SpendGraphTERMINAL INTELLIGENCE no index 2/4 publishing 2 chains 2026-09-07 08:14 UTC 27% fact 17% inference 14% private 中文

Protocol intelligence

One system at a time: what it is, where it runs, what can be proven.

Ether.fi Cash (cash-v3)17/17 Gnosis Pay Safe Card Protocol17/17 RedotPay17/17 UR Account / Card Protocol17/17

UR Account / Card Protocol

DRAFT Interpreted here

No published research note describes this system in prose. What follows is the registration and what has been observed against it.

Registryur-mantle · 0.2.0 System idur Programmeur Versionur-v7-2026-08

Usage snapshot

How much this payment system is used

The most recent fully elapsed UTC day. Not the current day, and not real time. Through 2026-09-06 UTC, the last complete window
Payment countT1 · C06
72
2 published windows on this system
Active payment accountsT1 · C08
38
GrowthT1
-17.2%
Observed payment amountC09 · D020
Not observed
WhyAmounts are published per denomination. Adding them would need a rate SpendGraph does not observe, so there is no single total.
Rolling 7 days, compared against the previous equal 7 days. Through 2026-09-06 UTC, the last complete window
Payment countT1 · C06
516
2 published windows on this system
Active payment accountsT1 · C08
167
GrowthT1
21.1%
Observed payment amountC09 · D020
Not observed
WhyAmounts are published per denomination. Adding them would need a rate SpendGraph does not observe, so there is no single total.
Rolling 30 days, compared against the previous equal 30 days. Through 2026-09-06 UTC, the last complete window
Payment countT1 · C06
2,088
2 published windows on this system
Active payment accountsT1 · C08
404
GrowthT1
-52.3%
Observed payment amountC09 · D020
Not observed
WhyAmounts are published per denomination. Adding them would need a rate SpendGraph does not observe, so there is no single total.
Rolling 90 days, used as context. No method publishes this window yet.
Payment countT1 · C06
Not yet published
WhyThis window is not in the rolling-window catalog, so no method produces a figure for it. Waiting does not change that — the capability has to be built.
Active payment accountsT1 · C08
Not yet published
WhyThis window is not in the rolling-window catalog, so no method produces a figure for it. Waiting does not change that — the capability has to be built.
GrowthT1
Not yet published
WhyThis window is not in the rolling-window catalog, so no method produces a figure for it. Waiting does not change that — the capability has to be built.
Observed payment amountC09 · D020
Not observed
WhyAmounts are published per denomination. Adding them would need a rate SpendGraph does not observe, so there is no single total.

What changed

Deterministic changes only — no cause is inferred

Payment count · Latest complete day
▼ -17.2% compared with the previous equal window, through 2026-09-06 UTC
Payment count · 7D
▲ 21.1% compared with the previous equal window, through 2026-09-06 UTC
Payment count · 30D
▼ -52.3% compared with the previous equal window, through 2026-09-06 UTC
Not applicableno signals engine exists; the design's signal feed has no component behind it yet

industry_signals

Registry and facts read through 2026-09-07 08:14 UTC

Usage trend

Only metrics with a published definition

4per day, low to high447

C09 groups post_auth_funds_action_count by protocol; this line is this system's own daily series — 400 published windows at this revision.

Not yet publishedC09 has published no active_payment_address_count series for this system at this revision.
Not applicableActivity has no published metric definition. The tab is kept because the module is part of the design; a series would have to be invented.
Not applicableFlows has no published metric definition. The tab is kept because the module is part of the design; a series would have to be invented.
Not applicableVelocity has no published metric definition. The tab is kept because the module is part of the design; a series would have to be invented.
Not applicableRetention has no published metric definition. The tab is kept because the module is part of the design; a series would have to be invented.
Not applicableUse cases has no published metric definition. The tab is kept because the module is part of the design; a series would have to be invented.

