringing more freedom and efficiency to businesses looking to combine speed with precision and compliance. This means expanding and scaling quickly with every process streamlined and secured by blockchain.
- Fully Composable and In Your Control
UR is integration-ready and geared to help you launch without unnecessary delays. We offer a full suite of composable primitives that businesses can select and optimize to suit their specific banking needs.
With UR, fiat and digital assets can be managed seamlessly in a single account, supported by the features required to move these hybrid assets freely and efficiently. Its composable design also means businesses or individuals seeking quick solutions for specific infrastructure challenges can implement them rapidly, enabling faster timelines without compromising flexibility or control.
- Compliant and Licensed, Powered By Blockchain Technology
UR is the world's first onchain stablecoin banking infrastructure that is compliant and fully licensed. It is a registered trademark of a reputable financial institution, SR Sapherstein AG, making UR a licensed partner to hold custody of your funds and provides segregated bank accounts for each business and user — all while enabling fiat and digital assets to be managed seamlessly in a single account and moved freely across borders.
For the first time, banking trust is anchored in neutral technological foundation rather than opague intermediaries. UR offers the first fully onchain stablecoin API that leverages the best part of tokenized technology. All deposits are tokenized. They are one-to-one and fully-backed, recorded on blockchain and can be verified on ledger — transparent, verifiable, and tamper-proof. By representing funds on blockchain instead of relying on opaque legacy systems, UR eliminates common banking friction (like name mismatches and manual reviews), enabling smoother, faster money flows to and from traditional bank accounts. This removes the need for blind trust traditionally required between centralized corporations and the individual.
- Full Autonomy Over Your Assets
With UR, users own an onchain identity under their legal name. Digital identity information is stored， verified and managed securely on a blockchain, providing both compliance and user control.
We strive to bring UR's infrastructure to an expanding ecosystem of partners next year — our unique efficiency, transparency and interoperability that go above and beyond what traditional banks and neobanks can offer.
For more information, check out our website and documentation.
