UR
Zurich, CH · 1 known investors
UR provides financial infrastructure that lets partners offer users a single account to manage and move stablecoins and fiat, supporting a Swiss IBAN, multiple fiat currencies and digital assets, SEPA, SWIFT and Mastercard through one API. It serves businesses building financial products, and is regulated as a financial institution by FINMA in Switzerland.
Also known as SR Saphirstein AG · UR Technology Pte Ltd · ur.app
Investors · 1
Company profile
researched Aug 2026UR provides financial infrastructure that combines stablecoin and fiat payment rails so that wallets, developers and financial platforms can offer global financial services. Its stack covers Swiss IBAN accounts, seven currencies, SEPA and SWIFT transfers, Mastercard card issuing, and built-in KYC/AML compliance controls, delivered through modular components intended to let partners integrate and launch in weeks. The company positions its ledger as neutral and auditable, and emphasises self-sovereign onchain identity in which users control their own data.
UR also operates a consumer-facing application. The UR app offers a unified account for holding stablecoins, other digital assets and fiat together, converting between them (including USDC and USDT off-ramps), receiving funds through a named virtual IBAN, sending and receiving fiat via SEPA, SIC, SWIFT and USD transfers, and spending through a virtual or physical Mastercard debit card connected to Apple Pay, Google Pay, Samsung Pay, Alipay or WeChat Pay. The app supports deposits across Ethereum, Mantle, Arbitrum, Base and Monad networks, with 19 supported tokens, passkey login, QR-code transfers, categorised transaction history, in-app account statements and NFT minting during onboarding. Features are subject to KYC and regional availability.
The UR trademark belongs to SR Saphirstein AG (also SR Saphirstein Limited), a Swiss company with registration number CHE-256.014.995, holding a Fintech licence as a financial institution under Article 1b of the Swiss Banking Act and supervised by FINMA. Its registered office is at Bellerivestrasse 245, 8008 Zurich. The consumer iOS app is published by UR Technology Pte Ltd.
Business model
UR sells infrastructure to other businesses: wallets, developers and financial platforms integrate its plug-and-play components and API to embed accounts, cards, on- and off-ramping and compliance in their own products, while UR handles account setup behind the scenes. It simultaneously distributes a direct-to-consumer account and card app under its own brand.
Latest developments
Recent consumer app releases added USD send and receive, unlimited USDC and USDT off-ramps, on-ramp purchases of digital assets, downloadable account statements, exchange rate and fee transparency in transaction details, passkey login, Monad network deposits, QR-code transfers, categorised transactions, real-time card alerts, recovery email and account management controls.
▸Full profile — market position, technology, go-to-market, geography
Market position
UR presents itself as regulated, licensed infrastructure for blockchain-native financial services, differentiating on a Swiss FINMA fintech licence, banking-grade rails and a plug-and-play integration model.
The stated differentiators are a Swiss FINMA-supervised fintech licence, coverage of both stablecoin and fiat rails in one account (Swiss IBAN, seven currencies, SEPA, SWIFT, Mastercard), modular composable components, integration timelines measured in weeks, and retention benefits for partners that keep users from leaving for external off-ramps.
Technology
The platform unifies stablecoin and fiat rails, with transactions anchored on a transparent, auditable ledger and modular, composable financial components. It supports Swiss IBAN accounts, seven currencies, SEPA, SIC, SWIFT and USD transfers, Mastercard issuing, and instant conversion between digital currencies and cash. Onchain support spans Ethereum, Mantle, Arbitrum, Base and Monad, with 19 supported tokens; the consumer app adds passkey authentication, NFT minting at signup, and audited KYC and AML controls.
Go-to-market
UR markets a developer-oriented integration path with documentation and a "start building" entry point for partners, and distributes a consumer app on iOS, Android and web to reach end users directly.
Wallets, developers and financial platforms building global financial services, alongside individual consumers using the UR app for cross-border holding, conversion, transfers and card spending.
Geography
Headquartered in Zurich, Switzerland, with the trademark holder registered at Bellerivestrasse 245, 8008 Zurich; the consumer app is published by a Singapore entity, UR Technology Pte Ltd, and is designed for cross-border use subject to regional availability.
Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 3
launches, deals, and filingsApp version 3.7.0 introduced sending and receiving USD directly from the account and removed limits on converting USDC and USDT to cash.
App version 3.3 added passkey sign-in and support for depositing Monad (MONAD) to a UR account.
SR Saphirstein AG, the entity behind the UR trademark, holds a Fintech licence as a financial institution under Article 1b of the Swiss Banking Act and is supervised by FINMA.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
In the news
▸Research sources · 8
primary sources listed
- URur.app · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does UR do?
- UR is a Swiss-licensed financial infrastructure provider unifying stablecoin and fiat rails behind a single account and API.
- Who are UR's investors?
- UR's investors include Mirana Ventures.
- Where is UR headquartered?
- UR is headquartered in Zurich, CH.