[{"data":1,"prerenderedAt":3782},["ShallowReactive",2],{"\u002Fguides\u002Fcustodial-vs-non-custodial-wallets":3,"payment-guides":451},{"id":4,"title":5,"body":6,"description":437,"extension":438,"meta":439,"navigation":440,"path":446,"seo":447,"sitemap":448,"stem":449,"__hash__":450},"content\u002Fguides\u002F07.custodial-vs-non-custodial-wallets.md","Custodial vs non-custodial wallets for business payments — Holyheld",{"type":7,"value":8,"toc":417},"minimark",[9,14,18,23,46,50,149,153,169,175,179,199,207,210,217,220,224,244,252,256,262,282,286,323,336,343,347,352,355,359,362,366,369,373,376,380,383],[10,11,13],"h1",{"id":12},"custodial-vs-non-custodial-wallets-for-business-payments","Custodial vs non-custodial wallets for business payments",[15,16,17],"p",{},"A custodial wallet is an account at an exchange or custodian that holds the private keys and moves funds on your instructions; a non-custodial wallet, also called self-custody, is one where your company holds the keys and signs every transaction itself. For business payments, the choice decides who can approve a payment, how you get access back if a key or login is lost, and how you prove the wallet belongs to your company.",[19,20,22],"h2",{"id":21},"best-for","Best for",[24,25,26,34,40],"ul",{},[27,28,29,33],"li",{},[30,31,32],"strong",{},"Custodial:"," a team that wants logins it can recover and already holds or trades funds at an exchange.",[27,35,36,39],{},[30,37,38],{},"Non-custodial:"," a company that wants approvals enforced by signatures, such as a Safe that needs 2 of 3 directors to sign.",[27,41,42,45],{},[30,43,44],{},"Both:"," many companies receive into one and pay from the other. What matters is knowing which is which on every payment.",[19,47,49],{"id":48},"at-a-glance","At a glance",[51,52,53,68],"table",{},[54,55,56],"thead",{},[57,58,59,62,65],"tr",{},[60,61],"th",{},[60,63,64],{},"Custodial (exchange or custodian)",[60,66,67],{},"Non-custodial (self-custody)",[69,70,71,83,94,105,116,127,138],"tbody",{},[57,72,73,77,80],{},[74,75,76],"td",{},"Who holds the private keys",[74,78,79],{},"The provider",[74,81,82],{},"Your company",[57,84,85,88,91],{},[74,86,87],{},"Examples",[74,89,90],{},"Accounts at Binance, Coinbase or Kraken",[74,92,93],{},"MetaMask, Ledger, Safe",[57,95,96,99,102],{},[74,97,98],{},"Who approves a payment",[74,100,101],{},"Your team, in the provider's app and under its rules",[74,103,104],{},"Whoever holds the keys; a Safe needs its set number of owners to sign",[57,106,107,110,113],{},[74,108,109],{},"Getting access back",[74,111,112],{},"The provider's account recovery",[74,114,115],{},"The seed phrase, or the other owners of a multisig",[57,117,118,121,124],{},[74,119,120],{},"Receiving address",[74,122,123],{},"The address the provider shows you for receiving",[74,125,126],{},"An address your wallet derives from your keys",[57,128,129,132,135],{},[74,130,131],{},"Cost of sending",[74,133,134],{},"The provider's withdrawal fee, if any, plus the network fee",[74,136,137],{},"The network fee",[57,139,140,143,146],{},[74,141,142],{},"Proving to Holyheld it's yours",[74,144,145],{},"Name who holds it; nothing is signed",[74,147,148],{},"Sign a message from the wallet, with no network fee",[19,150,152],{"id":151},"who-holds-the-keys-decides-the-rest","Who holds the keys decides the rest",[15,154,155,156,163,164,168],{},"A private key is what signs a transaction, so whoever holds it has custody of the funds (",[157,158,162],"a",{"href":159,"rel":160},"https:\u002F\u002Fethereum.org\u002Fdevelopers\u002Fdocs\u002Faccounts\u002F",[161],"nofollow","ethereum.org","). A wallet app such as MetaMask doesn't hold your funds; it is a window onto them with tools to manage them (",[157,165,162],{"href":166,"rel":167},"https:\u002F\u002Fethereum.org\u002Fwallets\u002F",[161],").",[15,170,171,172,168],{},"An exchange account works the other way round. The exchange holds the keys and links the account to a username and password you can recover the usual way, and in return you trust it with custody of the funds (",[157,173,162],{"href":166,"rel":174},[161],[19,176,178],{"id":177},"approving-payments","Approving payments",[24,180,181,187,193],{},[27,182,183,186],{},[30,184,185],{},"At an exchange,"," who can send and how much is set by the provider's own roles and settings, and your team works within them.",[27,188,189,192],{},[30,190,191],{},"In a single-key wallet,"," anyone with the key or seed phrase can send. That suits one person, not a finance team.",[27,194,195,198],{},[30,196,197],{},"In a multisig such as Safe,"," a payment needs a set number of owner signatures, such as 2 of 3. No single person can move funds alone.",[15,200,201,202,206],{},"Payments you send from your Holyheld account follow your company's ",[157,203,205],{"href":204},"\u002Fchangelog\u002Fpayment-rules","payment rules",": your directors decide which payments one of them can send alone and which need two or more, such as a payment above an amount, past a daily limit or to a new payee.",[19,208,109],{"id":209},"getting-access-back",[15,211,212,213,216],{},"At an exchange, a lost password goes through the provider's account recovery. A self-custody wallet usually gives you a seed phrase to write down, and that phrase is the only way to recover it (",[157,214,162],{"href":166,"rel":215},[161],"). Nobody can restore a lost seed phrase for you.",[15,218,219],{},"A multisig spreads that risk. A Safe that needs 2 of 3 signatures keeps working if one owner loses their key, because the other two can still sign.",[19,221,223],{"id":222},"getting-paid-into-each","Getting paid into each",[24,225,226,232,238],{},[27,227,228,231],{},[30,229,230],{},"Into an exchange account,"," use the address the exchange shows for receiving, on the network it names. Give the payer both.",[27,233,234,237],{},[30,235,236],{},"Into a self-custody wallet,"," the address looks the same on Ethereum, Base and Arbitrum, so agree the network as well as the address.",[27,239,240,243],{},[30,241,242],{},"Into a Safe,"," agree the network the Safe was created on, such as \"Safe 2-of-3 on Base\".",[15,245,246,247,251],{},"Which network to use is its own decision: ",[157,248,250],{"href":249},"\u002Fguides\u002Fwhich-network-to-receive-usdc-on","Which network to receive USDC on"," compares Ethereum, Base, Arbitrum and Solana.",[19,253,255],{"id":254},"proving-a-wallet-is-your-companys","Proving a wallet is your company's",[15,257,258,259],{},"Holyheld confirms that a wallet belongs to your company when you add it, and the form first asks ",[30,260,261],{},"How is this wallet held?",[24,263,264,270,276],{},[27,265,266,269],{},[30,267,268],{},"Self-custody."," You sign a message from the wallet, such as MetaMask, Ledger or Safe. Signing doesn't send a transaction or create a record on the blockchain. A Solana wallet such as Phantom, Solflare or Backpack can sign automatically.",[27,271,272,275],{},[30,273,274],{},"A Safe with several signers."," Holyheld collects the co-signers' signatures itself, and the Safe is verified once enough owners have signed in Safe{Wallet}, within 7 days.",[27,277,278,281],{},[30,279,280],{},"Exchange or custodian."," Nothing is signed, because you have no keys to sign with. You enter who holds it and the address they show you for receiving, and the wallet is labelled with its holder, such as \"At Kraken\".",[19,283,285],{"id":284},"what-it-costs","What it costs",[51,287,288,301],{},[54,289,290],{},[57,291,292,295,298],{},[60,293,294],{},"Step",[60,296,297],{},"From an exchange account",[60,299,300],{},"From a self-custody wallet",[69,302,303,312],{},[57,304,305,308,310],{},[74,306,307],{},"Sending the stablecoin",[74,309,134],{},[74,311,137],{},[57,313,314,317,320],{},[74,315,316],{},"Verifying the wallet with Holyheld",[74,318,319],{},"Nothing to sign",[74,321,322],{},"A signed message, with no network fee",[15,324,325,326,330,331,335],{},"The ",[157,327,329],{"href":328},"\u002Foff-ramp","off-ramp"," explains converting the stablecoin to USD or EUR, and Holyheld's fees are on the ",[157,332,334],{"href":333},"\u002Fpricing","pricing page",".",[15,337,338,339,335],{},"To pay a supplier from either kind of wallet, read ",[157,340,342],{"href":341},"\u002Fguides\u002Fpay-suppliers-in-stablecoins","How to pay suppliers in stablecoins",[19,344,346],{"id":345},"common-questions","Common questions",[348,349,351],"h3",{"id":350},"is-a-safe-multisig-custodial-or-non-custodial","Is a Safe multisig custodial or non-custodial?",[15,353,354],{},"Non-custodial. Its owners hold the keys, and a payment needs the number of owner signatures the Safe is set to, such as 2 of 3.",[348,356,358],{"id":357},"can-a-company-receive-a-stablecoin-payment-straight-into-an-exchange-account","Can a company receive a stablecoin payment straight into an exchange account?",[15,360,361],{},"Yes, if the exchange supports that asset on that network. Use the address the exchange shows for receiving, and give the payer the network as well as the address.",[348,363,365],{"id":364},"what-happens-if-we-lose-the-keys-to-a-self-custody-wallet","What happens if we lose the keys to a self-custody wallet?",[15,367,368],{},"Nobody can restore them for you: the seed phrase is the only way to recover a single-key wallet. A multisig such as a Safe keeps working while enough of its other owners can still sign.",[348,370,372],{"id":371},"does-verifying-a-wallet-cost-a-network-fee","Does verifying a wallet cost a network fee?",[15,374,375],{},"No. Signing the message doesn't send a transaction, so no network fee is paid. An exchange account is verified by naming who holds it, with nothing to sign.",[19,377,379],{"id":378},"sources","Sources",[15,381,382],{},"All checked on 27 October 2026.",[24,384,385,392,399,411],{},[27,386,387,391],{},[157,388,390],{"href":159,"rel":389},[161],"ethereum.org: accounts",": private keys and custody.",[27,393,394,398],{},[157,395,397],{"href":166,"rel":396},[161],"ethereum.org: wallets",": wallet apps, exchange accounts and seed phrases.",[27,400,401,405,406,410],{},[157,402,404],{"href":403},"\u002Fchangelog\u002Fexchange-and-solana-wallets","Exchange accounts and Solana wallets"," and ",[157,407,409],{"href":408},"\u002Fchangelog\u002Fsafe-co-signers","Verify a Safe with several signers",": how Holyheld verifies each kind of wallet.",[27,412,413,416],{},[157,414,415],{"href":333},"Holyheld Business pricing",": membership and transfer