UR and TopNod have partnered to launch a co-branded Mastercard, bringing on-chain assets into daily consumption

March 31, 2026 — The next-generation non-custodial wallet TopNod and modular infrastructure provider UR today announced that they have officially reached a partner agreement.

The two parties will roll out a compliant co-branded Mastercard and an integrated secure user account for TopNod’s user base. By combining UR’s technology platform functionality 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 leverage UR’s technology platform functionality to directly convert on-chain yield from real-world assets (RWA) and other digital assets into multi-currency fiat that can be spent— including U.S. dollars (USD), euros (EUR), Swiss francs (CHF), and Japanese yen (JPY), among others. At present, UR supports direct conversion of more than 20 digital assets, including MNT, BTC, ETH, and SOL.

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

Seamless embedded finance: one app, one account, self-custody of assets

UR’s unique modular finance infrastructure primitives provide the foundation for everyday payment convenience. Settlement is handled directly through UR’s smart contracts, meaning that while maintaining underlying transparency and self-custody features, it eliminates intermediary custody steps and additional costs.

Thanks to the advantages of tokenization (including automatic smart-contract validation for spend management, and on-chain identity technology that masks personal data), UR’s infrastructure has enabled the first fully on-chain API—aimed at delivering compliant account and payment experiences through third-party providers across supported jurisdictions. Assets are fully collateralized 1:1 and recorded on the blockchain, ensuring that all transactions are transparent, traceable, and tamper-proof.

The partnership between TopNod and UR includes:

• Global payments support: Global payments are enabled through the co-branded Mastercard issued by SR Saphirstein AG (regulated by the Swiss Financial Market Supervisory Authority FINMA). The card is issued with the “UR” trademark, subject to eligibility requirements.
• 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 to the user’s TopNod wallet, enabling seamless linkage between digital assets and fiat in daily life.

“As digital assets become more widely adopted and access channels continue to improve, UR offers a safe and compliant way to participate in the next phase of financial innovation. We are excited to provide TopNod users with convenient modular account and payment capabilities and transferable digital assets, while also allowing them to retain 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 coverage will greatly benefit users who want to trade digital assets or fiat within a single unified interface. Modern capital is pursuing efficiency and transparency, not opaque intermediaries. By integrating UR’s transparent infrastructure, our users now have matching on-chain accounts with the same name, enabling them to transfer funds directly to peers or spend via a Mastercard. This is the real flexibility of trusting less in the digital age.”

This partnership marks an important step in bridging everyday spending and interactions with digital assets. By driving compliant innovation trials in the new era of finance, the partnership between UR and TopNod is helping move digital assets toward mainstream application.

About TopNod

TopNod is a self-custody wallet that balances security and simplicity. With key sharding and TEE technology, TopNod provides institutional-grade security while sparing users the hassle of managing complex access code. TopNod offers a “no seed phrase” experience, making owning and trading digital assets as easy as using mainstream internet applications. By integrating with trusted third-party providers, TopNod gives users seamless access to multiple mainstream, highly liquid digital assets.

About UR

UR is a modular financial infrastructure technology platform built on a public blockchain, with compliance at its core. UR connects individual, business users, and applications to third-party providers to deliver the world’s first on-chain infrastructure across supported jurisdictions, covering account, card, and payment functionality. The technology layer provided by UR connects compliant fiat rails with blockchain networks, enabling seamless flow between digital assets and traditional currencies. UR is self-custodial, fast, and intuitive, turning complex digital asset workflows into simple everyday financial experiences.