March 31, 2026 —— The next generation non-custodial wallet TopNod has officially announced a partnership with modular infrastructure provider UR today. The two parties will launch a compliant co-branded Mastercard for the TopNod user base along with integrated secure user accounts. By combining UR's technical platform capabilities with TopNod's intuitive user interface, users can seamlessly manage fiat and digital assets within the TopNod App, allowing for direct conversion and spending.

Through the TopNod wallet interface, users can utilize UR's technical platform capabilities to directly convert on-chain yields from real-world assets (RWA) and other digital assets into spendable multi-currency fiat, including US dollars (USD), euros (EUR), Swiss francs (CHF), and Japanese yen (JPY). Currently, UR supports direct conversion for over 20 digital assets, including MNT, BTC, ETH, and SOL.

UR's modular stack can be directly integrated into TopNod's infrastructure, allowing users to access personal accounts, cards, and other features without leaving the TopNod App. This deep integration provides native, low-cost financial services while retaining the familiar product experience for users.

Seamless Embedded Finance: Single App, Single Account, Asset Self-Custody

UR's unique modular financial infrastructure primitive technology supports the convenience of everyday spending. Settlement occurs directly through UR's smart contracts, which means that the intermediate custodial layer and additional costs have been removed while maintaining underlying transparency and self-custody characteristics.

Thanks to the advantages of tokenization technology (including smart contract automatic validation for spend management and on-chain identity technology that conceals personal data), UR's infrastructure has achieved the first fully on-chain API aimed at facilitating compliant accounts and payment experiences via third-party providers supporting different jurisdictions. Assets are fully collateralized at a 1:1 ratio and recorded on the blockchain, ensuring all transactions are transparent, traceable, and immutable.

The partnership between TopNod and UR includes:

• Global payment support: Global payments are realized through a co-branded Mastercard issued by SR Saphirstein AG (regulated by the Swiss Financial Market Supervisory Authority, FINMA). This card is issued under the “UR” trademark subject to eligibility.
• Deposit and withdrawal services: Convenient deposit and withdrawal channels for TopNod users within supported jurisdictions.
• 1:1 conversion: Support for 1:1 conversion between USDC and USD (zero withdrawal fees).
• Native minting: Account assets are directly minted into the user's TopNod wallet, achieving seamless integration of digital assets and fiat in daily life.

“As the adoption of digital assets increases and access channels improve, UR provides a secure, compliant way to participate in the next stage of financial innovation. We are excited to offer TopNod users convenient modular accounts, payment features, and transferable digital assets while allowing them to retain complete control over their personal funds,” said UR Chief Product Officer Ng Ying Zhong.

TopNod CEO Jacky Zhu stated, “The expansion of TopNod's service scope will greatly benefit users who wish to trade digital assets or fiat within a unified interface. Modern capital seeks efficiency and transparency, not opaque intermediaries. By integrating UR's transparent infrastructure, our users now possess identical on-chain accounts that allow for direct transfers to peers or spending via Mastercard. This represents true trustless flexibility in the digital age.”

This collaboration marks an important step in bridging everyday consumption with digital asset interaction. By promoting compliant innovation in the new financial era, the partnership between UR and TopNod is leading digital assets towards mainstream application.

About TopNod

TopNod is a self-custodial wallet that balances security and simplicity. Utilizing key sharding and TEE technology, TopNod provides institutional-grade security while eliminating the hassle of managing complex access codes. TopNod offers a “no seed phrase” experience, making owning and trading digital assets as simple as using mainstream internet applications. By integrating with trusted third-party providers, TopNod offers users seamless access to a variety of mainstream, high-liquidity digital assets.

About UR

UR is a modular financial infrastructure technology platform built on public chains with compliance at its core. UR connects individual and enterprise users and applications to third-party providers, providing the world's first on-chain infrastructure that covers accounts, cards, and payment functions in supported jurisdictions. The technology layer provided by UR links compliant fiat channels with blockchain networks, enabling seamless flow between digital assets and traditional currencies. UR features self-custody, speed, and intuitiveness, transforming complex digital asset workflows into simple everyday financial experiences.

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