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UR profile

Who owns UR?

hybrid · — · Licensed bank · custody: Custodial

short answerUR holds its own banking licence, so UR itself is the bank — customer deposits sit on its own regulated balance sheet rather than with a third-party sponsor.

Is UR a licensed bank?

Yes — it holds its own banking licence. Licence detail: Swiss fintech banking licence (Art. 1b Banking Act, FINMA; SR Saphirstein AG); tokenized deposits.

Where is your money held?

Custody model: Custodial — on UR's own balance sheet as a licensed bank.

No sponsor bank or infrastructure provider is publicly documented for UR yet. Know one? Suggest it.

Is my money safe with UR?

As a licensed bank, eligible deposits at UR are typically protected by the local deposit-guarantee scheme up to the statutory limit (for example FDIC in the US, FSCS in the UK, or the €100,000 EU scheme). Confirm the exact scheme and limit for your country.

go deeperSee the full UR profile with every verified field, or UR alternatives. Raw fields: data.json.

Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.