fees.",{"title":418,"searchDepth":419,"depth":419,"links":420},"",2,[421,422,423,424,425,426,427,428,429,436],{"id":21,"depth":419,"text":22},{"id":48,"depth":419,"text":49},{"id":151,"depth":419,"text":152},{"id":177,"depth":419,"text":178},{"id":209,"depth":419,"text":109},{"id":222,"depth":419,"text":223},{"id":254,"depth":419,"text":255},{"id":284,"depth":419,"text":285},{"id":345,"depth":419,"text":346,"children":430},[431,433,434,435],{"id":350,"depth":432,"text":351},3,{"id":357,"depth":432,"text":358},{"id":364,"depth":432,"text":365},{"id":371,"depth":432,"text":372},{"id":378,"depth":419,"text":379},"Who holds the keys, who approves a payment and how you get access back: exchange accounts and self-custody wallets compared for business payments.","md",{},{"title":13,"description":441,"label":442,"published":443,"modified":444,"cta":445},"Who holds the keys, who approves a payment, how recovery works and how to prove a wallet is your company's.","Stablecoins","2026-10-27","2026-10-28","Save your company's self-custody wallets, Safes and exchange accounts, and convert stablecoins to USD or EUR in the same account.","\u002Fguides\u002Fcustodial-vs-non-custodial-wallets",{"title":5,"description":437},{"loc":446},"guides\u002F07.custodial-vs-non-custodial-wallets","K8SdYYOn4HSi6wkW_foj1q6eYlHzYD7xl8ZCEOdDpbE",[452,738,1121,1455,1830,2136,2526,2792,2972,3130,3390],{"id":4,"title":5,"body":453,"description":437,"extension":438,"meta":734,"navigation":735,"path":446,"seo":736,"sitemap":737,"stem":449,"__hash__":450},{"type":7,"value":454,"toc":717},[455,457,459,461,475,477,547,549,557,562,564,578,582,584,589,591,593,607,611,613,617,631,633,663,669,673,675,677,679,681,683,685,687,689,691,693,695],[10,456,13],{"id":12},[15,458,17],{},[19,460,22],{"id":21},[24,462,463,467,471],{},[27,464,465,33],{},[30,466,32],{},[27,468,469,39],{},[30,470,38],{},[27,472,473,45],{},[30,474,44],{},[19,476,49],{"id":48},[51,478,479,489],{},[54,480,481],{},[57,482,483,485,487],{},[60,484],{},[60,486,64],{},[60,488,67],{},[69,490,491,499,507,515,523,531,539],{},[57,492,493,495,497],{},[74,494,76],{},[74,496,79],{},[74,498,82],{},[57,500,501,503,505],{},[74,502,87],{},[74,504,90],{},[74,506,93],{},[57,508,509,511,513],{},[74,510,98],{},[74,512,101],{},[74,514,104],{},[57,516,517,519,521],{},[74,518,109],{},[74,520,112],{},[74,522,115],{},[57,524,525,527,529],{},[74,526,120],{},[74,528,123],{},[74,530,126],{},[57,532,533,535,537],{},[74,534,131],{},[74,536,134],{},[74,538,137],{},[57,540,541,543,545],{},[74,542,142],{},[74,544,145],{},[74,546,148],{},[19,548,152],{"id":151},[15,550,155,551,163,554,168],{},[157,552,162],{"href":159,"rel":553},[161],[157,555,162],{"href":166,"rel":556},[161],[15,558,171,559,168],{},[157,560,162],{"href":166,"rel":561},[161],[19,563,178],{"id":177},[24,565,566,570,574],{},[27,567,568,186],{},[30,569,185],{},[27,571,572,192],{},[30,573,191],{},[27,575,576,198],{},[30,577,197],{},[15,579,201,580,206],{},[157,581,205],{"href":204},[19,583,109],{"id":209},[15,585,212,586,216],{},[157,587,162],{"href":166,"rel":588},[161],[15,590,219],{},[19,592,223],{"id":222},[24,594,595,599,603],{},[27,596,597,231],{},[30,598,230],{},[27,600,601,237],{},[30,602,236],{},[27,604,605,243],{},[30,606,242],{},[15,608,246,609,251],{},[157,610,250],{"href":249},[19,612,255],{"id":254},[15,614,258,615],{},[30,616,261],{},[24,618,619,623,627],{},[27,620,621,269],{},[30,622,268],{},[27,624,625,275],{},[30,626,274],{},[27,628,629,281],{},[30,630,280],{},[19,632,285],{"id":284},[51,634,635,645],{},[54,636,637],{},[57,638,639,641,643],{},[60,640,294],{},[60,642,297],{},[60,644,300],{},[69,646,647,655],{},[57,648,649,651,653],{},[74,650,307],{},[74,652,134],{},[74,654,137],{},[57,656,657,659,661],{},[74,658,316],{},[74,660,319],{},[74,662,322],{},[15,664,325,665,330,667,335],{},[157,666,329],{"href":328},[157,668,334],{"href":333},[15,670,338,671,335],{},[157,672,342],{"href":341},[19,674,346],{"id":345},[348,676,351],{"id":350},[15,678,354],{},[348,680,358],{"id":357},[15,682,361],{},[348,684,365],{"id":364},[15,686,368],{},[348,688,372],{"id":371},[15,690,375],{},[19,692,379],{"id":378},[15,694,382],{},[24,696,697,702,707,713],{},[27,698,699,391],{},[157,700,390],{"href":159,"rel":701},[161],[27,703,704,398],{},[157,705,397],{"href":166,"rel":706},[161],[27,708,709,405,711,410],{},[157,710,404],{"href":403},[157,712,409],{"href":408},[27,714,715,416],{},[157,716,415],{"href":333},{"title":418,"searchDepth":419,"depth":419,"links":718},[719,720,721,722,723,724,725,726,727,733],{"id":21,"depth":419,"text":22},{"id":48,"depth":419,"text":49},{"id":151,"depth":419,"text":152},{"id":177,"depth":419,"text":178},{"id":209,"depth":419,"text":109},{"id":222,"depth":419,"text":223},{"id":254,"depth":419,"text":255},{"id":284,"depth":419,"text":285},{"id":345,"depth":419,"text":346,"children":728},[729,730,731,732],{"id":350,"depth":432,"text":351},{"id":357,"depth":432,"text":358},{"id":364,"depth":432,"text":365},{"id":371,"depth":432,"text":372},{"id":378,"depth":419,"text":379},{},{"title":13,"description":441,"label":442,"published":443,"modified":444,"cta":445},{"title":5,"description":437},{"loc":446},{"id":739,"title":740,"body":741,"description":1110,"extension":438,"meta":1111,"navigation":1112,"path":1116,"seo":1117,"sitemap":1118,"stem":1119,"__hash__":1120},"content\u002Fguides\u002F12.get-paid-by-invoice-in-usdc-or-eurc.md","Get paid by invoice in USDC or EURC — Holyheld",{"type":7,"value":742,"toc":1092},[743,747,752,754,765,790,794,797,799,884,888,922,925,929,932,935,939,946,949,953,979,982,984,1016,1026,1028,1032,1035,1039,1042,1046,1049,1053,1056,1060,1063,1065],[10,744,746],{"id":745},"get-paid-by-invoice-in-usdc-or-eurc","Get paid by invoice in USDC or EURC",[15,748,749,750,335],{},"To get paid in USDC or EURC, issue the invoice in that currency from Holyheld and send your customer its pay link: they open it, pay from their wallet or by scanning a QR code, and the invoice shows the payment as it arrives. The payer needs no Holyheld account, and once the payment arrives you can convert it to USD or EUR through the ",[157,751,329],{"href":328},[19,753,22],{"id":21},[24,755,756,759,762],{},[27,757,758],{},"A company billing customers who hold USDC or EURC.",[27,760,761],{},"A finance team that wants each stablecoin payment matched to its invoice, without chasing transaction hashes.",[27,763,764],{},"Repeat billing, such as a monthly retainer paid in USDC.",[766,767,769],"payment-flow",{"label":768},"Getting paid by invoice in USDC or EURC",[770,771,772,778,784],"ol",{},[27,773,774,777],{},[30,775,776],{},"Issue the invoice","\nIn USDC or EURC, with the wallet it is paid into.",[27,779,780,783],{},[30,781,782],{},"Send the pay link","\nWith the invoice, so the customer can pay in a few steps.",[27,785,786,789],{},[30,787,788],{},"Watch it arrive","\nEach transfer shows on the invoice as it is detected and credited.",[19,791,793],{"id":792},"what-a-pay-link-is","What a pay link is",[15,795,796],{},"A crypto payment link is a web page for one invoice that shows what is owed and lets the customer pay it from a wallet or by sending the amount themselves. Every USDC and EURC invoice from Holyheld comes with one.",[19,798,49],{"id":48},[51,800,801,810],{},[54,802,803],{},[57,804,805,807],{},[60,806],{},[60,808,809],{},"How it works",[69,811,812,820,828,836,844,852,860,868,876],{},[57,813,814,817],{},[74,815,816],{},"Invoice currencies",[74,818,819],{},"USD, EUR, USDC and EURC",[57,821,822,825],{},[74,823,824],{},"Pay link",[74,826,827],{},"On every USDC and EURC invoice",[57,829,830,833],{},[74,831,832],{},"What the payer needs",[74,834,835],{},"A wallet holding the token; no Holyheld account",[57,837,838,841],{},[74,839,840],{},"Ways to pay",[74,842,843],{},"Connect wallet: a browser wallet, a phone wallet through WalletConnect, or Coinbase Smart Wallet, and Phantom or Solflare on Solana. Or send manually, with the address, the exact amount and a QR code",[57,845,846,849],{},[74,847,848],{},"Network",[74,850,851],{},"The network named on the invoice comes first, and the amount is the same on each network offered",[57,853,854,857],{},[74,855,856],{},"Part payments",[74,858,859],{},"The page shows what is left to pay",[57,861,862,865],{},[74,863,864],{},"Status the payer sees",[74,866,867],{},"Awaiting payment, then Payment received, finalising, then Paid",[57,869,870,873],{},[74,871,872],{},"Receipt",[74,874,875],{},"The payer can ask for one by email",[57,877,878,881],{},[74,879,880],{},"Languages",[74,882,883],{},"The pay page follows the payer's language, in all five of the app's languages",[19,885,887],{"id":886},"create-the-invoice","Create the invoice",[770,889,890,896,902,908],{},[27,891,892,895],{},[30,893,894],{},"Choose who you are billing."," Select a saved customer or add a new one.",[27,897,898,901],{},[30,899,900],{},"Fill in the details."," A number is reserved from your prefix as soon as you start, and can't be used twice. Add items yourself or from your catalog, and set the currency to USDC or EURC, the dates, any discount, the tax percent and a memo.",[27,903,904,907],{},[30,905,906],{},"Choose where it is paid."," A USDC or EURC invoice is paid into one of your wallets, and its details are printed on the invoice.",[27,909,910,913,914,917,918,921],{},[30,911,912],{},"Send it."," ",[30,915,916],{},"Send Invoice"," emails it with the PDF attached, or ",[30,919,920],{},"Save as Draft"," keeps it unsent. An invoice dated in the future goes out on its issue date.",[15,923,924],{},"The pay link is on the invoice, ready to copy and send with it.",[19,926,928],{"id":927},"what-your-customer-sees","What your customer sees",[15,930,931],{},"The pay page shows the invoice number, the issue and due dates and the amount due. The customer picks a network, then either connects a wallet or sends the amount manually. A payment made through a connected wallet carries the invoice's reference, so it is matched to the invoice. On Solana, the QR code fills in the amount and the reference too.",[15,933,934],{},"Before a manual transfer, the page warns that another token, or the same token on another network, can be lost. If a payment may already have left the payer's wallet, the page says so before it offers to pay again.",[19,936,938],{"id":937},"what-you-see","What you see",[15,940,941,942,945],{},"The invoice shows a ",[30,943,944],{},"Crypto payment"," block with the network, token and address, what has been received and what is left to pay, and each transfer as it is detected and credited. You get a notification when a payment for an invoice is detected.",[15,947,948],{},"A transaction hash the payer pastes is kept as a note on the invoice. It doesn't mark the invoice paid; only the payment itself does.",[19,950,952],{"id":951},"follow-up-and-repeat","Follow