Composable infrastructure provider UR and TopNod, a next-generation non-custodial wallet from Ant Group, have partnered to deliver a compliant, co-branded Mastercard to TopNod’s userbase.
Backed by Ant Group’s fintech ecosystem and UR’s modular technology platform, the collaboration aims to usher in compliant, functional real-world cryptocurrency adoption at scale. Through the TopNod wallet application, cardholders can now seamlessly manage their digital and fiat assets, utilizing direct conversion to spend their holdings via the new Mastercard.
Bridging digital yields and everyday fiat
Leveraging UR’s integrated technology, users can directly convert on-chain yields from real-world assets (RWA) and other digital holdings into spendable multicurrency fiat, including USD, EUR, CHF, and JPY.
Key highlights of the partnership include:
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Global payment capabilities via a co-branded Mastercard issued by SR Saphirstein AG, which is supervised by the Swiss Financial Market Supervisory Authority (FINMA).
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Support for the direct conversion of over 20 digital assets, including BTC, ETH, SOL, and MNT.
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Seamless on- and off-ramp services for TopNod users in supported jurisdictions.
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Zero-fee, 1:1 conversions between USDC and USD.
Because UR’s modular stack integrates directly into TopNod’s infrastructure, users can access their accounts, cards, and financial features natively without ever having to leave the TopNod app.
Trustless flexibility and self-custody
A core feature of the partnership is the preservation of self-custody. Everyday spending convenience is enabled by UR’s financial infrastructure primitives, meaning settlement happens directly via smart contracts. This eliminates the need for intermediary custody and additional costs, ensuring transactions remain transparent, verifiable, and tamper-proof on the blockchain.
Ng Ying Zhong, chief product officer at UR, emphasized the importance of balancing innovation with security.
“As digital asset adoption continues to grow and access to digital assets becomes increasingly robust, UR offers a secure, compliant way to participate in the next phase of financial innovation,” Ng stated. “We are delighted to offer TopNod’s users easy access to modular account and payment features and transferable digital assets while they keep complete custody of their own funds.”
Jacky Zhu, CEO of TopNod, highlighted the shift away from traditional, opaque financial models.
“Modern capital demands efficiency and transparency, not opaque intermediaries,” Zhu explained. “By integrating UR’s transparent infrastructure, our users now own the same-name onchain account and can make transfers to their peers or spend it directly via Mastercard. This is true trustless flexibility for the digital age.”