The lines here come from published metric series. UR Account / Card Protocol's 17 capability assessment rows are a separate kind of evidence and are not among them.

Usage programme

Measures this surface will carry, and what each is waiting for

Median payment sizeC09 · D020
Not applicable
WhyAmount quantiles are not published. They need a per-denomination distribution this system does not compute yet.
Payment size distributionC09 · D020
Not applicable
WhyAmount quantiles are not published. They need a per-denomination distribution this system does not compute yet.
Repeat account rateT1 · C08
Not applicable
WhyThe account attribution this measure is derived from has not been published yet, so there is no population to describe.
Payments per active accountT1 · C08
Not applicable
WhyThe account attribution this measure is derived from has not been published yet, so there is no population to describe.
ConcentrationT1 · C08
Not applicable
WhyThe account attribution this measure is derived from has not been published yet, so there is no population to describe.
SignalsSignals V1
Not applicable
WhyNo signals engine has run here. The rules are frozen, but their gate is a blind evaluation that has not been performed, and a signal shown before that gate would be a claim this system cannot support.

Among SpendGraph-tracked cards

A comparison across the tracked set — not a market ranking

Ether.fi Cash (cash-v3)UnavailableNot published
Gnosis Pay Safe Card Protocol38,681
RedotPayUnavailableNot published
UR Account / Card Protocol516

No figure is published for this system yet.

Ether.fi Cash (cash-v3)UnavailableNot published
Gnosis Pay Safe Card Protocol4,637
RedotPayUnavailableNot published
UR Account / Card Protocol167

No figure is published for this system yet.

Ether.fi Cash (cash-v3)UnavailableNot observed
Gnosis Pay Safe Card ProtocolUnavailableNot observed
RedotPayUnavailableNot observed
UR Account / Card ProtocolUnavailableNot observed

Amounts are published per denomination. Adding them would need a rate SpendGraph does not observe, so there is no single total.

Bars compare magnitude against the largest value shown. They are not a share of any market and no total for one is published anywhere on this site.

Evidence coverage

fact5
disproven5
unknown4
inference3

17 assessment rows over 17 functions iRows, not functions: a pack that splits one function into two aspects contributes two rows and one function.

Publication coverage

Which blocks the figures above rest on

DeploymentChainActivityBatchesBlocksContiguousRepublishedData through
ur-mantle-mainnet5000Active269331,420,289 – 100,319,17847,816,14715iCommitted batches whose block range overlaps another — a repair republished the range. Facts are not double-counted; batch fact counts would be, which is why this terminal publishes no fact total.2026-09-07 08:10 UTC
Observed activityAmount aggregation
Not observedAmounts are published per denomination; a single figure would need a rate SpendGraph does not observe.
Payment eventsC06 · C09
74,783
400 published windows on this system
Active payment addressesAddress attribution
n/aiC01 registers this system's account model as `ERC721_TOKEN_ID`, so its account identity is not an on-chain address and a count of addresses has no value to report for it — not a value of zero. Its activity is counted under `Active accounts`, the measure that spans every account model.
Connected chainsC01 deployment model
1
1 carrying published facts
5000
First observedC06 publication
31,420,289
earliest published block · through 2026-09-07 08:10 UTC

Deployment-wide metrics are on the Overview page at revision metric-v4.iThe registry describes each system separately; C09 computes over the facts the deployment holds. The first can be split per system and the second cannot.