up and repeat",[24,954,955,961,970],{},[27,956,957,960],{},[30,958,959],{},"Statuses."," Draft, Scheduled, Unpaid, Overdue, Paid or Voided, with the total outstanding above the list.",[27,962,963,913,966,969],{},[30,964,965],{},"Reminders.",[30,967,968],{},"Remind"," emails the customer a payment reminder, once a day at most.",[27,971,972,913,975,978],{},[30,973,974],{},"Repeat billing.",[30,976,977],{},"Repeat this invoice"," issues a new one every so many days, weeks, months or years, until a date, after a number of invoices, or with no end.",[15,980,981],{},"In Accounting, the accrual basis books payments linked to invoices against receivables, and each settled payment becomes a record you categorise and export for your books.",[19,983,285],{"id":284},[51,985,986,995],{},[54,987,988],{},[57,989,990,992],{},[60,991,294],{},[60,993,994],{},"Cost",[69,996,997,1005],{},[57,998,999,1002],{},[74,1000,1001],{},"The customer's transfer",[74,1003,1004],{},"The network fee, paid by the customer",[57,1006,1007,1010],{},[74,1008,1009],{},"Converting USDC or EURC to USD or EUR, swaps and payouts",[74,1011,1012,1013],{},"See ",[157,1014,1015],{"href":333},"pricing",[15,1017,1018,1019,1021,1022,335],{},"Which network to offer is its own decision: ",[157,1020,250],{"href":249}," compares the fees and timing. For invoices paid by bank transfer, read ",[157,1023,1025],{"href":1024},"\u002Fguides\u002Freceiving-usd-eur-business-payments","Receiving USD and EUR payments for your company",[19,1027,346],{"id":345},[348,1029,1031],{"id":1030},"does-my-customer-need-a-holyheld-account-to-pay-a-usdc-invoice","Does my customer need a Holyheld account to pay a USDC invoice?",[15,1033,1034],{},"No. They open the pay link and pay from their own wallet, or send the amount to the address shown.",[348,1036,1038],{"id":1037},"which-networks-can-my-customer-pay-on","Which networks can my customer pay on?",[15,1040,1041],{},"The network named on the invoice comes first, and the amount is the same on each network offered. Holyheld works with supported networks including Ethereum, Arbitrum, Base and Solana.",[348,1043,1045],{"id":1044},"what-happens-if-the-customer-pays-only-part-of-the-invoice","What happens if the customer pays only part of the invoice?",[15,1047,1048],{},"The pay page shows what is left to pay, and the invoice's Crypto payment block shows what has been received and what is still owed.",[348,1050,1052],{"id":1051},"does-a-transaction-hash-from-the-customer-mark-the-invoice-paid","Does a transaction hash from the customer mark the invoice paid?",[15,1054,1055],{},"No. A pasted hash is kept as a note on the invoice. Only the payment itself, once detected and credited, marks the invoice paid.",[348,1057,1059],{"id":1058},"can-i-invoice-in-eurc-as-well-as-usdc","Can I invoice in EURC as well as USDC?",[15,1061,1062],{},"Yes. EURC invoices come with a pay link, the same as USDC invoices.",[19,1064,379],{"id":378},[24,1066,1067,1074,1081,1088],{},[27,1068,1069,1073],{},[157,1070,1072],{"href":1071},"\u002Fchangelog\u002Finvoicing","Invoicing",": creating, sending, repeating and following up invoices.",[27,1075,1076,1080],{},[157,1077,1079],{"href":1078},"\u002Fchangelog\u002Fcrypto-payment-links","Crypto payment links for invoices",": the pay page, what you see and the safeguards.",[27,1082,1083,1087],{},[157,1084,1086],{"href":1085},"\u002Fchangelog\u002Faccounting","Accounting",": records, the accrual basis and exports.",[27,1089,1090,416],{},[157,1091,415],{"href":333},{"title":418,"searchDepth":419,"depth":419,"links":1093},[1094,1095,1096,1097,1098,1099,1100,1101,1102,1109],{"id":21,"depth":419,"text":22},{"id":792,"depth":419,"text":793},{"id":48,"depth":419,"text":49},{"id":886,"depth":419,"text":887},{"id":927,"depth":419,"text":928},{"id":937,"depth":419,"text":938},{"id":951,"depth":419,"text":952},{"id":284,"depth":419,"text":285},{"id":345,"depth":419,"text":346,"children":1103},[1104,1105,1106,1107,1108],{"id":1030,"depth":432,"text":1031},{"id":1037,"depth":432,"text":1038},{"id":1044,"depth":432,"text":1045},{"id":1051,"depth":432,"text":1052},{"id":1058,"depth":432,"text":1059},{"id":378,"depth":419,"text":379},"Issue a USDC or EURC invoice, send its pay link and watch the payment arrive: how customers pay from a wallet or by QR code, without a Holyheld account.",{},{"title":746,"description":1113,"label":1114,"published":443,"modified":444,"cta":1115},"Issue the invoice, send its pay link and see the payment arrive, with no Holyheld account needed by the payer.","Invoices","Invoicing in USD, EUR, USDC and EURC, with crypto pay links and conversion to USD or EUR.","\u002Fguides\u002Fget-paid-by-invoice-in-usdc-or-eurc",{"title":740,"description":1110},{"loc":1116},"guides\u002F12.get-paid-by-invoice-in-usdc-or-eurc","-IB6MunbRBqaReiueVqz90GlAAcBQ5VC5GbKp5lB1lQ",{"id":1122,"title":1123,"body":1124,"description":1443,"extension":438,"meta":1444,"navigation":1445,"path":1450,"seo":1451,"sitemap":1452,"stem":1453,"__hash__":1454},"content\u002Fguides\u002F03.holyheld-vs-mercury.md","Holyheld vs Mercury: business accounts compared — Holyheld",{"type":7,"value":1125,"toc":1431},[1126,1130,1133,1135,1154,1156,1315,1326,1330,1336,1347,1351,1373,1375,1379,1385,1389,1395,1399,1402,1404],[10,1127,1129],{"id":1128},"holyheld-vs-mercury-business-accounts-compared","Holyheld vs Mercury: business accounts compared",[15,1131,1132],{},"Mercury fits a company formed in the United States that pays mostly in USD by bank transfer, because its domestic and USD international wires are free. Holyheld Business fits a company that needs named USD and EUR accounts and moves money between bank payments and stablecoins in the same account.",[19,1134,22],{"id":21},[24,1136,1137,1143,1149],{},[27,1138,1139,1142],{},[30,1140,1141],{},"Mercury:"," a US-formed company paying and getting paid in USD by bank transfer, that wants a free base plan.",[27,1144,1145,1148],{},[30,1146,1147],{},"Holyheld:"," a company paid in stablecoins that settles its costs in USD or EUR.",[27,1150,1151,1153],{},[30,1152,1147],{}," a company that needs a named EUR account alongside its USD account.",[19,1155,49],{"id":48},[51,1157,1158,1170],{},[54,1159,1160],{},[57,1161,1162,1164,1167],{},[60,1163],{},[60,1165,1166],{},"Holyheld Business",[60,1168,1169],{},"Mercury",[69,1171,1172,1188,1199,1213,1225,1236,1248,1259,1270,1282,1293,1304],{},[57,1173,1174,1177,1180],{},[74,1175,1176],{},"Who can open an account",[74,1178,1179],{},"Companies apply, and each application is reviewed",[74,1181,1182,1183,1187],{},"Companies formed and registered in the US or a US territory (",[157,1184,1169],{"href":1185,"rel":1186},"https:\u002F\u002Fmercury.com\u002Ffaq",[161],")",[57,1189,1190,1193,1196],{},[74,1191,1192],{},"Account currencies",[74,1194,1195],{},"Named USD and EUR accounts",[74,1197,1198],{},"USD; non-USD wires carry a 1% exchange fee",[57,1200,1201,1203,1206],{},[74,1202,442],{},[74,1204,1205],{},"Held, swapped and converted in the account",[74,1207,1208,1209,1187],{},"Accounts hold fiat only (",[157,1210,1169],{"href":1211,"rel":1212},"https:\u002F\u002Fmercury.com\u002Fweb3",[161],[57,1214,1215,1218,1222],{},[74,1216,1217],{},"Price per month",[74,1219,1012,1220],{},[157,1221,1015],{"href":333},[74,1223,1224],{},"$0",[57,1226,1227,1230,1234],{},[74,1228,1229],{},"Domestic wire",[74,1231,1012,1232],{},[157,1233,1015],{"href":333},[74,1235,1224],{},[57,1237,1238,1241,1245],{},[74,1239,1240],{},"International USD wire, recipient gets the full amount (OUR)",[74,1242,1012,1243],{},[157,1244,1015],{"href":333},[74,1246,1247],{},"$15",[57,1249,1250,1253,1257],{},[74,1251,1252],{},"Same-day ACH",[74,1254,1012,1255],{},[157,1256,1015],{"href":333},[74,1258,1224],{},[57,1260,1261,1264,1268],{},[74,1262,1263],{},"Outgoing FedNow or RTP",[74,1265,1012,1266],{},[157,1267,1015],{"href":333},[74,1269,1224],{},[57,1271,1272,1275,1279],{},[74,1273,1274],{},"SEPA transfer",[74,1276,1012,1277],{},[157,1278,1015],{"href":333},[74,1280,1281],{},"—",[57,1283,1284,1287,1291],{},[74,1285,1286],{},"Stablecoin swap",[74,1288,1012,1289],{},[157,1290,1015],{"href":333},[74,1292,1281],{},[57,1294,1295,1298,1302],{},[74,1296,1297],{},"On-ramp or off-ramp transfer",[74,1299,1012,1300],{},[157,1301,1015],{"href":333},[74,1303,1281],{},[57,1305,1306,1309,1312],{},[74,1307,1308],{},"Support",[74,1310,1311],{},"A dedicated concierge in in-app chat",[74,1313,1314],{},"Priority support on paid plans; a relationship manager on Mercury Pro",[15,1316,1317,1318,1321,1322,168],{},"Mercury's paid plans start at $35 a month (",[157,1319,1169],{"href":1185,"rel":1320},[161],"). Its international USD wires are free when sent the standard way (SHA), but intermediary banks may then deduct fees from what the recipient receives (",[157,1323,1169],{"href":1324,"rel":1325},"https:\u002F\u002Fmercury.com\u002Fpricing",[161],[19,1327,1329],{"id":1328},"stablecoins-are-the-main-difference","Stablecoins are the main difference",[15,1331,1332,1333,168],{},"Mercury states that its accounts can currently only hold fiat. A stablecoin payment means sending funds to a third-party exchange first, at that exchange's prices (",[157,1334,1169],{"href":1211,"rel":1335},[161],[15,1337,1338,1339,1341,1342,1346],{},"With Holyheld, conversion happens in the account: ",[157,1340,329],{"href":328}," transfers turn supported stablecoins into USD or EUR, ",[157,1343,1345],{"href":1344},"\u002Fon-ramp","on-ramp"," transfers do the reverse, and swaps exchange one stablecoin for another. Holyheld works with supported networks including Ethereum, Arbitrum, Base and Solana.",[19,1348,1350],{"id":1349},"limits-of-this-comparison","Limits of this comparison",[24,1352,1353,1361,1367],{},[27,1354,1355,1358,1359,335],{},[30,1356,1357],{},"Prices change."," Mercury's figures were checked on 23 October 2026; Holyheld's fees are on its ",[157,1360,334],{"href":333},[27,1362,1363,1366],{},[30,1364,1365],{},"Holyheld is invite only."," Each application is reviewed, and companies whose needs Holyheld can support are invited.",[27,1368,1369,1372],{},[30,1370,1371],{},"Not everything is compared."," Cards, credit and Mercury's Treasury product are outside this page.",[19,1374,346],{"id":345},[348,1376,1378],{"id":1377},"can-a-company-formed-outside-the-us-open-a-mercury-account","Can a company formed outside the US open a Mercury account?",[15,1380,1381,1382,168],{},"Mercury's FAQ says its customers must be formed and registered in the United States or a US territory (",[157,1383,1169],{"href":1185,"rel":1384},[161],[348,1386,1388],{"id":1387},"does-mercury-support-stablecoins","Does