Account Mode Architecture

            Recommended
          

Managed Custody Mode

The lowest-effort path. Users never interact with a wallet for fiat actions.

Integration: Standard REST APIs. No Web3 wallet handling.
Fiat account: Your backend orchestrates the user’s fiat account via the UR API.
User crypto: Held in that same UR-managed account, or a separate non-UR wallet your backend manages directly.

Partner Platform

UR

Settlement

Partner Backend

UR API

User Fiat Account

UR-managed

Tokenized deposits · IBAN · Card

Onchain Settlement

User Crypto

UR-managed account or
separate non-UR wallet

API calls(partner signs)

Direct management
only if crypto is in a non-UR wallet

          Always present
          Conditional path
          UR
          Partner
          Settlement
        

            Self-custody
          

For platforms where users bring their own wallet and hold their own keys.

Wallet: Users connect MetaMask, Rabby, or any external wallet. UR does not provision a new one.
Custody: Full self-custody. Keys never leave the user’s wallet.
Balances: The user’s identity and fiat balances (tokenized deposits) live directly in their external wallet.

User

UR Smart Contracts

UR Backend

Partner Platform

User

External Wallet

Token / Deposit /
Router Contracts

Fiat Balance / Assets

Event Listener /
Webhooks

Partner API

Compliance / Risk
& Quote Service

Partner Frontend / DApp

Partner Backend

Controls

6Sign & Submit Tx

5Request Signature

Connects to

1Request Action

4Pass Data

2Get Quote / Params

3Return Tx Data

7Notify Status

          Synchronous call
          Async / event-driven
          UR
          Partner
          User
        