One account for everything crypto
Connect wallets, stablecoins, global payment rails and debit cards — all in one app.
Integrated with 150+ stablecoins, protocols, and networks of all sizes
Holyheld is built for those who Swap
We make complicated crypto — simple.
When you move into account
Off-ramp.
Accept crypto payments, off-ramp crypto, or access a custom route flow automatically in one app.
When you move from account
On-ramp.
Make stablecoin payments, fund onchain trading protocols in crypto or fiat.
Transaction detected
When you move in-between
Orchestrate.
Route across blockchains, protocols, and assets, in one app.
20+ networks out of the box
Blockchain networks abstraction.
Holyheld supports your favorite networks with more being added all the time.
Atomic exchange
Real-time speed.
Exchange with blockchain speed not legacy banking rails speed.
Balance
US$ 0.00
SETTLING...
Gasless transactions
No Gas.
Make onchain payments without gas. With Holyheld you won't get stuck when missing
30,000+ tokens
Multi-call transactions.
Holyheld simplifies complex multi-step transactions into a single tap of a button.
Request
Others
BRRR
Visa
Rails for Global Card Programs. Stablecoin wallets reaching every Visa-accepting merchant in real time, through a single authorization flow.
Skale
Gasless Rails for Consumer-Grade Payments. Users pay zero gas while fintechs settle instantly through a compliant fiat bridge.
Solana
Real-Time Crypto Payments at Card-Network Speed. Sub-second finality and sub-cent fees for consumer spending and global payouts.
Starknet
Zero-Knowledge Settlement for Programmable Payments. STARK-secured execution with account abstraction and sponsored gas, built for fintech scale.
Plasma
Zero-Fee Rails for Stablecoin Commerce. Purpose-built Layer-1 finality with gas-free transfers for point-of-sale and merchant settlement.
Tether
One Stablecoin, Every Chain, Every Currency. USD₮, EUR₮, MXN₮, and XAU₮ routed natively across a dozen networks in a single intent.
Arbitrum
Sub-Second Settlement at Layer-2 Economics. Ethereum-grade security at cents-per-transaction cost, sized for card networks and payroll.
Aave
Collateral-Backed Credit for Real-World Spending. Overcollateralised onchain loans converted to card swipes and SEPA payouts in one atomic flow.
Curve
Low-Slippage Stablecoin FX for Global Payments. Onchain stablecoin swaps routed into cross-border settlement without banks or currency desks.
Morpho
Lend and Spend Markets for Real-World DeFi. DeFi-native capital that can be lent, borrowed, and spent instantly via traditional rails.
Frequently asked questions
Everything you need to know about Holyheld.
General
Holyheld is a non-custodial account that lets you spend crypto as fiat in everyday purchases. Holyheld never holds your crypto or your private keys.
Connect your own wallet, convert crypto to fiat, and move it to your account balance to spend. Pay with your account balance, Apple Pay, or Google Pay anywhere it's accepted.
Holyheld is built for crypto natives, DeFi traders and protocol teams who want to spend onchain value in the real world. Every user keeps full custody of their assets while gaining a compliant fiat spending rail.
No. Holyheld is fully non-custodial — it does not hold or control your crypto-assets or private keys, and your funds remain in your own wallet.
Holyheld supports 20+ networks with continuous expansion. EVM networks like Ethereum, Arbitrum, Base, Optimism, Polygon, and Hyperliquid; and other networks like Solana and Starknet.
You can top up with major stablecoins like USDC and USDT, plus 1,200+ other tokens across 20+ networks. Every balance converts to fiat on your account automatically.
Account
Holyheld offers virtual and physical accounts across three tiers: Classic, Limited Edition, and Metal. You can use your virtual account instantly while your physical account is on the way.
Yes. Both virtual and physical accounts work with Apple Pay and Google Pay, so you can spend straight from your phone.
A $holytag is a unique username that lets you send, receive, and request funds instantly without sharing personal or account details. It also opens up onchain composability, so your favorite crypto protocols can pay you directly.
Holyheld pays cashback in USDC on every purchase — 0.5% for Classic and Limited Edition holders, and 1% for Metal holders.
Yes. Each user can get a personal IBAN for SEPA transfers, including salary and rent payments.
Fees & Limits
No. There is no account opening fee and no monthly maintenance fee — you pay only a one-time account price of EUR 29 Classic, EUR 99 Limited Edition, or EUR 199 Metal.
Converting crypto to fiat and topping up your account is free at 0%. Gasless approvals let you top up from an external wallet without paying any network gas.
Payments in your account currency have a 0% FX fee, while international payments cost 2.5% + EUR 1. ATM withdrawals are EUR 1 domestic and 2.5% + EUR 2 international.
Security & Compliance
Holyheld performs KYC and AML verification through third-party providers before activating your account. Because the platform is non-custodial, your crypto and private keys always remain under your control.
Your crypto stays in your own self-custodied wallet, Holyheld never has access to your assets or keys. Fiat account balances are held with regulated payment partners and protected by industry-standard fraud safeguards.