Mercury support stablecoins?",[15,1390,1391,1392,168],{},"Mercury says its accounts can currently only hold fiat. You can send funds from a Mercury account to a crypto exchange (",[157,1393,1169],{"href":1211,"rel":1394},[161],[348,1396,1398],{"id":1397},"can-one-company-hold-both-usd-and-eur-with-holyheld","Can one company hold both USD and EUR with Holyheld?",[15,1400,1401],{},"Yes. Named USD and EUR accounts are available for companies.",[19,1403,379],{"id":378},[24,1405,1406,1413,1420,1427],{},[27,1407,1408,1412],{},[157,1409,1411],{"href":1324,"rel":1410},[161],"Mercury pricing",": plans, wire fees, the $15 OUR option and real-time payments. Checked on 23 October 2026.",[27,1414,1415,1419],{},[157,1416,1418],{"href":1185,"rel":1417},[161],"Mercury FAQ",": eligibility and paid plans from $35 a month.",[27,1421,1422,1426],{},[157,1423,1425],{"href":1211,"rel":1424},[161],"Mercury for crypto and web3 companies",": fiat-only accounts.",[27,1428,1429,416],{},[157,1430,415],{"href":333},{"title":418,"searchDepth":419,"depth":419,"links":1432},[1433,1434,1435,1436,1437,1442],{"id":21,"depth":419,"text":22},{"id":48,"depth":419,"text":49},{"id":1328,"depth":419,"text":1329},{"id":1349,"depth":419,"text":1350},{"id":345,"depth":419,"text":346,"children":1438},[1439,1440,1441],{"id":1377,"depth":432,"text":1378},{"id":1387,"depth":432,"text":1388},{"id":1397,"depth":432,"text":1398},{"id":378,"depth":419,"text":379},"Eligibility, currencies, stablecoins and support compared, with Mercury's fees, for companies choosing between Holyheld Business and Mercury.",{},{"title":1129,"description":1446,"label":1447,"published":1448,"modified":444,"cta":1449},"Compare eligibility, account currencies, stablecoin support, Mercury's fees and support before you choose.","Comparisons","2026-10-23","Named USD and EUR accounts, stablecoin conversion and swaps in the account, with a dedicated concierge.","\u002Fguides\u002Fholyheld-vs-mercury",{"title":1123,"description":1443},{"loc":1450},"guides\u002F03.holyheld-vs-mercury","M9Q3nslHPQHBQLA0aaZp3Gt9EMH_qkl5KpUaGtg7lQM",{"id":1456,"title":1457,"body":1458,"description":1821,"extension":438,"meta":1822,"navigation":1823,"path":1825,"seo":1826,"sitemap":1827,"stem":1828,"__hash__":1829},"content\u002Fguides\u002F09.holyheld-vs-revolut-business.md","Holyheld vs Revolut Business: accounts and stablecoins compared — Holyheld",{"type":7,"value":1459,"toc":1808},[1460,1464,1467,1469,1492,1494,1497,1641,1661,1665,1680,1687,1689,1708,1715,1717,1721,1727,1731,1734,1738,1744,1748,1751,1753,1756],[10,1461,1463],{"id":1462},"holyheld-vs-revolut-business-accounts-and-stablecoins-compared","Holyheld vs Revolut Business: accounts and stablecoins compared",[15,1465,1466],{},"Revolut Business fits a company registered in the UK or the EEA that pays in many currencies, because it supports more than 25 currencies and includes a monthly allowance of exchange at the interbank rate. Holyheld Business fits a company that is paid in stablecoins and settles in USD or EUR, converting between them in the same account and sending wires so the recipient receives the full amount.",[19,1468,22],{"id":21},[24,1470,1471,1477,1482,1487],{},[27,1472,1473,1476],{},[30,1474,1475],{},"Revolut Business:"," a UK or EEA company holding and exchanging many currencies, where the plan's exchange allowance covers most conversions.",[27,1478,1479,1481],{},[30,1480,1475],{}," a team that sends many international payments, since the Scale plan includes 25 a month.",[27,1483,1484,1486],{},[30,1485,1147],{}," a company paid in USDC or EURC that converts it to USD or EUR in the account it pays from.",[27,1488,1489,1491],{},[30,1490,1147],{}," a company that wants a dedicated concierge on its plan rather than an account manager on an enterprise plan.",[19,1493,49],{"id":48},[15,1495,1496],{},"Revolut Business figures are its UK prices as listed on 27 October 2026.",[51,1498,1499,1510],{},[54,1500,1501],{},[57,1502,1503,1505,1507],{},[60,1504],{},[60,1506,1166],{},[60,1508,1509],{},"Revolut Business",[69,1511,1512,1526,1536,1550,1562,1573,1584,1596,1608,1621,1632],{},[57,1513,1514,1516,1518],{},[74,1515,1176],{},[74,1517,1179],{},[74,1519,1520,1521,1187],{},"Companies registered, with a physical presence, in the UK or the EEA, or in the US, with the applicant living in a supported country (",[157,1522,1525],{"href":1523,"rel":1524},"https:\u002F\u002Fhelp.revolut.com\u002Fbusiness\u002Fhelp\u002Fsetting-up-an-account\u002Fis-my-business-eligible\u002Fwhat-country-of-residence-is-eligible-to-open-a-revolut-business-account\u002F",[161],"Revolut",[57,1527,1528,1530,1533],{},[74,1529,1192],{},[74,1531,1532],{},"Named USD and EUR accounts; GBP received by Faster Payments is credited in USD",[74,1534,1535],{},"More than 25 currencies",[57,1537,1538,1540,1543],{},[74,1539,442],{},[74,1541,1542],{},"Supported stablecoins, including USDC and EURC, held, swapped and converted in the account",[74,1544,1545,1546,1187],{},"Buy, sell and hold crypto, including USDC and USDT; transfers to and from outside wallets depend on the plan and location (",[157,1547,1525],{"href":1548,"rel":1549},"https:\u002F\u002Fwww.revolut.com\u002Fen-GB\u002Flegal\u002Fcrypto-for-business-terms\u002F",[161],[57,1551,1552,1555,1559],{},[74,1553,1554],{},"Converting stablecoins to or from fiat",[74,1556,1012,1557],{},[157,1558,1015],{"href":333},[74,1560,1561],{},"1.49% on Basic, 0.99% on Grow, 0.49% on Scale, plus the spread in the rate",[57,1563,1564,1567,1570],{},[74,1565,1566],{},"Sending USDC to an outside wallet",[74,1568,1569],{},"Supported from the app",[74,1571,1572],{},"£5 plus the network fee",[57,1574,1575,1577,1581],{},[74,1576,1217],{},[74,1578,1012,1579],{},[157,1580,1015],{"href":333},[74,1582,1583],{},"£10 on Basic, £35 on Grow, £125 on Scale",[57,1585,1586,1589,1593],{},[74,1587,1588],{},"Price per year",[74,1590,1012,1591],{},[157,1592,1015],{"href":333},[74,1594,1595],{},"£360 on Grow, £1,080 on Scale",[57,1597,1598,1601,1605],{},[74,1599,1600],{},"Local transfers",[74,1602,1012,1603],{},[157,1604,1015],{"href":333},[74,1606,1607],{},"UK transfers: 10, 100 or 1,000 free a month by plan, then £0.20 each",[57,1609,1610,1613,1618],{},[74,1611,1612],{},"International transfer",[74,1614,1615,1616],{},"By wire, sent so the recipient receives the full amount; see ",[157,1617,1015],{"href":333},[74,1619,1620],{},"£5 each beyond 0, 5 or 25 free a month by plan; \"Pay All Fees\" £20 per transfer",[57,1622,1623,1626,1629],{},[74,1624,1625],{},"Currency exchange",[74,1627,1628],{},"The rate and the amount to receive are shown before you confirm",[74,1630,1631],{},"The interbank rate up to £1,000, £15,000 or £60,000 a month by plan, then 0.6%; 1% outside market hours",[57,1633,1634,1636,1638],{},[74,1635,1308],{},[74,1637,1311],{},[74,1639,1640],{},"24\u002F7 support chat in English on every plan; an account manager on Enterprise",[15,1642,1643,1644,1649,1650,1655,1656,335],{},"Revolut's plan and transfer fees are from its ",[157,1645,1648],{"href":1646,"rel":1647},"https:\u002F\u002Fwww.revolut.com\u002Fen-GB\u002Flegal\u002Fbusiness-fees-all-plans-current\u002F",[161],"UK fee schedule",", its crypto fees from its ",[157,1651,1654],{"href":1652,"rel":1653},"https:\u002F\u002Fwww.revolut.com\u002Fen-GB\u002Flegal\u002Fexchangingcryptocurrenciesbusinessfees\u002F",[161],"crypto fee schedule",", and its currencies and support from its ",[157,1657,1660],{"href":1658,"rel":1659},"https:\u002F\u002Fwww.revolut.com\u002Fen-GB\u002Fbusiness\u002Fbusiness-account-plans\u002F",[161],"plans page",[19,1662,1664],{"id":1663},"stablecoins-an-asset-to-trade-or-money-to-settle","Stablecoins: an asset to trade, or money to settle",[15,1666,1667,1668,1673,1674,1679],{},"Revolut Business treats crypto mainly as an asset: a business can buy, hold and sell it in the app, and its ",[157,1669,1672],{"href":1670,"rel":1671},"https:\u002F\u002Fwww.revolut.com\u002Fen-GB\u002Fbusiness\u002Fcrypto-business\u002F",[161],"Crypto for Business"," page says businesses can send and receive stablecoins such as USDT and USDC. Its terms make transfers to and from outside wallets depend on being on an eligible plan and in an eligible location, and a ",[157,1675,1678],{"href":1676,"rel":1677},"https:\u002F\u002Fhelp.revolut.com\u002Fbusiness\u002Fhelp\u002Fmanaging-my-business\u002Fcryptocurrencies\u002Fwhat-can-t-i-do-with-revolut-cryptocurrency\u002Fcan-i-send-cryptocurrencies-from-my-revolut-business-account\u002F",[161],"help centre article"," says Business accounts can't send or receive crypto. Check in the app what your plan and country allow.",[15,1681,1682,1683,1686],{},"Holyheld treats stablecoins as a way to pay and get paid. ",[157,1684,1685],{"href":328},"Off-ramp"," transfers turn supported stablecoins into USD or EUR, on-ramp transfers do the reverse, and swaps exchange one stablecoin for another. Holyheld works with supported networks including Ethereum, Arbitrum, Base and Solana.",[19,1688,1350],{"id":1349},[24,1690,1691,1699,1703],{},[27,1692,1693,1696,1697,335],{},[30,1694,1695],{},"Prices change, and Revolut's differ by country."," Revolut's figures are its UK prices, checked on 27 October 2026; Holyheld's fees are on its ",[157,1698,334],{"href":333},[27,1700,1701,1366],{},[30,1702,1365],{},[27,1704,1705,1707],{},[30,1706,1371],{}," Cards, payment acceptance, expense tools and treasury products are outside this page.",[15,1709,1710,1711,335],{},"For another comparison, read ",[157,1712,1714],{"href":1713},"\u002Fguides\u002Fholyheld-vs-wise-business","Holyheld vs Wise Business",[19,1716,346],{"id":345},[348,1718,1720],{"id":1719},"which-companies-can-open-a-revolut-business-account","Which companies can open a Revolut Business account?",[15,1722,1723,1724,168],{},"Revolut's help centre says the company must be registered, and able to prove its physical presence, in the UK or the EEA, and the applicant must live in a supported country. Companies registered in the US have their own list of supported countries (",[157,1725,1525],{"href":1523,"rel":1726},[161],[348,1728,1730],{"id":1729},"can-a-revolut-business-account-send-and-receive-stablecoins","Can a Revolut Business account send and receive stablecoins?",[15,1732,1733],{},"It depends on the plan and the country. Revolut's terms allow transfers to and from outside wallets on an eligible plan and in an eligible location, while one of its help centre articles says Business accounts can't send or receive crypto.",[348,1735,1737],{"id":1736},"what-does-revolut-business-charge-to-convert-crypto","What does Revolut Business charge to convert