The urble community

One for
all, all for one

Saving. Every man for himself. With shared power. With the same values and a common attitude. Not as anonymous customers with the same savings product, but as people of conviction in an exchange under a common roof. Completely free in your own actions. An account that really only belongs to you. Not a bank. Organizationally interlinked and involved in the further development of urble. That is unique!

Individually strong.
Powerful together

As with any conventional savings offer, with urble everyone saves for themselves and their own goals. In the long term, however, urble will not have a company in the background for the savings offer, the technology and all processes, but a self-determining community.

urble will be unassailable. Immune to short-sighted management decisions. It couldn't be more sustainable.
This is future-proofing in a new dimension.

urble will belong to itself in the future. Decisions will be made through proposals and votes.
Adventure

Never before has there been more security for long-term savings.

The community gives people the opportunity to manage and monitor long-term savings solutions themselves as a community. And have a say in new savings solutions. The goal: responsible innovation to protect existing savings and ensure sustainable returns throughout the investment cycle. From the savings phase to the retirement phase. Not just for years, but for decades and generations!

Your
voice matters.

Proposals are proposals submitted by members (or delegates) to promote changes or new initiatives within the urble community. Any member can submit a proposal, which is then discussed and voted on by the community.

This democratic method allows all members to actively participate in the development and growth of the urble community. Join in and contribute your ideas to drive our shared vision forward!

Introduction of an incentive program for regular savers

With the introduction of a rewards system, we want to reward members for saving regularly.

Introduction of an urble scholarship program for students

The urble scholarship program offers students financial support to cover their educational costs. This program is intended to be funded by targeted donations and to support talented young people.

Feature request for the savings plans

To make the progress of the savings success more tangible, friends should be invited to verify it in order to continuously motivate the saver to achieve his savings goal.

Why financial democracy is important

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Security and control

Only you have access to and control over your savings. Your account belongs only to you. You keep it yourself. Not a bank. Not even urble. Only you.
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Community without obligations and for everyone

All decisions are made and supported by the community. Everyone has a vote. It can be used in any vote. But it doesn't have to be. The community is open to everyone. Regardless of financial background.
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Flexibility and sustainability

Our savings solutions are suitable for all life situations - whether for children, parents, grandparents, godparents, friends or couples. The community ensures that the products and services will continue to be suitable in the future.
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Community added value

Benefit from the experience and knowledge of the community. Using the strength of a team to master the mental challenges of long-term saving.

Superior technology

Technological innovations have made it possible for assets to be self-custodied today. Without any banks. They also make much more possible. As a result, financial investments are becoming safer, more efficient (and therefore more cost-effective), more robust, more convenient and enable completely new services, such as digital contracts. But the overarching question is: can I trust the technology? Yes! Billions of assets have been doing so for years.
chevron_right More about the technology in the urble Academy

urble Community Governance

Technological innovation requires clear processes and governance that ensures security and sustainability. This is the core task of the urble community. A significant difference to a traditional bank. It generates customer benefits while safeguarding the interests of the owners. This does not always have to be congruent. The urble community overcomes this classic conflict with its DNA, so to speak.
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Legal certainty for members through external representation as a Swiss association:

For the integration of the urble community into an existing legal regulatory framework.
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Simple governance with urble DAO:

As a Decentralized Autonomous Organization (DAO), we use the urble app to make it easy to submit proposals and vote so that members can participate without any hurdles.
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Transparency through cryptographic signatures:

Each urble vote receives a signature that proves the authenticity of the user action. These are stored on decentralized storage and can be verified by anyone.

OrganizationalBodies

1

Community

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Proposals, voting on proposals

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Submit proposals, vote on proposals, apply to be a delegate

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Every urble account holder

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Anyone with an urble account. The actual voting right is defined by the number of urble tokens you have as an urble account holder

2

Delegates

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Composition of the Council, investment strategy, selection of service providers, approval criteria

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Voting of council members, representation of the urble community, tactical allocation of treasury assets, preparation and curation of proposals and conduct of votes

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Voting by the community on an annual basis

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Maximum 7 members

3

Committee (Working Groups)

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Are compiled and organized by delegates

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Development of subject-specific topics and preparation of proposals that belong to the Working Group and require a vote

4

Advisory Board

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No direct rights in the urble community, but are consulted for information and expertise purposes and thus actively participate based on their reputation.

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Settlement of disputes within the community, selection of providers and strategies, strategic allocation of treasury assets, change in governance structure

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Nomination and voting by delegates on an annual basis

group size

Maximum 11 members

Key Roles in the urble Community

These roles span across all departments. They ensure sustainable growth, healthy finances, legal compliance, and make sure the community fulfills its designated responsibilities.
Joana Torres

Joana Torres

Innovation in blockchain technology creates unprecedented opportunities to reimagine savings and investing. A future of investing without using the technology’s benefits, would be foolish and I consider it unthinkable. urble is aiming to make saving more accessible, transparent, and user-controlled, which is exactly what we need.

