It's Not Just a Crypto Neobank — It's Who UR
The wait is over — the highly-anticipated UR has landed.
Please note that the current launch is open only to early contributors' access, with full public access scheduled for Q3 2025 (check "Phased Rollout" section). More specifics, guides and other information will be made available then.
Introducing UR (pronounced "You Are"), Mantle's banking innovation pillar. A borderless, crypto-first neobank that makes it easy to spend and off-ramp, all in one place, UR is powered by Mantle Network, which is poised to evolve into a banking chain in addition to its mantle as a leading liquidity chain.
As part of Mantle’s growing suite of modular finance products, UR enables users in more than 40 countries to manage their daily finances securely and effortlessly. It delivers:
- A Swiss-Backed Multi Currency Account
- Mastercard Debit Card
- Global Banking Rail Access
UR is also set to unlock decentralized finance (DeFi)-native features such as yield and crypto-collateralized credit in later stages.
UR — Coming to You SoonOne App, One Account, All Assets
Users can open Swiss International Bank Account Number (IBAN) accounts supporting EUR, CHF, USD, and RMB, with 1:1 backed deposits and spend through a Mastercard debit card at merchants globally. All UR accounts are offered by a Swiss-regulated financial institution, with core infrastructure integrating tokenized deposits and NFT-based identity. Users will have to successfully complete KYC to use the app.
At launch, UR supports fund transfers via both traditional rails such as SWIFT, SEPA, and SIC, and crypto networks Ethereum and Arbitrum to offer seamless on- and off-ramps between fiat and digital assets. Support for more networks like Base and Mantle Network will be coming soon. Additional UR features such as foreign exchange, fiat-to-crypto on-ramps, native yield on idle balances, and access to Mantle-native investment products such as Mantle Index Four (MI4) and mETH Protocol will follow in a phased rollout across 2025.
Just as operating systems enabled mass computing and mobile companies brought smartphones global, UR is designed to become the everyday interface between traditional and decentralized finance. Combining the intuitive simplicity of neobanking with the transformative power of decentralization, UR aims to deliver the full stack of blockchain-based financial services from payments to lending and wealth management.
Phased UR Rollout
UR’s phased rollout will begin with an early contributors’ release on June 19, 2025. This initial, limited access round will go a long way to ensuring final improvements are made to the UR app ahead of full public access later this year in Q3. Further plans in the short-term pipeline include:
- Supporting stablecoin off-ramp from more networks, adding to Ethereum and Arbitrum (currently available)
- Adding banking rails support with more currencies to be supported soon
- Fiat to crypto on-ramp
- Mobile applications for iOS and Android
UR will initially support select jurisdictions, with ongoing regulatory approvals and infrastructure partnerships enabling broader access over time.
As crypto enters the next phase of adoption, the launch of UR reflects Mantle’s broader vision to reshape the financial stack, from base-layer infrastructure to consumer-grade applications, creating a unified ecosystem where users and institutions can transact, save, invest, and build in ways that were not previously possible under siloed legacy systems. By making DeFi benefits accessible through UR’s simplified user interaction, crypto will be practical and powerful to serve coffee runs and pension funds alike.
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