UR enables users to manage crypto and fiat in one account with zero off-ramp fees and multi-currency support.
UR, a smart money app integrating digital assets with traditional banking, has announced its full public launch on iOS, Android, and the web. Available in more than 45 countries, the platform allows users to manage crypto and fiat through a single account.
UR enables users to move funds between digital assets and traditional currencies within a regulated, user-friendly interface. The app supports instant global transfers and everyday payments, aiming to make digital assets as practical and accessible as standard money.
“This goes beyond a conventional fintech solution. We’re reimagining how people interact with money,” said Ying Zhong Ng, Head of Product at UR. “UR enables true freedom of money where users control all assets while accessing the practical utility of traditional banking, closing the core functionality gap between on-chain capital and everyday spending.”
UR’s architecture brings together fiat and digital finance under one framework. Users can deposit either type of currency, receive tokenised balances that function like traditional money, and access automated yield opportunities through integrated DeFi protocols.
At launch, UR offers a complimentary Pro membership until 6 January 2026, including zero off-ramp fees for stablecoin-to-fiat conversions and reduced fees for selected global currencies.
Through a partnership with Ethena, users holding USDe in their UR wallets can earn up to 5% APY, with future functionality allowing direct spending of USDe via the UR card.
The app features multi-currency IBANs supporting SEPA, SWIFT, and SIC transfers, instant crypto-fiat conversions at near-zero cost, and peer-to-peer transfers at bank-rate FX efficiency. Licensed across more than 45 countries, UR includes self-custody wallets secured by biometric authentication and tokenised on the Mantle Network for transparency.
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