UR, the smart money app bridging the worlds of crypto and traditional banking, announced its full public launch available on iOS, Android and as a web application. Now live and available to users in more than 45 countries, UR users can manage their digital assets and fiat all on a single, unified account on-chain with zero off-ramp fees and access multiple fiat currencies.
The platform revolutionises the freedom of money by enabling instant movement between traditional banking and cryptocurrency via a unified, regulated mobile app. From moving funds globally to paying for coffee runs and rental bills alike, UR provides the most secure and cost-efficient way to turn digital assets into spendable money.
Accompanying the launch is complimentary Pro membership access – featuring zero off-ramp fees for stablecoin-to-fiat conversion and access to selected global fiat currencies at low fees for all users until Jan. 6, 2026.
“This goes beyond a conventional fintech solution. We’re reimagining how people interact with money,” said Ying Zhong Ng, Head of Product at UR. “UR enables true freedom of money where users control all assets while accessing the practical utility of traditional banking, closing the core functionality gap between on-chain capital and everyday spending.”
Zero Off-Ramp Fees and Ethena USDe Partnership
Debuting with zero off-ramp fees, UR also enables users holding USDe in their UR wallets to earn up to 5% APY through a strategic partnership with Ethena. Not only can users save on USDe, but they can soon also spend USDe directly from their UR account with their UR card — enabling both a practical money management solution and savings tool.
Revolutionising Smart Money with One App, One Account, All Assets
UR’s comprehensive architecture establishes a unified system where digital and traditional assets flow seamlessly: users deposit either fiat or crypto, receive tokenized balances that spend like traditional currency, and access automated yield opportunities through native DeFi protocols.
Core features include:
- Bank-Level Integration: Multi-currency IBANs support comprehensive SEPA, SWIFT, and SIC transfers.
- Peer Transfers and Bank-Rate FX: Send and receive money instantly among UR users. Currency conversion and transfers are conducted at bank-rate efficiency.
- Instant Crypto-Fiat Integration at Low Fees: Convert digital assets to fiat instantly with near-zero fees from any wallet or supported chain.
- Borderless Financial Infrastructure: Fully licensed KYC/AML compliance allows global reach across 45+ countries with a Mastercard debit card.
- 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.
- Embedded Wallets: Secure self-custody wallets are powered by Turnkey, with biometric authentication on native app logins.
- Earnings on USDe: Earn rewards automatically by simply holding USDe on UR.
- On-chain Transparency: All deposits and transactions are tokenized and settled on Mantle Network for speed and verifiability.
- Native Mobile and Online Experiences: UR is available as a web app, iOS and Android native applications.
UR’s “your wallet = your bank account” approach creates unprecedented integration between self-custody crypto management and traditional financial services. As crypto matures into mainstream financial infrastructure, UR represents the critical evolution necessary to transform on-chain innovation into practical, everyday utility.