Who is UR?
UR (pronounced "You Are") is a next-generation borderless smart money app that makes it easy to spend and off-ramp, all in one simple and unified app. Built for both crypto natives and the crypto curious, UR simplifies the way people and businesses move between digital assets and fiat currencies. Fast and intuitive, UR turns complex crypto workflows into a seamless everyday experience.
Core Benefits
| Seamless Offramp | Instantly convert crypto to fiat with near-zero fees, from any wallet or supported blockchain. |
| Regulated & Trusted | Operates under a Swiss fintech license with full KYC/AML compliance. |
| Global Reach | Available in 45+ countries with support for major fiat currencies. |
| Spend Anywhere | Use your Mastercard debit card for everyday purchases, both online and offline. |
| Bank-Level Services | Access multicurrency Swiss IBANs for transfers (SEPA, SWIFT). Currently supports EUR and CHF. |
| Onchain Transparency | All deposits and card transactions are tokenized and settled on Mantle Network for speed, security, and verifiability. |
Key Product Features
| Multicurrency Accounts | Manage balances in USD, EUR, CHF, CNH, JPY, SGD, and HKD. |
| Debit Card | Multicurrency Mastercard with instant spending capability. |
| Crypto-to-Fiat Conversion | Convert crypto directly on Ethereum, Mantle, Arbitrum, and Base from assets in your UR account or from external wallets. |
| Peer Transfers | Send and receive money instantly using UR IDs or QR codes. |
| FX & Payments | Convert and transfer between currencies efficiently at bank-rate pricing. |
| Earn Yield | Earn rewards automatically just by holding USDe in your UR account. |
| Embedded Wallets | Secure wallets with biometric login on the UR app. |
| Cross-Platform Access | Available as a web app, as well as iOS and Android native applications. |
Supported Crypto Tokens and Networks
UR supports multiple crypto tokens and blockchain networks, giving you flexibility and choice. You can easily deposit or withdraw your tokens through supported networks. Below, you'll find the full list of tokens and networks available.
| Token | Arbitrum One | Base | Ethereum | Mantle | Monad |
|---|---|---|---|---|---|
| AAVE | ✓ | ✓ | ✓ | ✗ | ✗ |
| ARB | ✓ | ✗ | ✓ | ✗ | ✗ |
| crvUSD | ✗ | ✓ | ✓ | ✗ | ✗ |
| ENA | ✗ | ✓ | ✓ | ✓ | ✗ |
| ENS | ✗ | ✗ | ✓ | ✗ | ✗ |
| ETH | ✓ | ✓ | ✓ | ✗ | ✗ |
| LINK | ✓ | ✗ | ✓ | ✗ | ✗ |
| LDO | ✓ | ✗ | ✓ | ✗ | ✗ |
| mETH | ✗ | ✗ | ✓ | ✓ | ✗ |
| MNT | ✗ | ✗ | ✓ | ✓ | ✗ |
| PAXG | ✗ | ✗ | ✓ | ✗ | ✗ |
| PENDLE | ✓ | ✓ | ✓ | ✗ | ✗ |
| POL | ✗ | ✗ | ✓ | ✗ | ✗ |
| PYUSD | ✓ | ✗ | ✓ | ✗ | ✗ |
| stETH | ✗ | ✗ | ✓ | ✗ | ✗ |
| USDC | ✓ | ✓ | ✓ | ✓ | ✓ |
| USDE | ✗ | ✗ | ✗ | ✓ | ✗ |
| USDS | ✓ | ✓ | ✓ | ✗ | ✗ |
| USDT | ✓ | ✗ | ✓ | ✗ | ✗ |
| USDT0 | ✗ | ✗ | ✗ | ✓ | ✗ |
| UNI | ✗ | ✗ | ✓ | ✗ | ✗ |
| WBTC | ✓ | ✓ | ✓ | ✗ | ✗ |
| WETH | ✓ | ✓ | ✓ | ✗ | ✗ |
| XAUt | ✓ | ✗ | ✓ | ✗ | ✗ |
Support Fiat Currencies and Use Channels
UR makes it easy to manage your money with support for multiple fiat currencies. You can deposit, withdraw, and even spend your balance through different available channels. Check out the list below to see which fiat currencies and channels you can use.
| Currency | Deposit | Payout | Card Spending | Peer Transfer | FX Conversion |
|---|---|---|---|---|---|
| Swiss Franc (CHF) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Euro (EUR) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Hong Kong Dollar (HKD) | ✗ | ✗ | ✓ | ✓ | ✓ |
| Japanese Yen (JPY) | ✗ | ✗ | ✓ | ✓ | ✓ |
| Chinese Renminbi (CNH) | ✗ | ✗ | ✓ | ✓ | ✓ |
| Singapore Dollar (SGD) | ✗ | ✗ | ✓ | ✓ | ✓ |
| US Dollar (USD) | ✗ | ✗ | ✓ | ✓ | ✓ |
UR Memberships
UR offers two membership tiers—Basic and Pro—so you can choose the plan that best fits your needs. Both tiers give you access to UR’s products and services, while Pro members enjoy lower fees, exclusive perks, and additional features. Learn more about the differences in our UR Memberships article.
Getting Started
Ready to take your asset management to the next level with UR? Getting started is quick and simple — just follow these steps:
- Access UR: Visit the UR official website or download the UR app from the Apple App Store or Google Play Store.
- Verify your identity: Complete our secure onboarding process, including KYC verification and a quick Passport NFC scan.
- Start using UR: Once verified, you can add funds in crypto or fiat, convert between them, and activate your UR Mastercard Debit Card to start spending right away.
Need Help?
Having an issue or a question on UR? We've got you covered! Our team is here to support you every step of the way.
- Browse our Help Center to learn more about UR's products and services.
- Check out our Guides and FAQs for quick answers to common questions.
- Get in touch with us via Live Chat, email at support@ur.app, or submit a ticket here.
For your security: UR will only contact you from official @ur.app email addresses or through in-app notifications. We will never ask for your password, private keys, or any sensitive credentials via email. If you receive a suspicious message claiming to be from UR, please do not respond and contact our support team immediately.
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