crypto?",[15,1739,1740,1741,168],{},"A fixed fee of 1.49% on Basic, 0.99% on Grow and 0.49% on Scale and Enterprise, plus a spread included in the rate. Sending USDC to an outside wallet costs £5 plus the network fee (",[157,1742,1525],{"href":1652,"rel":1743},[161],[348,1745,1747],{"id":1746},"does-holyheld-hold-currencies-other-than-usd-and-eur","Does Holyheld hold currencies other than USD and EUR?",[15,1749,1750],{},"Holyheld Business has named USD and EUR accounts. Pounds received over Faster Payments are converted and credited to the USD account, and UK accounts can be paid in pounds from a USD account.",[19,1752,379],{"id":378},[15,1754,1755],{},"All checked on 27 October 2026, on Revolut's UK site.",[24,1757,1758,1765,1772,1779,1790,1797,1804],{},[27,1759,1760,1764],{},[157,1761,1763],{"href":1658,"rel":1762},[161],"Revolut Business plans",": currencies, allowances and support by plan.",[27,1766,1767,1771],{},[157,1768,1770],{"href":1646,"rel":1769},[161],"Revolut Business fees, all plans",": plan fees, transfers and currency exchange.",[27,1773,1774,1778],{},[157,1775,1777],{"href":1652,"rel":1776},[161],"Revolut Business crypto fees",": conversion fees and withdrawal fees.",[27,1780,1781,405,1785,1789],{},[157,1782,1784],{"href":1670,"rel":1783},[161],"Revolut Crypto for Business",[157,1786,1788],{"href":1548,"rel":1787},[161],"Crypto for Business Terms",": what businesses can do with crypto, and the plan and location condition.",[27,1791,1792,1796],{},[157,1793,1795],{"href":1676,"rel":1794},[161],"Revolut help: sending and receiving crypto",": the help centre's answer for Business accounts.",[27,1798,1799,1803],{},[157,1800,1802],{"href":1523,"rel":1801},[161],"Revolut help: eligible countries",": who can apply.",[27,1805,1806,416],{},[157,1807,415],{"href":333},{"title":418,"searchDepth":419,"depth":419,"links":1809},[1810,1811,1812,1813,1814,1820],{"id":21,"depth":419,"text":22},{"id":48,"depth":419,"text":49},{"id":1663,"depth":419,"text":1664},{"id":1349,"depth":419,"text":1350},{"id":345,"depth":419,"text":346,"children":1815},[1816,1817,1818,1819],{"id":1719,"depth":432,"text":1720},{"id":1729,"depth":432,"text":1730},{"id":1736,"depth":432,"text":1737},{"id":1746,"depth":432,"text":1747},{"id":378,"depth":419,"text":379},"Eligibility, currencies, stablecoins and support compared, with Revolut's UK fees, for companies choosing between Holyheld Business and Revolut Business.",{},{"title":1463,"description":1824,"label":1447,"published":443,"modified":444,"cta":1449},"Compare who can open an account, account currencies, stablecoin support, Revolut's fees and support before you choose.","\u002Fguides\u002Fholyheld-vs-revolut-business",{"title":1457,"description":1821},{"loc":1825},"guides\u002F09.holyheld-vs-revolut-business","oIO-sjPxUNn-3eaEZQu0UgFumsnGmL1VNdu-Ik8DuFs",{"id":1831,"title":1832,"body":1833,"description":2128,"extension":438,"meta":2129,"navigation":2130,"path":1713,"seo":2132,"sitemap":2133,"stem":2134,"__hash__":2135},"content\u002Fguides\u002F10.holyheld-vs-wise-business.md","Holyheld vs Wise Business: accounts and stablecoins compared — Holyheld",{"type":7,"value":1834,"toc":2115},[1835,1839,1842,1844,1867,1869,1872,1993,2002,2004,2010,2015,2017,2036,2046,2048,2052,2055,2059,2065,2069,2072,2076,2079,2081],[10,1836,1838],{"id":1837},"holyheld-vs-wise-business-accounts-and-stablecoins-compared","Holyheld vs Wise Business: accounts and stablecoins compared",[15,1840,1841],{},"Wise Business fits a company that pays and gets paid by bank transfer in many currencies, with account details in 22 currencies, a one-time £50 set-up fee and no monthly plan. Holyheld Business fits a company that also works in stablecoins, which Wise doesn't allow: Holyheld converts between stablecoins and USD or EUR in the same account.",[19,1843,22],{"id":21},[24,1845,1846,1852,1857,1862],{},[27,1847,1848,1851],{},[30,1849,1850],{},"Wise Business:"," a company invoicing customers in many currencies that wants local account details for each.",[27,1853,1854,1856],{},[30,1855,1850],{}," a company that receives USD wires often, at 6.11 USD per payment.",[27,1858,1859,1861],{},[30,1860,1147],{}," a company paid in USDC or EURC that settles its costs in USD or EUR.",[27,1863,1864,1866],{},[30,1865,1147],{}," a company that wants stablecoin conversion and bank transfers in one account.",[19,1868,49],{"id":48},[15,1870,1871],{},"Wise Business figures are its UK prices as listed on 27 October 2026.",[51,1873,1874,1885],{},[54,1875,1876],{},[57,1877,1878,1880,1882],{},[60,1879],{},[60,1881,1166],{},[60,1883,1884],{},"Wise Business",[69,1886,1887,1901,1910,1923,1935,1947,1956,1968,1980],{},[57,1888,1889,1891,1893],{},[74,1890,1176],{},[74,1892,1179],{},[74,1894,1895,1896,1187],{},"Sole traders and freelancers, limited and public companies, and partnerships, with some exceptions; not businesses involved in cryptocurrency (",[157,1897,1900],{"href":1898,"rel":1899},"https:\u002F\u002Fwise.com\u002Fhelp\u002Farticles\u002F2977974\u002Fcan-my-business-use-wise",[161],"Wise",[57,1902,1903,1905,1907],{},[74,1904,1192],{},[74,1906,1195],{},[74,1908,1909],{},"Account details to receive in 22 currencies",[57,1911,1912,1914,1916],{},[74,1913,442],{},[74,1915,1542],{},[74,1917,1918,1919,1187],{},"Not supported: a Wise account can't be used to buy, sell or trade crypto, or to send money to crypto wallets (",[157,1920,1900],{"href":1921,"rel":1922},"https:\u002F\u002Fwise.com\u002Fhelp\u002Farticles\u002F2v3OMcg97Z7gObSifJbjsu\u002Funderstanding-wises-position-on-cryptocurrency",[161],[57,1924,1925,1928,1932],{},[74,1926,1927],{},"Price",[74,1929,1012,1930],{},[157,1931,1015],{"href":333},[74,1933,1934],{},"Free to register; £50 once for account details",[57,1936,1937,1940,1944],{},[74,1938,1939],{},"Sending money",[74,1941,1012,1942],{},[157,1943,1015],{"href":333},[74,1945,1946],{},"From 0.24%, varying by currency",[57,1948,1949,1952,1954],{},[74,1950,1951],{},"Converting currencies",[74,1953,1628],{},[74,1955,1946],{},[57,1957,1958,1961,1965],{},[74,1959,1960],{},"Receiving local payments",[74,1962,1012,1963],{},[157,1964,1015],{"href":333},[74,1966,1967],{},"Free in AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD and USD",[57,1969,1970,1973,1977],{},[74,1971,1972],{},"Receiving a USD wire",[74,1974,1012,1975],{},[157,1976,1015],{"href":333},[74,1978,1979],{},"6.11 USD",[57,1981,1982,1984,1986],{},[74,1983,1308],{},[74,1985,1311],{},[74,1987,1988,1989,1187],{},"24\u002F7 by email, phone or chat (",[157,1990,1900],{"href":1991,"rel":1992},"https:\u002F\u002Fwise.com\u002Fgb\u002Fbusiness\u002F",[161],[15,1994,1995,1996,2001],{},"Wise's fees are from its ",[157,1997,2000],{"href":1998,"rel":1999},"https:\u002F\u002Fwise.com\u002Fgb\u002Fpricing\u002Fbusiness",[161],"business pricing page",", which also lists a volume discount on monthly transfers over 20,000 GBP.",[19,2003,1329],{"id":1328},[15,2005,2006,2007,168],{},"Wise says its accounts, personal and business, can't be used to buy, sell or trade cryptocurrencies. It doesn't allow sending money to crypto exchanges or crypto wallets, and it doesn't support businesses involved in the exchange or trading of cryptocurrencies (",[157,2008,1900],{"href":1921,"rel":2009},[161],[15,2011,2012,2013,1686],{},"With Holyheld, stablecoins sit next to the bank accounts. ",[157,2014,1685],{"href":328},[19,2016,1350],{"id":1349},[24,2018,2019,2027,2031],{},[27,2020,2021,2024,2025,335],{},[30,2022,2023],{},"Prices change, and Wise's differ by country and currency."," Wise's figures are its UK prices, checked on 27 October 2026; Holyheld's fees are on its ",[157,2026,334],{"href":333},[27,2028,2029,1366],{},[30,2030,1365],{},[27,2032,2033,2035],{},[30,2034,1371],{}," Cards, payment acceptance and Wise's investment products are outside this page.",[15,2037,1710,2038,2041,2042,335],{},[157,2039,2040],{"href":1825},"Holyheld vs Revolut Business",". To move stablecoins to a bank account, read ",[157,2043,2045],{"href":2044},"\u002Fguides\u002Fusdc-to-iban","How to off-ramp USDC to an IBAN",[19,2047,346],{"id":345},[348,2049,2051],{"id":2050},"can-a-wise-business-account-hold-or-send-stablecoins","Can a Wise Business account hold or send stablecoins?",[15,2053,2054],{},"No. Wise says a Wise account can't be used to buy, sell or trade cryptocurrencies, and that you can't send money to crypto exchanges or crypto wallets. The rules apply to personal and business accounts.",[348,2056,2058],{"id":2057},"can-a-crypto-company-open-a-wise-business-account","Can a crypto company open a Wise Business account?",[15,2060,2061,2062,168],{},"Wise lists businesses involved in cryptocurrency among those it doesn't work for, and says it may close a business account involved in the exchange or trading of cryptocurrencies (",[157,2063,1900],{"href":1898,"rel":2064},[161],[348,2066,2068],{"id":2067},"what-does-it-cost-to-open-a-wise-business-account","What does it cost to open a Wise Business account?",[15,2070,2071],{},"Registering is free. In the UK, getting account details to receive in 22 currencies costs £50 once, and Wise lists no monthly plan fee.",[348,2073,2075],{"id":2074},"can-holyheld-receive-a-usd-wire","Can Holyheld receive a USD wire?",[15,2077,2078],{},"Yes. The named USD account receives wires, domestic or international.",[19,2080,379],{"id":378},[24,2082,2083,2090,2097,2104,2111],{},[27,2084,2085,2089],{},[157,2086,2088],{"href":1998,"rel":2087},[161],"Wise Business pricing (UK)",": set-up fee, sending, converting and receiving fees, and the volume discount. Checked on 27 October 2026.",[27,2091,2092,2096],{},[157,2093,2095],{"href":1991,"rel":2094},[161],"Wise Business (UK)",": currencies and support channels. Checked on 27 October 2026.",[27,2098,2099,2103],{},[157,2100,2102],{"href":1898,"rel":2101},[161],"Wise help: can my business use Wise?",": who can open an account. Checked on 27 October 2026.",[27,2105,2106,2110],{},[157,2107,2109],{"href":1921,"rel":2108},[161],"Wise help: Wise's position on cryptocurrency",": what Wise accounts can't do with crypto. Checked on 27 October 2026.",[27,2112,2113,416],{},[157,2114,415],{"href":333},{"title":418,"searchDepth":419,"depth":419,"links":2116},[2117,2118,2119,2120,2121,2127],{"id":21,"depth":419,"text":22},{"id":48,"depth":419,"text":49},{"id":1328,"depth":419,"text":1329},{"id":1349,"depth":419,"text":1350},{"id":345,"depth":419,"text":346,"children":2122},[2123,2124,2125,2126],{"id":2050,"depth":432,"text":2051},{"id":2057,"depth":432,"text":2058},{"id":2067,"depth":432,"text":2068},{"id":2074,"depth":432,"text":2075},{"id":378,"depth":419,"text":379},"Eligibility, currencies, stablecoins