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

March 31, 2026 — TopNod, the next-generation non-custodial wallet, and UR, a modular infrastructure provider, today announced that they have officially entered into a partnership. Together, they will launch a compliant co-branded Mastercard (Mastercard) and integrated secure user accounts for TopNod’s user base. By combining the functional capabilities of UR’s technology platform with TopNod’s intuitive user interface, users can seamlessly manage fiat and digital assets within 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 yields 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). Currently, UR supports direct conversion of 20+ digital assets, including MNT, BTC, ETH, and SOL.

UR’s modular stack can be integrated directly 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 and low-cost financial services.

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

UR’s unique modular financial infrastructure primitive technology underpins day-to-day consumer convenience. Settlement happens directly via UR smart contracts, meaning that while preserving underlying transparency and self-custody characteristics, it removes intermediate custody steps and additional costs.

Thanks to the advantages of tokenization (including smart contract automatic validation for spend management, and on-chain identity technology that conceals personal data), UR’s infrastructure has enabled the first fully on-chain API, aiming to deliver compliant account and payment experiences by supporting third-party providers across jurisdictions. Assets are fully collateralized at 1:1 and recorded on the blockchain, ensuring that all transactions are 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). The card is issued under the “UR” trademark, subject to eligibility.
• Cash in/out services: To 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-in/cash-out fees).
• Native minting: Account assets are minted directly to users’ TopNod wallets, enabling seamless day-to-day connections between digital assets and fiat.

“As digital assets become more widely adopted and access channels are improved, UR offers a safe and compliant way to participate in the next phase of financial innovation. We’re excited to provide TopNod users with convenient modular accounts, payment capabilities, and transferable digital assets—while allowing them to retain full control over their personal funds.” said Ng Ying Zhong, UR Chief Product Officer.

TopNod CEO Jacky Zhu said: “The expansion of TopNod’s service scope will be a big benefit for users who want to trade digital assets or fiat within a unified interface. Modern capital pursues efficiency and transparency rather than opaque intermediaries. By integrating UR’s transparent infrastructure, our users now have same-name on-chain accounts that let them transfer money to peers directly or spend via a Mastercard. This is the true flexibility of the digital age—without placing trust in the wrong places.”

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

About TopNod

TopNod is a self-custody wallet that balances security and simplicity. With key sharding and TEE technology, TopNod provides 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 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 public blockchains, with compliance at its core. By connecting individuals, 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 functionalities. The technology layer UR provides connects compliant fiat rails with blockchain networks, enabling seamless flow between digital assets and traditional money. With self-custody, fast, and intuitive features, UR turns complex digital asset workflows into simple everyday financial experiences.