Composable infrastructure provider UR and TopNod, a next-generation non-custodial wallet, announced their official partnership to bring a compliant co-branded Mastercard and integrated secure user accounts to TopNod’s userbase. Users can seamlessly manage their fiat and digital assets, directly convert and spend digital assets within the TopNod app, which now combines UR’s technology platform features and capabilities with TopNod’s intuitive user interface.
Through the TopNod wallet interface, users can leverage UR’s technology platform features to convert on-chain yields from RWA (real-world asset) and other digital asset holdings into spendable multicurrency fiat — including USD, EUR, CHF and JPY, among others. UR currently supports the direct conversion of 20+ digital assets, including MNT, BTC, ETH and SOL.
UR’s modular stack allows integration directly into TopNod’s infrastructure, so users never have to leave the TopNod app to access their own account, card, and other features. This results in familiar product features delivered natively, at low cost, within the product experience they already know.
Borderless Embedded Finance with One App, One Account, and Self-Asset Custody
Everyday spending convenience is enabled by UR’s unique technology of modular financial infrastructure primitives. Settlement happens directly via UR’s smart contracts. This means no intermediary custody, no additional costs while preserving transparency and self-custody at the base layer.
Thanks to the merits of tokenization technology, including automated smart contract verification for spending management, and onchain identity obscuring personal data, UR‘s infrastructure enables the first fully onchain API designed to enable compliant account and payment experience via third-party providers in supported jurisdictions. Assets are one-to-one and fully-backed, recorded on blockchain and can be verified on ledger: making all transactions transparent, verifiable, and tamper-proof.
Key highlights of the TopNod and UR partnership include:
- Global payments enabled through the co-branded Mastercard issued by SR Saphirstein AG which is supervised by the Swiss Financial Market Supervisory Authority (FINMA). The card is issued under the “UR” trademark, subject to eligibility.
- On and off-ramp services for TopNod users in supported jurisdictions.
- 1:1 USDC to USD conversion (zero on- and off-ramp fees).
- Account assets are minted directly to users’ TopNod wallets, demonstrating digital and fiat working seamlessly in daily life.
“As digital asset adoption continues to grow and access to digital assets becomes increasingly robust, UR offers a secure, compliant way to participate in the next phase of financial innovation. We are delighted to offer TopNod’s users easy access to modular account and payment features and transferable digital assets while they keep complete custody of their own funds,” said Ng Ying Zhong, Chief Product Officer at UR.
“This expansion of TopNod’s service will greatly benefit users looking to transact in either digital assets or fiat within one coherent interface. Modern capital demands efficiency and transparency, not opaque intermediaries. By integrating UR’s transparent infrastructure, our users now own the same-name onchain account and can make transfers to their peers or spend it directly via Mastercard. This is true trustless flexibility for the digital age,” said Jacky Zhu, CEO of TopNod.
The collaboration represents significant progress in bridging everyday spending with digital asset interaction. By encouraging compliant experimentation within the new era of finance, UR and TopNod’s partnership stewards the mainstream adoption of digital assets.