UR: Your Go-To Unified Account

UR Technology

About this app

UR delivers a secure, all-in-one account for users to manage digital assets, stablecoins and fiat across FX, payments, spending and more. It's built on regulated DLT infrastructure and designed around modular money movement — giving you flexible control and seamless real-world use across borders.

Whether you're shopping online, sending money across borders or just need a bank account to manage your funds, UR gives you everything you need to move your money confidently in one unified app.

Stablecoin to Fiat, Simplified
- Convert USDC, USDT or other digital assets to fiat with just a few taps
- Receive funds into a named IBAN, issued through supported account infrastructure
- No exchanges involved; just tap, convert, and use

A New Standard for Banking
- Fiat balances held in customer-named accounts; digital identity information is stored, verified and managed securely on a blockchain
- Built for trust and speed, with on-chain execution and off-chain settlement
- Use stablecoins for real-world transfers and daily payments

Spend Your Assets Anywhere
- Instantly activate a virtual card and connect to Apple Pay, Google Pay, Samsung Pay, Alipay or WeChat Pay
- Pay with your UR Mastercard, online or in-store
- Accepted worldwide with millions of merchants

Global Infrastructure Powered by Blockchain
- Personal IBANs with access to EUR, USD, CHF, and more
- Send or receive fiat via SEPA or SWIFT
- Seamless onboarding with fast identity verification (KYC)

Total Control & Real-Time Tracking
- Freeze cards and get instant transaction alerts
- Monitor your transaction activity in real time
- No hidden mechanics: full transparency at every step

For Builders
- Provide your users with the flexibility of a fully regulated bank account
- Use UR’s modular account APIs to integrate KYC, ledgering and settlement
- Delivering composable banking primitives to suit your needs; UR handles the infrastructure behind the scenes

Disclaimer: Features are subject to KYC and regional availability. Check out the full list of supported countries and services.

Ratings and reviews

KYC is totally broken. Passport NFC scanning does not work. Very badly designed app. I would avoid using it as if they can't even program proper on-boarding, how do they store your personal data too? Use Gnosis Pay or Ready instead.

Requires scanning NFC tag in passport to verify identity to open account, but the app's NFC scanning is broken (makes the NFC scan SFX but app does nothing). Unusable.

I can't scan my passport. It just didn't work. I tried two phones. So terrible experience.

What’s new

What's New in Version 3.5
Faster onboarding – NFT minting now happens during signup, getting you into your account quicker.
Transaction notifications – Stay informed with real-time alerts for all your account activity.
Connected app management – View and disconnect third-party applications from your settings whenever you need to.
Improved clarity – We've updated copy throughout the app to make everything easier to understand.