and support compared, with Wise's UK fees, for companies choosing between Holyheld Business and Wise Business.",{},{"title":1838,"description":2131,"label":1447,"published":443,"modified":444,"cta":1449},"Compare who can open an account, account currencies, stablecoin support, Wise's fees and support before you choose.",{"title":1832,"description":2128},{"loc":1713},"guides\u002F10.holyheld-vs-wise-business","8w5GxZI-T2_f7GX_1qCRe0prj79Iev0K-IX6JEt4Z7s",{"id":2137,"title":2138,"body":2139,"description":2515,"extension":438,"meta":2516,"navigation":2517,"path":2521,"seo":2522,"sitemap":2523,"stem":2524,"__hash__":2525},"content\u002Fguides\u002F11.pay-contractors-in-usdc.md","Pay contractors in USDC or in their own currency — Holyheld",{"type":7,"value":2140,"toc":2497},[2141,2145,2148,2150,2161,2184,2188,2278,2282,2285,2314,2317,2320,2355,2361,2365,2371,2377,2381,2407,2411,2416,2419,2423,2426,2429,2431,2436,2438,2442,2445,2449,2452,2456,2459,2463,2469,2471],[10,2142,2144],{"id":2143},"pay-contractors-in-usdc-or-in-their-own-currency","Pay contractors in USDC or in their own currency",[15,2146,2147],{},"To pay contractors, ask each one how they want to be paid, save their wallet or bank details once, and pay everyone from the same account: USDC or EURC to a wallet, or USD, EUR or GBP to a bank. With Holyheld Business, a contractor's USDC is bought from your USD balance through an on-ramp transfer, and euros go out by SEPA from your EUR account.",[19,2149,22],{"id":21},[24,2151,2152,2155,2158],{},[27,2153,2154],{},"A company, or the legal entity behind a DAO, whose contributors want to be paid in USDC.",[27,2156,2157],{},"A team paying a mix of contractors, some in stablecoins and some by SEPA, ACH, wire or Faster Payments.",[27,2159,2160],{},"A finance lead who wants two directors to approve large payments and first payments to new contractors.",[766,2162,2164],{"label":2163},"Paying a contractor, in USDC or by bank",[770,2165,2166,2172,2178],{},[27,2167,2168,2171],{},[30,2169,2170],{},"Agree how they are paid","\nThe currency or token, the network or bank details, and the invoice reference.",[27,2173,2174,2177],{},[30,2175,2176],{},"Save their details once","\nTheir wallet or bank account, checked before the first payment.",[27,2179,2180,2183],{},[30,2181,2182],{},"Pay and record it","\nSend from USD or EUR, approved by your rules, with the record kept for your books.",[19,2185,2187],{"id":2186},"ways-to-pay-a-contractor","Ways to pay a contractor",[51,2189,2190,2203],{},[54,2191,2192],{},[57,2193,2194,2197,2200],{},[60,2195,2196],{},"The contractor wants",[60,2198,2199],{},"Paid from",[60,2201,2202],{},"Sent by",[69,2204,2205,2216,2226,2236,2245,2255,2265],{},[57,2206,2207,2210,2213],{},[74,2208,2209],{},"USDC to a wallet",[74,2211,2212],{},"Your USD account",[74,2214,2215],{},"On-ramp transfer, on the contractor's network",[57,2217,2218,2221,2224],{},[74,2219,2220],{},"EURC to a wallet",[74,2222,2223],{},"Your EUR account",[74,2225,2215],{},[57,2227,2228,2231,2233],{},[74,2229,2230],{},"EUR to a bank account",[74,2232,2223],{},[74,2234,2235],{},"SEPA",[57,2237,2238,2241,2243],{},[74,2239,2240],{},"USD to a US bank account",[74,2242,2212],{},[74,2244,1252],{},[57,2246,2247,2250,2252],{},[74,2248,2249],{},"USD to a bank abroad",[74,2251,2212],{},[74,2253,2254],{},"Wire, sent so they receive the full amount",[57,2256,2257,2260,2262],{},[74,2258,2259],{},"GBP to a UK bank account",[74,2261,2212],{},[74,2263,2264],{},"Faster Payments, converted from USD",[57,2266,2267,2270,2272],{},[74,2268,2269],{},"Another token on an EVM network",[74,2271,2212],{},[74,2273,2274,2277],{},[30,2275,2276],{},"Pay the vendor in",", which buys the token",[19,2279,2281],{"id":2280},"agree-how-each-contractor-is-paid","Agree how each contractor is paid",[15,2283,2284],{},"Settle these points before the first payment and keep them on the contractor's record:",[24,2286,2287,2293,2302,2308],{},[27,2288,2289,2292],{},[30,2290,2291],{},"Currency or token."," USDC, EURC, or USD, EUR or GBP, and who bears any difference if the invoice is in one currency and paid in another.",[27,2294,2295,2298,2299,2301],{},[30,2296,2297],{},"Network, for stablecoins."," The network they receive on, such as Base or Solana. ",[157,2300,250],{"href":249}," explains the choice.",[27,2303,2304,2307],{},[30,2305,2306],{},"Where it goes."," The wallet address, or the bank account and the name on it.",[27,2309,2310,2313],{},[30,2311,2312],{},"Reference."," Their invoice number, so each payment matches a bill.",[15,2315,2316],{},"If a contractor needs a currency other than USD, EUR or GBP, a USD wire is sent so they receive the full amount, and their bank converts it at its own rate. A provider with local payouts in that currency may suit them better.",[19,2318,2176],{"id":2319},"save-their-details-once",[24,2321,2322,2332],{},[27,2323,2324,2327,2328,2331],{},[30,2325,2326],{},"A wallet."," In ",[30,2329,2330],{},"Add Crypto Wallet",", choose the network, USDC or EURC as the currency, and enter the address. A Solana address is checked as valid before it is saved.",[27,2333,2334,2327,2337,2340,2341,2344,2345,2344,2348,2351,2352,335],{},[30,2335,2336],{},"A bank account.",[30,2338,2339],{},"Add Bank Account",", enter the account details. For Faster Payments, the name is checked with the recipient's bank and shows as ",[30,2342,2343],{},"Name confirmed",", ",[30,2346,2347],{},"Close match",[30,2349,2350],{},"No match"," or ",[30,2353,2354],{},"Name not checked",[15,2356,2357,2358,2360],{},"Confirm a new or changed wallet address through a separate channel, such as a call to a known contact, and send a small test payment first. ",[157,2359,342],{"href":341}," covers the checks in full.",[19,2362,2364],{"id":2363},"pay-in-usdc-or-eurc","Pay in USDC or EURC",[15,2366,2367,2368,2370],{},"A wallet saved in USDC is paid from your USD account, and one saved in EURC from your EUR account, through an ",[157,2369,1345],{"href":1344}," transfer. Paying a wallet from the account in the other currency is refused on the screen, with a prompt to choose another wallet or account.",[15,2372,2373,2374,2376],{},"On EVM networks, ",[30,2375,2276],{}," lets you buy a different token for a contractor from your USD account. The quote shows about how much they receive and the least they will receive, and you agree to that minimum before anything is sent. On Solana, contractors are paid in USDC or EURC only.",[19,2378,2380],{"id":2379},"pay-in-their-own-currency","Pay in their own currency",[24,2382,2383,2389,2395,2401],{},[27,2384,2385,2388],{},[30,2386,2387],{},"EUR by SEPA"," goes from your EUR account.",[27,2390,2391,2394],{},[30,2392,2393],{},"USD by same-day ACH"," or outgoing FedNow goes from your USD account.",[27,2396,2397,2400],{},[30,2398,2399],{},"USD by wire"," can be domestic or international, and international wires are sent so the recipient receives the full amount.",[27,2402,2403,2406],{},[30,2404,2405],{},"GBP by Faster Payments"," is paid from your USD account: you enter what the contractor gets in pounds, and the screen shows what you pay in dollars and the rate. The app lists Faster Payments as up to 30 minutes, 24\u002F7.",[19,2408,2410],{"id":2409},"approve-payments-the-way-your-directors-decide","Approve payments the way your directors decide",[15,2412,2413,2414,168],{},"Payment rules let your directors decide which payments one of them can send alone and which need two or more of them. A rule can cover any payment above an amount, a daily limit per director, or the first payment to new bank details or a new wallet, whatever the amount. The last approval sends the payment, and a request that doesn't get enough approvals within 7 days expires with no money sent (",[157,2415,205],{"href":204},[15,2417,2418],{},"With team roles, an Assistant can prepare a payment that a Director approves.",[19,2420,2422],{"id":2421},"keep-the-records-together","Keep the records together",[15,2424,2425],{},"Every settled payment becomes a record in Accounting, where you categorise it, split it across categories or tag it by project, and export it for QuickBooks, Xero or your accountant. For a stablecoin payment, keep the transaction hash with the contractor's invoice number: the hash proves the payment onchain, and the invoice number ties it to your books.",[15,2427,2428],{},"This guide covers contractors who invoice you. Paying employees through payroll involves tax and reporting rules outside it.",[19,2430,285],{"id":284},[15,2432,2433,2434,335],{},"Payments to wallets carry the network fee, set by the network. Holyheld's on-ramp and transfer fees are on the ",[157,2435,334],{"href":333},[19,2437,346],{"id":345},[348,2439,2441],{"id":2440},"can-a-dao-pay-its-contributors-in-usdc-this-way","Can a DAO pay its contributors in USDC this way?",[15,2443,2444],{},"Holyheld Business is for companies, and each application is reviewed. A DAO that pays contributors through a legal entity, such as a foundation, applies as that entity.",[348,2446,2448],{"id":2447},"can-contractors-be-paid-in-usdc-on-solana","Can contractors be paid in USDC on Solana?",[15,2450,2451],{},"Yes. Save their Solana wallet with USDC or EURC as the currency, and pay it from your USD or EUR account in the same Send Money flow as wallets on other networks.",[348,2453,2455],{"id":2454},"can-two-directors-be-required-to-approve-contractor-payments","Can two directors be required to approve contractor payments?",[15,2457,2458],{},"Yes. Payment rules can require two or more directors for payments above an amount, past a daily limit or to a new payee. They need at least two directors, and only directors can change them.",[348,2460,2462],{"id":2461},"can-a-contractor-be-paid-in-a-token-other-than-usdc","Can a contractor be paid in a token other than USDC?",[15,2464,2465,2466,2468],{},"On EVM networks, yes: from a USD account, the ",[30,2467,2276],{}," option buys the token the contractor names, priced before you send. On Solana, payments are in USDC or EURC only.",[19,2470,379],{"id":378},[24,2472,2473,2493],{},[27,2474,2475,2344,2479,2344,2483,2344,2487,405,2490,2492],{},[157,2476,2478],{"href":2477},"\u002Fchangelog\u002Fsolana-payouts","Pay vendors on Solana",[157,2480,2482],{"href":2481},"\u002Fchangelog\u002Fpay-in-the-vendors-token","Pay in the vendor's own token",[157,2484,2486],{"href":2485},"\u002Fchangelog\u002Ffaster-payments","Faster Payments in GBP",[157,2488,2489],{"href":204},"Payments that need more than one director",[157,2491,1086],{"href":1085},": how each step works in