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Mantle's new on-chain bank UR bets on the Asian market, exploring the account-layer overhaul "from Alipay to DeFi."
BlockBeats News, May 15 — Forbes reports that the on-chain new banking project UR, launched by Mantle, is exploring the integration of traditional payment systems with DeFi infrastructure, with Asia viewed as a core growth market.
UR is being developed by Neo, a former payment industry professional. The concept is drawn from his experience promoting the widespread adoption of QR code payments at companies such as Alipay and Grab, with the aim of upgrading the path of “QR code payments driving cash digitization” to “on-chain banking driving fiat digitalization.”
UR is built under a Swiss FINMA regulatory license and adopts a full-reserve banking model: the fiat currency users deposit corresponds 1:1 to on-chain tokenized assets, but no lending or investing is conducted, thereby achieving an auditable on-chain banking structure.
The system allows users to connect to banking account capabilities via API, enabling an integrated workflow for fiat deposits, stablecoin exchanges, and cross-chain settlement, while embedding bank accounts into applications and wallets as the infrastructure for a “financial super app.”
The Mantle team defines UR as an “on-chain banking prototype,” emphasizing that its goal is not simply a crypto payment card or a USDC payment tool, but rather to restructure the account layer so that it is programmable and composable.