UR and Ant Group’s TopNod Partner to Enable Onchain Asset Spending via Mastercard
DUBAI, United Arab Emirates – April 12, 2026 — Composable infrastructure provider UR and Ant Group’s TopNod announced a partnership to launch a compliant, co-branded Mastercard that enables users to spend onchain assets directly from a non-custodial wallet. The collaboration integrates UR’s modular platform into TopNod’s wallet to convert over 20 digital assets—including BTC, ETH, SOL, and MNT—into spendable fiat while preserving self-custody.
Overview
The Mastercard, issued by SR Saphirstein AG under Swiss FINMA supervision, supports zero-fee 1:1 USDC-to-USD conversions and on/off-ramps in supported jurisdictions. Users can convert onchain yields from real-world assets (RWAs) to multicurrency fiat (USD, EUR, CHF, JPY) via smart contract settlements, eliminating intermediaries. UR’s infrastructure embeds natively in the TopNod app, enabling global payments without leaving the wallet interface.
Partnership Details
The Mastercard, issued by SR Saphirstein AG under Swiss FINMA supervision, supports zero-fee 1:1 USDC-to-USD conversions and on/off-ramps in supported jurisdictions. Users can convert onchain yields from real-world assets (RWAs) to multicurrency fiat (USD, EUR, CHF, JPY) via smart contract settlements, eliminating intermediaries. UR’s infrastructure embeds natively in the TopNod app, enabling global payments without leaving the wallet interface.
Stakeholder Perspective A
“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. 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.”
— Ng Ying Zhong, Chief Product Officer at UR
Why it matters: This partnership prioritizes user sovereignty amid rising regulatory scrutiny on custody models.
Stakeholder Perspective B
“Modern capital demands efficiency and transparency, not opaque intermediaries. 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.”
— Jacky Zhu, CEO at TopNod
Why it matters: The statement highlights the industry shift toward decentralized, efficient finance infrastructure.
Industry Context
Tokenized RWAs and non-custodial wallets are experiencing significant growth, with platforms like Ondo now supported in TopNod. Mastercard integrations signal mainstream crypto utility, backed by FINMA’s regulatory framework. Transaction volumes and specific launch hubs remain undisclosed for this partnership.
Switzerland’s regulatory environment facilitates global reach, aligning with fintech growth trajectories in MENA markets including the UAE and Saudi Arabia, where crypto-friendly policies foster innovation.
Conclusion
This collaboration accelerates compliant onchain-to-fiat spending infrastructure, fostering mass adoption of digital assets in everyday transactions and establishing a benchmark for self-custodial payment solutions.
Sources: The Fintech Times, MEXC, Odaily
