UR Card

The UR Card is a Swiss-based virtual Mastercard debit card that bridges on-chain crypto and traditional finance in one app. It supports multiple fiat currencies – USD, EUR, SGD, HKD, JPY, CHF, RMB – all held in personal IBAN accounts, allowing users to spend globally with automatic conversion from their crypto or fiat balances. UR operates under a FINMA Fintech license and emphasizes self-custody: when you sign up, UR generates a self-custody wallet for you, and all deposits are tokenized and settled on-chain (on Mantle Network) for transparency. During a promotional period, UR charges no fees for off-ramping crypto to fiat and no fees for bank transfers – you can convert stablecoins to fiat and withdraw to a bank or spend with the card without incurring conversion fees. The card’s spending limits are generous (€10K daily, €20K monthly) for both free Basic and subscription Pro tiers. As a purely virtual card, it can be added to mobile wallets like Apple Pay and Google Pay for in-store use, but there is no physical card or ATM withdrawal option. UR is available in 45+ countries across Europe and Asia-Pacific, though notably not in the U.S. due to regulatory restrictions. Overall, UR provides a borderless, on-chain integrated banking experience suited for crypto-savvy users looking to spend stablecoins globally while retaining full ownership of their assets.