As someone with a traditional finance background in asset management and product development, I am deeply committed to advancing my financial literacy. I want to help urble DAO build self-custody savings solutions that empower individuals regardless of their background or financial status. This is an opportunity to create financial infrastructure that educates while it serves.

Fredi Suerbeck

Fredi Surbeck

As a designer and Customer Experience Maximalist, I believe that trust is deeply personal—it’s built through human connection, not dictated by companies.

Crypto made me a saver. Not because of price movements, but because of the idea behind it. A system like blockchain offers trust, peace of mind, and long-term perspective. That aligns with my mindset: design consciously, think sustainably, stay independent.

I bring urble DAO a strong customer perspective and an uncompromising focus on real-life relevance—so that self-custodied savings aren’t just an idea, but a practical tool that truly empowers people in their everyday lives.

Vittorio Vaccaro

Vittorio Vaccaro

I’ve always found that long-distance running gives me a real sense of freedom and resilience—qualities I see mirrored in decentralized finance. Whether I’m on the trail or exploring better ways to protect our wealth, pushing your own limits teaches you that true success comes from both individual perseverance and shared collaboration, exactly the spirit that drives web3 communities.

As a father of two, I’m passionate about building a financial future that goes beyond what traditional institutions can offer. That’s why I’m committed to urble DAO, a place where each individual truly owns their savings. By harnessing blockchain’s power to preserve purchasing power over the long run, we can create a more inclusive, resilient system—one that empowers people to experience genuine financial freedom.

Michelle Matthys

Michelle Matthys

As a mother of two, I understand the importance of secure and sustainable savings solutions. I am passionate about decentralized systems that challenge traditional financial governance, shifting power from institutions to individuals through transparency, shared responsibility, and long-term thinking.

With a background in financial controlling, I have developed expertise in financial reporting and planning. Since 2017, I have also been deeply involved in the Web3 space, continuously expanding my knowledge in decentralized finance and blockchain innovations.

At urble DAO, I apply my financial expertise to help build a transparent, community-driven, and future-proof financial system—one that empowers individuals and redefines the way we save.

Christian Dick

Christian Dick

I love gardening because it teaches me how systems grow, adapt, and regulate themselves—just like a DAO. A healthy ecosystem, whether in nature or finance, needs decentralization, resilience, and continuous feedback.

I believe that the governance of long-term savings solutions should be handled by DAOs rather than companies, because companies today often don’t last as long as the financial commitments they create. With my background in investment management, I contribute to urble DAO, helping build a financial system that evolves with its community and stands the test of time.

Ralph Hofacker

Ralph Hofacker

As a lifelong FC Bayern Munich fan, I’ve seen how a strong community can shape an organization, holding it accountable while driving its success. I believe this level of transparency, critical thinking, and open dialogue is missing in how people manage their savings—too often relying on centralized institutions with limited control over their own money. That’s why I’m committed to the urble Association and DAO, building a global space where people can discuss, access, and learn about self-sovereign savings. As a father and godfather, I deeply care about financial security in these uncertain times. My goal is to empower individuals to take charge of their wealth, ensuring a resilient, permissionless, and bottom-up financial future for generations to come.

Get involved and contribute

Contribute your ideas. Whether as concrete proposals to the delegates or as an impulse. Apply as a delegate to take on more responsibility in the urble community.

Doing good together

An integral part of urble is the involvement of charitable organizations. For every milestone reached or missed in a savings plan, a portion of the sum can be donated.
Sustainability and environment
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WWF Switzerland

I rediscover the beauty and diversity of nature every day and work with others to ensure that future generations also have this opportunity. The global WWF network supports around 1000 projects and is active in over 100 countries around the world.
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Youth promotion
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Pestalozzi Foundation

Since it was established in 1961, the Pestalozzi Foundation has been supporting young people and young adults from Switzerland's mountain regions in their education with scholarships and loans. In keeping with Johann Heinrich Pestalozzi's belief that a child should have access to education as early as possible, the Pestalozzi Foundation has also been committed to early education since 2013.
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Impact through Entrepreneurship
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Elea Foundation

The Elea Foundation promotes entrepreneurship for poverty reduction in fragile regions by providing capital, management skills and expertise. It emphasizes that strong entrepreneurs can reduce poverty through innovative solutions and job creation. The foundation supports sustainable business models and measures the social and environmental impact of its projects.
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You want to know more?

Then deepen your understanding in the urble blog, in the urble Academy or in our FAQs. Or contact us via the help center.
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About urble

What drives us and who we are.
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