Payment system anatomy

How UR Account / Card Protocol completes a payment

Native Integrated Dependent Not observed iWhere a function happens and whether it can be seen. Not a grade, not a ranking, and not ordered best to worst.
Identity
Who is involved
Not observed Not in catalogiThe frozen function catalog defines no function for this group, so no assessment can exist. Not a gap in this protocol's registration.
Account
Where value is held
Native
1/1
1 fact
Key evidence
  • F01fact
Funding
How value enters
Native Integrated
2/2
1 fact 1 inference
Key evidence
  • F02fact
  • F03inference
Authorization
How payments are approved
Native ×3 Dependent ×2 Not observed
6/6
2 inference 2 disproven 1 fact 1 unknown
Key evidence
  • F04disproven
  • F05disproven
  • F06inference
  • +3 more on Functions
Settlement
How value moves
Native ×2 Dependent ×3 Not observed
6/6
3 disproven 2 fact 1 unknown
Key evidence
  • F07fact
  • F10disproven
  • F11disproven
  • +3 more on Functions
Credit
How credit is provided
Not observed Not in catalogiThe frozen function catalog defines no function for this group, so no assessment can exist. Not a gap in this protocol's registration.

Architecture overview

System architecture and how value moves through it

Account
Who participates, and what the account is
ERC721_TOKEN_ID
Account identity survives an address change
Custody
PROTOCOL_CUSTODY
Funding
How value enters, and how a balance is held
DIRECT_ONCHAIN_TRANSFER / PREFUNDED
Balance
INTERNAL_LEDGER
Settlement
Where the obligation settles
CARD_NETWORK
Rails
rail-ur-protocol-ledger rail-ur-card-network

Runs on one chain · Decides each payment · profile arch-ur-v7 · revision 1iEvery value in the lanes is a registry declaration bound to evidence, at the protocol version named in the header. Nothing here is inferred from activity.

Multi-chain presence

Where this system runs

mantle-mainnetPrimaryfacts published

Activity, events and amount by chain

Not yet publishedC09 publishes no metric broken down by chain for one system, so there is no per-chain figure to state a basis for.

Funding mix

Not observed1 funding profile(s) declared, none with a share, so there is no distribution to draw.

Key facts

System id
ur
Registry
ur-mantle · 0.2.0
Registration
DRAFT
Programme
ur
Account model
ERC721_TOKEN_ID
Custody
PROTOCOL_CUSTODY
Settlement locus
CARD_NETWORK
Networks
mantle-mainnet
Deployments
ur-mantle-mainnet
Issuer / operator
not declared
Reserve transparency
not declared
Regulatory status
not declared
Smart contract upgradeability
not declared

The rows marked not declared have no field in any registration pack. C01 asserts a legal entity only where the chain record establishes one, and for these systems it does not.

Methodology
  • Every count here is SpendGraph's observed coverage. It is not a total for the on-chain payment market, and no denominator for that market is published anywhere on this site.
  • Counts are read from C09's published series at a pinned catalog revision. This page performs no count of its own — a second implementation of a published metric is a second thing that can be wrong.
  • Publication batches answer how far coverage reaches, never how many facts exist. A repair republishes a range, so summing batch fact counts double-counts the repaired part: on 2026-08-21 that sum was 85,021 against 81,034 actual facts, with zero retractions.
  • A registration status describes how far SpendGraph's own review of a pack has got. It is not an assessment of the protocol, and every review state is compatible with a deployment that stopped carrying payments months ago — which is why activity is a separate column.
  • The payment function catalog is frozen at seventeen entries. A new protocol term is mapped onto an existing function rather than growing the catalog, so a function absent from a protocol's assessment means nobody has assessed it — not that it does not exist.
  • The six capability groups are defined by this site alone, as a presentation over the seventeen. Two of them — Identity and Credit — have no catalog function, so no protocol can be assessed against them and they are shown as such.

On-chain evidence preview

The shape of the evidence behind every figure on this page

Time Chain Event type From To Amount Tx hash
Not observedThis surface reads only what C10 publishes, and a raw event is a domain record C10 does not publish. The From and To columns would also name addresses, which this site does not disclose for any system.

2693 committed publication batches across 1 deployment records — the block ranges are in Publication coverage below.

Related systems

Declared dependencies

rail-ur-protocol-ledgerRail
rail-ur-card-networkRail

Rails this system settles or funds through, as the registry declares them. A graph across registered systems is not published, so none is drawn.