Odaily Senior Author: Friends of Planet Daily

Core Insight: Non-custodial wallet TopNod has partnered with infrastructure provider UR, aiming to offer users a compliant solution for seamlessly managing, converting, and directly spending digital assets for everyday purchases within a single application, through the integration of a co-branded Mastercard and on-chain accounts.

Key Elements:

a. The partnership's core is the launch of a co-branded Mastercard and integrated accounts, allowing users to directly manage and spend fiat currency converted from on-chain yields, such as from RWAs, within the TopNod App.

b. Deep integration with UR's modular tech stack provides native financial services, with settlements executed via smart contracts, emphasizing self-custody, transparency, and low cost.

c. Supports conversion for over 20 digital assets (e.g., BTC, ETH) and multiple fiat currencies (USD, EUR, etc.), and enables 1:1 zero-fee exchange between USDC and USD.

d. The card is issued by SR Saphirstein AG, regulated by Swiss FINMA, with the partnership emphasizing compliance within supported jurisdictions.

e. Both parties view this collaboration as a key step towards mainstream daily adoption of digital assets by streamlining processes and removing opaque intermediaries.

March 31, 2026 — Next-generation non-custodial wallet TopNod and modular infrastructure provider UR today announced a formal partnership. The collaboration will introduce a compliant co-branded Mastercard and integrated secure user accounts for TopNod's user base. By combining UR's technology platform capabilities with TopNod's intuitive user interface, users can seamlessly manage fiat and digital assets, and directly convert and spend them, all within the TopNod App.

Through the TopNod wallet interface, users can leverage UR's technology platform to directly convert on-chain yields from Real World Assets (RWAs) and other digital assets into spendable multi-currency fiat, including US Dollars (USD), Euros (EUR), Swiss Francs (CHF), and Japanese Yen (JPY), among others. Currently, UR supports direct conversion for over 20 digital assets, including MNT, BTC, ETH, and SOL.

UR's modular stack can be directly integrated into TopNod's infrastructure, allowing users to access personal accounts, cards, and other features without leaving the TopNod App. This deep integration provides native, low-cost financial services while preserving the familiar product experience for users.

Borderless Embedded Finance: Single App, Single Account, Self-Custody of Assets

UR's unique modular financial infrastructure primitives underpin the convenience for everyday spending. Settlement occurs directly through UR's smart contracts, which means intermediary custody layers and additional costs are eliminated while maintaining underlying transparency and self-custody characteristics.

Leveraging the advantages of tokenization technology—including smart contract auto-verification for spend management and on-chain identity technology that masks personal data—UR's infrastructure has achieved the first fully on-chain API, designed to deliver compliant account and payment experiences through third-party providers in supported jurisdictions. Assets are fully collateralized 1:1 and recorded on the blockchain, ensuring all transactions are transparent, traceable, and immutable.

The TopNod and UR partnership includes:

Global Payment Support: Enabled via a 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.

On/Off-Ramp Services: Provides convenient on-ramp and off-ramp channels for TopNod users in supported jurisdictions.

1:1 Conversion: Supports 1:1 conversion between USDC and USD (with zero withdrawal fees).

Native Minting: Account assets are minted directly to the user's TopNod wallet, enabling seamless integration of digital assets and fiat in daily life.

"As digital assets gain popularity and accessibility improves, UR offers a secure, compliant way to participate in the next phase of financial innovation. We are excited to provide TopNod users with convenient modular accounts, payment capabilities, and transferable digital assets, while allowing them to retain full control over their funds," said Ng Ying Zhong, Chief Product Officer at UR.

TopNod CEO Jacky Zhu stated, "The expansion of TopNod's service scope will greatly benefit users who wish to transact in digital assets or fiat within a unified interface. Modern capital seeks efficiency and transparency, not opaque intermediaries. By integrating UR's transparent infrastructure, our users now have homonymous on-chain accounts, allowing them to transfer directly to peers or spend via a Mastercard. This is the truly trustless flexibility of the digital age."

This collaboration marks a significant step in bridging everyday consumption with digital asset interaction. By driving compliant innovation in the new financial era, the UR and TopNod partnership is leading the charge towards mainstream adoption of digital assets.

About TopNod

TopNod is a self-custody wallet that balances security with simplicity. Utilizing key sharding and TEE technology, TopNod delivers institutional-grade security without the hassle of managing complex access codes. It offers a "seedless" experience, making owning and trading digital assets as easy as using mainstream internet applications. Through integrations with trusted third-party providers, TopNod provides seamless access to a variety of mainstream, high-liquidity digital assets.

About UR

UR is a modular financial infrastructure technology platform built on public blockchains, with compliance at its core. By connecting individuals, businesses, and applications to third-party providers, UR delivers the world's first on-chain infrastructure for accounts, cards, and payments within supported jurisdictions. UR's technology layer bridges compliant fiat gateways with blockchain networks, enabling seamless flow between digital assets and traditional currencies. Self-custodial, fast, and intuitive, UR transforms complex digital asset workflows into simple, everyday financial experiences.