Holyheld.",[27,2494,2495,416],{},[157,2496,415],{"href":333},{"title":418,"searchDepth":419,"depth":419,"links":2498},[2499,2500,2501,2502,2503,2504,2505,2506,2507,2508,2514],{"id":21,"depth":419,"text":22},{"id":2186,"depth":419,"text":2187},{"id":2280,"depth":419,"text":2281},{"id":2319,"depth":419,"text":2176},{"id":2363,"depth":419,"text":2364},{"id":2379,"depth":419,"text":2380},{"id":2409,"depth":419,"text":2410},{"id":2421,"depth":419,"text":2422},{"id":284,"depth":419,"text":285},{"id":345,"depth":419,"text":346,"children":2509},[2510,2511,2512,2513],{"id":2440,"depth":432,"text":2441},{"id":2447,"depth":432,"text":2448},{"id":2454,"depth":432,"text":2455},{"id":2461,"depth":432,"text":2462},{"id":378,"depth":419,"text":379},"Pay each contractor their way, USDC or EURC to a wallet or USD, EUR or GBP to a bank, from one account, with director approvals and records for your books.",{},{"title":2144,"description":2518,"label":2519,"published":443,"modified":444,"cta":2520},"Save each contractor's wallet or bank details, pay in USDC, EURC, USD, EUR or GBP, and keep approvals and records in one place.","Payments","Pay contractors' wallets in USDC or EURC from USD or EUR, or their banks by SEPA, ACH, wire or Faster Payments, with approvals by your directors.","\u002Fguides\u002Fpay-contractors-in-usdc",{"title":2138,"description":2515},{"loc":2521},"guides\u002F11.pay-contractors-in-usdc","YBUVoJZ-rGy6d4qYFrNa6x99oT4TwOV6sZNX4XFmta4",{"id":2527,"title":2528,"body":2529,"description":2783,"extension":438,"meta":2784,"navigation":2785,"path":341,"seo":2788,"sitemap":2789,"stem":2790,"__hash__":2791},"content\u002Fguides\u002F05.pay-suppliers-in-stablecoins.md","How to pay suppliers in stablecoins — Holyheld",{"type":7,"value":2530,"toc":2768},[2531,2534,2537,2539,2550,2573,2577,2580,2611,2615,2623,2632,2635,2638,2661,2664,2668,2671,2674,2676,2705,2709,2716,2718,2722,2725,2729,2732,2736,2739,2741],[10,2532,342],{"id":2533},"how-to-pay-suppliers-in-stablecoins",[15,2535,2536],{},"To pay a supplier in stablecoins, agree the asset, network and wallet address in writing, fund the payment from fiat or an existing stablecoin balance, and keep the transaction hash with the invoice. With Holyheld Business, the on-ramp, the swap and the payment happen in one account, and each transaction syncs to QuickBooks Online, Xero or Sage.",[19,2538,22],{"id":21},[24,2540,2541,2544,2547],{},[27,2542,2543],{},"Paying a supplier or contractor who invoices in USDC.",[27,2545,2546],{},"Funding those payments from the USD or EUR the company holds.",[27,2548,2549],{},"Matching each onchain payment to its invoice in QuickBooks Online, Xero or Sage.",[766,2551,2553],{"label":2552},"Supplier payment: from fiat to stablecoins",[770,2554,2555,2561,2567],{},[27,2556,2557,2560],{},[30,2558,2559],{},"Agree the payment terms","\nAsset, network, wallet address and invoice currency, in writing.",[27,2562,2563,2566],{},[30,2564,2565],{},"Fund the payment","\nConvert USD or EUR, or swap the stablecoin you hold.",[27,2568,2569,2572],{},[30,2570,2571],{},"Send and record it","\nKeep the transaction hash with the invoice number.",[19,2574,2576],{"id":2575},"agree-the-payment-terms-with-the-supplier","Agree the payment terms with the supplier",[15,2578,2579],{},"Settle these points before the first payment, and keep them with the supplier's record:",[24,2581,2582,2588,2599,2605],{},[27,2583,2584,2587],{},[30,2585,2586],{},"Invoice currency."," Whether the invoice is in USD, EUR or a stablecoin amount, and who bears any conversion difference.",[27,2589,2590,2593,2594,335],{},[30,2591,2592],{},"Asset."," The specific stablecoin, for example USDC. Circle distinguishes ",[157,2595,2598],{"href":2596,"rel":2597},"https:\u002F\u002Fwww.circle.com\u002Fbridged-usdc",[161],"native USDC from bridged USDC",[27,2600,2601,2604],{},[30,2602,2603],{},"Network."," The network the supplier receives on. The same ticker can exist on several networks.",[27,2606,2607,2610],{},[30,2608,2609],{},"Wallet address."," The supplier's receiving address on that network.",[19,2612,2614],{"id":2613},"verify-the-wallet-address","Verify the wallet address",[15,2616,2617,2618,168],{},"Treat a new or changed wallet address the way you would treat new bank details: confirm it through a separate channel, such as a call to a known contact, before paying. Changed payment details are how business email compromise works; the FBI's IC3 recorded 21,442 such complaints in 2024, with close to $2.8 billion lost (",[157,2619,2622],{"href":2620,"rel":2621},"https:\u002F\u002Fwww.nacha.org\u002Fnews\u002Ffbis-ic3-finds-almost-85-billion-lost-business-email-compromise-last-three-years",[161],"Nacha",[15,2624,2625,2626,2631],{},"On blockchains, attackers also plant look-alike addresses in your transaction history; one study counted 270 million attempts (",[157,2627,2630],{"href":2628,"rel":2629},"https:\u002F\u002Fwww.usenix.org\u002Fconference\u002Fusenixsecurity25\u002Fpresentation\u002Ftsuchiya",[161],"USENIX Security 2025","). Copy the address from the supplier's confirmed record, never from history, and send a small test payment to a new supplier first.",[19,2633,2565],{"id":2634},"fund-the-payment",[15,2636,2637],{},"Pay from whichever balance the company holds:",[24,2639,2640,2646,2652],{},[27,2641,2642,2645],{},[30,2643,2644],{},"A stablecoin balance in the right asset."," Send it directly.",[27,2647,2648,2651],{},[30,2649,2650],{},"A different stablecoin."," Swap it first.",[27,2653,2654,2657,2658,2660],{},[30,2655,2656],{},"USD or EUR."," Convert it with an ",[157,2659,1345],{"href":1344}," transfer.",[15,2662,2663],{},"Holyheld works with supported networks including Ethereum, Arbitrum, Base and Solana. Check the asset and network combination available for your payment before you confirm it.",[19,2665,2667],{"id":2666},"send-the-payment-and-keep-the-record","Send the payment and keep the record",[15,2669,2670],{},"For each payment, keep the invoice number, the asset, the network, the amount sent, the conversion details and fees, and the transaction hash. The hash proves the payment onchain; the invoice number ties it to your books.",[15,2672,2673],{},"Holyheld syncs transactions with QuickBooks Online, Xero and Sage, and monthly statements download from the Documents tab. With team roles, an assistant can prepare a payment that a director approves.",[19,2675,285],{"id":284},[51,2677,2678,2686],{},[54,2679,2680],{},[57,2681,2682,2684],{},[60,2683,294],{},[60,2685,994],{},[69,2687,2688,2696],{},[57,2689,2690,2693],{},[74,2691,2692],{},"The onchain transfer to the supplier",[74,2694,2695],{},"The network fee, set by the network",[57,2697,2698,2701],{},[74,2699,2700],{},"Swap, or on-ramp transfer from USD or EUR",[74,2702,1012,2703],{},[157,2704,1015],{"href":333},[19,2706,2708],{"id":2707},"when-a-bank-payment-is-the-better-choice","When a bank payment is the better choice",[15,2710,2711,2712,2715],{},"If the supplier prefers fiat, or needs a bank reference for its own accounts, pay by SEPA or wire instead. When your company holds stablecoins and the supplier wants a bank transfer, ",[157,2713,2714],{"href":2044},"off-ramp the stablecoins to an IBAN"," first.",[19,2717,346],{"id":345},[348,2719,2721],{"id":2720},"can-a-stablecoin-payment-be-reversed","Can a stablecoin payment be reversed?",[15,2723,2724],{},"Not by the sender. Once the transfer is confirmed on the network, only the recipient can send the funds back, which is why the address is verified before paying.",[348,2726,2728],{"id":2727},"how-do-i-record-a-stablecoin-supplier-payment-in-xero-or-quickbooks","How do I record a stablecoin supplier payment in Xero or QuickBooks?",[15,2730,2731],{},"Holyheld syncs the transaction to QuickBooks Online, Xero or Sage. Match it to the supplier's bill using the invoice number you kept with the transaction hash.",[348,2733,2735],{"id":2734},"which-stablecoins-and-networks-can-i-use","Which stablecoins and networks can I use?",[15,2737,2738],{},"Holyheld works with supported networks including Ethereum, Arbitrum, Base and Solana, and the list of supported stablecoins and networks keeps expanding. Check the combination available in your account.",[19,2740,379],{"id":378},[24,2742,2743,2750,2757,2764],{},[27,2744,2745,2749],{},[157,2746,2748],{"href":2620,"rel":2747},[161],"Nacha, on the FBI IC3 2024 report",": business email compromise complaints and losses.",[27,2751,2752,2756],{},[157,2753,2755],{"href":2628,"rel":2754},[161],"Tsuchiya, Dong, Soska and Christin, \"Blockchain Address Poisoning\", USENIX Security 2025",": address-poisoning attempts.",[27,2758,2759,2763],{},[157,2760,2762],{"href":2596,"rel":2761},[161],"Circle: bridged USDC",": how native and bridged USDC differ.",[27,2765,2766,416],{},[157,2767,415],{"href":333},{"title":418,"searchDepth":419,"depth":419,"links":2769},[2770,2771,2772,2773,2774,2775,2776,2777,2782],{"id":21,"depth":419,"text":22},{"id":2575,"depth":419,"text":2576},{"id":2613,"depth":419,"text":2614},{"id":2634,"depth":419,"text":2565},{"id":2666,"depth":419,"text":2667},{"id":284,"depth":419,"text":285},{"id":2707,"depth":419,"text":2708},{"id":345,"depth":419,"text":346,"children":2778},[2779,2780,2781],{"id":2720,"depth":432,"text":2721},{"id":2727,"depth":432,"text":2728},{"id":2734,"depth":432,"text":2735},{"id":378,"depth":419,"text":379},"Agree the asset, network and wallet with the supplier, fund the payment from USD, EUR or stablecoins, and keep the records your accounts need.",{},{"title":342,"description":2786,"label":442,"published":1448,"modified":444,"cta":2787},"Agree the terms, verify the wallet, fund the payment and keep a record that reconciles with the invoice.","On-ramp from USD or EUR, swap between stablecoins, and sync transactions to QuickBooks Online, Xero and Sage.",{"title":2528,"description":2783},{"loc":341},"guides\u002F05.pay-suppliers-in-stablecoins","WKAGGegw64RVYfzcXXEao1ddgCAIAucqwooasPXhljU",{"id":2793,"title":2794,"body":2795,"description":2962,"extension":438,"meta":2963,"navigation":2964,"path":1024,"seo":2968,"sitemap":2969,"stem":2970,"__hash__":2971},"content\u002Fguides\u002F01.receiving-usd-eur-business-payments.md","Receiving USD and EUR payments for your company — Holyheld",{"type":7,"value":2796,"toc":2955},[2797,2800,2803,2806,2810,2813,2816,2819,2823,2826,2862,2871,2879,2883,2886,2889,2911,2914,2917,2921,2924,2933,2936,2940,2947],[10,2798,1025],{"id":2799},"receiving-usd-and-eur-payments-for-your-company",[15,2801,2802],{},"Receiving a business payment starts with a simple agreement: which currency is owed, which account should receive it and which reference connects the transfer to the invoice. Getting those details