UR partners with TopNod: Launching a co-branded Mastercard to bring on-chain assets into everyday spending

TopNod, the next-generation non-custodial wallet, and modular infrastructure provider UR today announced that they have officially reached a partnership.

Together, the two companies will launch a compliant co-branded Mastercard (Mastercard) and an integrated secure user account for the TopNod user community. By combining UR’s technology platform capabilities with TopNod’s intuitive user interface, users can seamlessly manage fiat and digital assets inside the TopNod App, and directly convert and spend them.

Through the TopNod wallet interface, users can use UR’s technology platform capabilities to directly convert on-chain yield generated from real-world assets (RWA) and other digital assets into spendable multi-currency fiat— including U.S. dollars (USD), euros (EUR), Swiss francs (CHF), and Japanese yen (JPY), among others. Currently, UR supports direct conversion for more than 20 digital assets, including MNT, BTC, ETH, and SOL.

UR’s modular stack can be directly integrated into TopNod’s infrastructure, allowing users to access personal accounts, cards, and other features without leaving the TopNod App. This deep integration preserves the familiar product experience for users while providing native, low-cost financial services.

Embedded finance without boundaries: one app, one account, asset self-custody

UR’s unique modular financial infrastructure primitives provide support for everyday spending convenience. Settlement is conducted directly through UR smart contracts, meaning that while preserving underlying transparency and self-custody characteristics, it eliminates the intermediate custody layer and additional costs.

Thanks to the advantages of tokenization technology (including smart contract-based automatic verification for spend management, and on-chain identity technology that masks personal data), UR’s infrastructure delivers the first all-on-chain API. It is designed to enable compliant account and payment experiences by supporting third-party providers across jurisdictions. All assets are fully collateralized at 1:1 and recorded on the blockchain, ensuring that every transaction is transparent, traceable, and immutable.

The TopNod and UR partnership includes:

Global payment support: Global payments are enabled through the co-branded Mastercard issued by SR Saphirstein AG (regulated by the Swiss Financial Market Supervisory Authority FINMA). Subject to eligibility, the card is issued under the “UR” trademark.

Cash in and cash out services: Provide convenient cash-in and cash-out channels for TopNod users in supported jurisdictions.

1:1 conversion: Supports 1:1 conversion between USDC and USD (zero cash-out fees).

Native minting: Account assets are minted directly into users’ TopNod wallets, enabling seamless connections between digital assets and fiat in everyday life.

“As the adoption of digital assets increases and access channels improve, UR provides a secure and compliant way to participate in the next phase of financial innovation. We are excited to offer TopNod users convenient modular accounts, payment capabilities, and transferable digital assets—while also giving them full control over their personal funds.” said UR Chief Product Officer Ng Ying Zhong.

TopNod CEO Jacky Zhu said: “The expansion of TopNod’s service scope will be a major benefit for users who want to trade digital assets or fiat within a unified interface. Modern capital seeks efficiency and transparency—not opaque intermediary institutions. By integrating UR’s transparent infrastructure, our users now have an on-chain account with the same name, enabling them to transfer to peers directly or spend via Mastercard. This is the true flexibility of earning trust in the digital age.”

This partnership marks an important step toward bridging day-to-day spending and digital asset interactions. By driving compliant innovation trials in the new era of finance, the partnership between UR and TopNod is leading digital assets toward mainstream applications.

About TopNod

TopNod is a self-custodial wallet that balances security and simplicity. With key sharding and TEE technology, TopNod delivers institutional-grade security without the hassle of managing complex access code. TopNod offers a “no seed phrase” experience, making owning and trading digital assets as simple as using mainstream internet applications. By integrating with trusted third-party providers, TopNod gives users seamless access to a range of mainstream, highly liquid digital assets.

About UR

UR is a modular financial infrastructure technology platform built on public blockchains, with compliance at its core. By connecting individual users, enterprise users, and applications to third-party providers, UR delivers the world’s first on-chain infrastructure in supported jurisdictions, covering account, card, and payment functionality. UR’s technology layer connects compliant fiat rails with blockchain networks, enabling seamless flow between digital assets and traditional currencies. UR features self-custody, speed, and intuitiveness, turning complex digital-asset workflows into simple everyday financial experiences.