Holyheld vs Airwallex

Airwallex fits a company that receives money in many markets and converts often between major currencies, with local receiving details in more than 20 currencies and exchange at 0.5% above the interbank rate. Holyheld Business fits a company that is paid in stablecoins: it receives, holds and converts USDC and EURC in the same account as its named USD and EUR accounts, where Airwallex offers only USDC payouts in early access.

Where Holyheld differs from Airwallex

Stablecoins

Stablecoins in and out.

Airwallex pays out USDC on Ethereum in early access, through its API. Holyheld receives, holds and converts USDC and EURC in the account.

Getting paid

Get paid in stablecoins.

Send a customer a payment link and receive USDC or EURC at your own addresses. No Airwallex page offers receiving stablecoins.

pay.holyheld.com/x7k2q$1,200.00
Link paid — $1,200.00 in USDC on Base

Support

A dedicated concierge.

One person who knows your account, in in-app chat, for every member rather than on a custom plan.

Need a corporate lawyer in Zug — by tomorrow?

02:57

Done. Three intros in your inbox.

03:12 ✓

Holyheld and Airwallex, row by row

Holyheld Business and Airwallex, row by row
Holyheld BusinessAirwallex
Who can open an accountCompanies apply, and each application is reviewedBusinesses registered in one of 69 listed countries and territories; crypto and stablecoin businesses need Airwallex’s approval Airwallex help: eligible countries and territories
USD accountYesA named USD account that receives ACH and wires, domestic or internationalYesUSD receiving details for ACH and Fedwire Airwallex help: Global Account currencies
EUR accountYesA named EUR account with an IBAN, for SEPA transfersYesA EUR IBAN in the company’s name, for SEPA, SEPA Instant and TARGET2, but not SWIFT Airwallex help: Global Account currencies
Other currenciesNoUSD and EUR accounts only; pounds received by Faster Payments are credited in USDYesLocal receiving details in more than 20 currencies; 11 major currencies can be held Airwallex UK pricing
Holding stablecoinsYesUSDC and EURC; companies outside the EEA can also hold USDT, PYUSD and USDGNoNo official page offers holding stablecoins Airwallex docs: USDC payouts
Stablecoins to USD or EURYesOff-ramp and on-ramp transfers in the account, and swaps between stablecoinsNoNo official page offers receiving or converting stablecoins Airwallex docs: USDC payouts
Outside walletsYesReceiving addresses for USDC on seven networks and EURC on three, and sending from the appPartlyUSDC payouts on Ethereum from a USD balance, in early access through the API only Airwallex docs: transfers via stablecoin
Wires that arrive in fullYesWires are sent so the recipient receives the full amountYesSWIFT OUR at £20 per transfer Airwallex UK fee schedule
SupportYesA dedicated concierge in in-app chatPartlyHelp centre, email and in-app chat on every plan; onboarding support on Accelerate Airwallex UK pricing

What Airwallex charges

Airwallex’s UK prices, as listed on 28 October 2026.

Airwallex’s prices exclude VAT and are charged per legal entity; its EU plans cost the same figures in euros.

Holyheld’s prices are on its pricing page.

Price per monthExplore £19, or £0 in a month you deposit or hold £10k; Grow £49; Accelerate custom
Transfers in GBP in the UK, EUR by SEPA and CHF in Switzerland£0
Local transfers in other currencies£1 to £6 each on Explore; none on Grow and Accelerate
SWIFT transfer, fees shared (SHA)£10
SWIFT transfer, sender pays all fees (OUR)£20
Currency exchange0.5% above interbank for 11 major currencies, 1% for others
ReceivingFree for most currencies; USD 15 per US Fedwire receipt; 0.6% on KRW, VND, BRL and MYR

Stablecoins: a payout route, or part of the account

Airwallex’s developer docs list one stablecoin route: payouts of USDC on Ethereum, paid from a USD balance. It is in early access, works through the API only, not the web app, and an account manager has to switch it on and set its fees. No official page says an Airwallex account can receive, hold or convert stablecoins, and a help article says Airwallex can’t facilitate crypto transactions.

Holyheld holds stablecoins in the account. Off-ramp transfers turn them into USD or EUR when you choose, on-ramp transfers do the reverse, and swaps exchange one stablecoin for another.

Holyheld works with USDC on Ethereum, Arbitrum, Optimism, Base, Polygon, Avalanche and Solana, and with EURC on Ethereum, Base and Solana. Companies outside the EEA can also use USDT, PYUSD and USDG.

Which one fits

Airwallex fits

  • A company that needs local receiving details in many currencies, such as AUD, CAD, SGD or HKD, beside EUR, GBP and USD.
  • A company converting often between major currencies, at 0.5% above the interbank rate.
  • A company paying suppliers in many countries over local rails, where the Grow plan drops the per-transfer fees.

Holyheld fits

  • A company that receives stablecoins from customers and settles in USD or EUR.
  • A company that wants a dedicated concierge rather than support by plan.

Common questions

  • Explore is £19 a month, or £0 in a month the business deposits or holds at least £10,000. Grow is £49 a month, and Accelerate is priced on request. Prices exclude VAT, are charged per legal entity, and no annual price is published.

  • Yes. EUR Global Accounts come with an IBAN, and Airwallex says accounts are created in the business’s name. Its German, Dutch and Estonian EUR accounts receive SEPA, SEPA Instant and TARGET2 payments, but not SWIFT.

  • Yes. A SWIFT OUR transfer costs £20, and the sender pays the intermediary banks’ fees. A shared-fee (SHA) transfer costs £10, and the recipient may receive less.

  • 0.5% above the interbank rate for AUD, USD, HKD, CNY, JPY, EUR, GBP, CAD, CHF, NZD and SGD, and 1% for every other currency. Locking a rate through the API or booking a future conversion costs extra.

  • Only as payouts. Airwallex can pay out USDC on Ethereum from a USD balance, in early access, through its API, once an account manager turns it on. No official page says the account can receive, hold or convert stablecoins, and a help article says crypto transactions aren’t facilitated.

  • Not by default. Airwallex’s UK Acceptable Use Policy lists crypto, crypto-asset and stablecoin businesses as restricted activities that need its approval.

  • Yes. Each account has receiving addresses for USDC on seven networks and EURC on three, and companies outside the EEA can also receive USDT, PYUSD and USDG.

Sources and limits

Prices change, and Airwallex’s differ by country. Airwallex’s figures are its UK prices, checked on 28 October 2026; Holyheld’s fees are on its pricing page.

Airwallex’s pages disagree on crypto. A help article says it can’t facilitate crypto transactions, its UK Acceptable Use Policy lets crypto businesses apply for approval, and its developer docs offer USDC payouts.

Holyheld is invite only. Each application is reviewed, and companies whose needs Holyheld can support are invited.

Not everything is compared. Cards, spend management, bill pay and payment acceptance are outside this page.

Airwallex’s pages were read on 28 October 2026.

Apply for Business membership

Named USD and EUR accounts, stablecoin conversion and swaps in the account, with a dedicated concierge.

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Apply for your company. We review each application and invite companies whose needs we can support.

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