right reduces follow-up work for both finance teams.",[15,2804,2805],{},"Holyheld Business provides named USD and EUR accounts alongside global payments and native stablecoin support. This guide explains how to organise a bank-payment workflow around those accounts.",[19,2807,2809],{"id":2808},"match-the-invoice-currency-to-the-receiving-account","Match the invoice currency to the receiving account",[15,2811,2812],{},"For a USD invoice, provide the USD account details. For a EUR invoice, provide the EUR details. Use the beneficiary name and payment instructions supplied for the account, and check that they belong to the company issuing the invoice.",[15,2814,2815],{},"If you manage several companies, establish which entity owns the receivable before sharing any details. Holyheld supports multiple entities, virtual accounts and team permissions, helping you organise company finances without losing that distinction.",[15,2817,2818],{},"Agree any currency conversion before the customer sends money. An invoice for EUR and a payment in USD involve an exchange rate as well as a transfer; the amount sent alone does not tell you whether the invoice has been paid in full.",[19,2820,2822],{"id":2821},"give-the-customer-instructions-for-the-payment-route","Give the customer instructions for the payment route",[15,2824,2825],{},"Different payment routes can require different details. Share the instructions for the route being used, rather than a cropped account number or an old invoice template.",[51,2827,2828,2838],{},[54,2829,2830],{},[57,2831,2832,2835],{},[60,2833,2834],{},"Payment",[60,2836,2837],{},"Details to check before sending",[69,2839,2840,2848,2855],{},[57,2841,2842,2845],{},[74,2843,2844],{},"USD by ACH",[74,2846,2847],{},"Beneficiary name, account number and the routing details supplied for ACH",[57,2849,2850,2852],{},[74,2851,2399],{},[74,2853,2854],{},"Beneficiary name and the wire instructions supplied for the account",[57,2856,2857,2859],{},[74,2858,2387],{},[74,2860,2861],{},"Beneficiary name, IBAN and any additional details in the payment instructions",[15,2863,2864,2865,2870],{},"ACH and wire transfers are distinct routes. ",[157,2866,2869],{"href":2867,"rel":2868},"https:\u002F\u002Fwww.nacha.org\u002Fcontent\u002Fabcs-ach",[161],"Nacha’s ACH explainer"," describes ACH processing and settlement; its schedule should not be treated as a promise for every other type of payment.",[15,2872,2873,2874,2878],{},"An IBAN identifies an account in a standard format. Checking that format can catch a typing error, but does not establish ownership or confirm that the account is open. Use Holyheld’s ",[157,2875,2877],{"href":2876},"\u002Fiban-calculator","IBAN calculator"," for format checks and verify the beneficiary details separately.",[19,2880,2882],{"id":2881},"keep-the-invoice-and-payment-reference-together","Keep the invoice and payment reference together",[15,2884,2885],{},"Include the invoice number, amount, currency, due date and payment reference in the instructions you send. Retain the invoice and the transfer record together so another member of your finance team can understand the receipt.",[15,2887,2888],{},"For example, a company issues invoice INV-1042 for USD 12,000. The customer receives the company's USD instructions with that invoice reference. On receipt, the finance team matches the credit to the invoice and checks for any difference in amount.",[766,2890,2892],{"label":2891},"From invoice to reconciled receipt · Illustrative example",[770,2893,2894,2899,2905],{},[27,2895,2896,2898],{},[30,2897,776],{},"\nINV-1042 requests USD 12,000, with the due date and payment reference.",[27,2900,2901,2904],{},[30,2902,2903],{},"Share USD instructions","\nUse the company's USD account details and include reference INV-1042.",[27,2906,2907,2910],{},[30,2908,2909],{},"Match the receipt","\nCheck the credited USD amount against INV-1042 and record any difference.",[15,2912,2913],{},"An invoice for EUR 8,000 follows the same sequence with the company's EUR account details and its own reference. These examples illustrate the workflow; they are not reported customer results.",[15,2915,2916],{},"Holyheld’s invoicing, virtual accounts and analytics support that organisation. Use team permissions to give colleagues access appropriate to their work.",[19,2918,2920],{"id":2919},"separate-sending-settlement-and-receipt","Separate sending, settlement and receipt",[15,2922,2923],{},"A customer’s transfer confirmation shows that a payment was initiated. Check the receiving account before treating the invoice as paid, and keep any pending receipt visible in your records.",[15,2925,2926,2927,2932],{},"Timing depends on the payment route and its processing stages. The ",[157,2928,2931],{"href":2929,"rel":2930},"https:\u002F\u002Fwww.ecb.europa.eu\u002Fpaym\u002Fretail\u002Finstant_payments\u002Fhtml\u002Findex.en.html",[161],"ECB explains how SEPA Instant works",", including its ten-second execution standard. That standard applies to the instant-payment scheme; it is not a blanket delivery time for every bank transfer or stablecoin conversion.",[15,2934,2935],{},"If a payment needs investigation, have the amount, currency, reference and sending confirmation ready for your concierge. Those details help identify the transfer without relying on a screenshot of a balance.",[19,2937,2939],{"id":2938},"check-costs-before-agreeing-payment-terms","Check costs before agreeing payment terms",[15,2941,2942,2943,2946],{},"Review the ",[157,2944,2945],{"href":333},"Business pricing page"," for membership and transfer charges. Consider any currency conversion separately, and clarify with the sender whether their provider charges them for the transfer.",[15,2948,2949,2950,2954],{},"When a customer wants to pay in stablecoins instead, agree the asset and network before they send. The ",[157,2951,2953],{"href":2952},"\u002Fguides\u002Fstablecoins-and-bank-payments","stablecoin and bank payment guide"," covers that workflow and the information to keep for reconciliation.",{"title":418,"searchDepth":419,"depth":419,"links":2956},[2957,2958,2959,2960,2961],{"id":2808,"depth":419,"text":2809},{"id":2821,"depth":419,"text":2822},{"id":2881,"depth":419,"text":2882},{"id":2919,"depth":419,"text":2920},{"id":2938,"depth":419,"text":2939},"A practical guide to account details, payment routes, invoice references and reconciliation for companies receiving USD and EUR.",{},{"title":1025,"description":2965,"label":2966,"published":2967,"modified":2967},"Choose the right account details, help customers pay correctly and reconcile each receipt.","Bank payments","2026-09-06",{"title":2794,"description":2962},{"loc":1024},"guides\u002F01.receiving-usd-eur-business-payments","NUBXTxMs6ugXa9GoRJ8XwlQ9_hu34Bwu7T5zWOxq0QI",{"id":2973,"title":2974,"body":2975,"description":3122,"extension":438,"meta":3123,"navigation":3124,"path":2952,"seo":3126,"sitemap":3127,"stem":3128,"__hash__":3129},"content\u002Fguides\u002F02.stablecoins-and-bank-payments.md","Moving between stablecoins and bank payments — Holyheld",{"type":7,"value":2976,"toc":3115},[2977,2981,2984,2987,2991,3000,3003,3007,3010,3022,3025,3029,3032,3035,3058,3081,3084,3088,3091,3094,3097,3101,3107,3110],[10,2978,2980],{"id":2979},"moving-between-stablecoins-and-bank-payments","Moving between stablecoins and bank payments",[15,2982,2983],{},"A company may receive stablecoins while paying suppliers in USD or EUR. It may also receive bank payments and need to pay a supplier in stablecoins. The useful starting point is the currency or asset the recipient needs to receive.",[15,2985,2986],{},"Holyheld brings named USD and EUR accounts, native stablecoin support and global payments into one Business membership. On-ramp and off-ramp describe the two directions between fiat money and digital assets.",[19,2988,2990],{"id":2989},"choose-the-direction-of-the-payment","Choose the direction of the payment",[15,2992,2993,2994,2996,2997,2999],{},"An ",[157,2995,1345],{"href":1344}," converts fiat into a supported digital asset. An ",[157,2998,329],{"href":328}," converts a supported digital asset into fiat. Moving an existing stablecoin between wallets, or exchanging one stablecoin for another, is a different operation from paying a bank account.",[15,3001,3002],{},"Set the destination first: a beneficiary account and currency for a bank payment, or the agreed wallet address, asset and network for a stablecoin payment.",[19,3004,3006],{"id":3005},"check-the-asset-and-the-network-together","Check the asset and the network together",[15,3008,3009],{},"A token name alone is not a complete payment instruction. Confirm the network and the specific asset supported by both sides of the transfer, using the current payment instructions in your account.",[15,3011,3012,3013,3016,3017,335],{},"USDC illustrates why this matters. Circle distinguishes ",[157,3014,2598],{"href":2596,"rel":3015},[161],": they have different issuance arrangements. A service supporting one form does not automatically support the other. Tether likewise publishes ",[157,3018,3021],{"href":3019,"rel":3020},"https:\u002F\u002Ftether.to\u002Fen\u002Fsupported-protocols\u002F",[161],"protocol-specific information for USD₮",[15,3023,3024],{},"Do not infer Holyheld support from an issuer’s network list. Check the combination available for your transaction. Keep the asset, network and recipient details with the payment record, and confirm any changed instructions with the recipient before sending.",[19,3026,3028],{"id":3027},"review-conversion-and-delivery-as-separate-stages","Review conversion and delivery as separate stages",[15,3030,3031],{},"For a stablecoin-to-bank payment, the workflow involves receiving the digital asset, converting it and delivering fiat through a payment route. Blockchain confirmation and the recipient’s bank credit are separate events.",[15,3033,3034],{},"For a bank-to-stablecoin payment, incoming fiat must be available for conversion before the digital asset can be delivered. The destination network then has its own confirmation process.",[766,3036,3038],{"label":3037},"Off-ramp · Stablecoins to a bank account",[770,3039,3040,3046,3052],{},[27,3041,3042,3045],{},[30,3043,3044],{},"Receive stablecoins","\nConfirm receipt of the supported asset on the agreed network.",[27,3047,3048,3051],{},[30,3049,3050],{},"Convert to fiat","\nReview the quote, fees and the USD or EUR amount for the bank payment.",[27,3053,3054,3057],{},[30,3055,3056],{},"Confirm bank receipt","\nTrack the transfer through to the beneficiary's account credit.",[766,3059,3061],{"label":3060},"On-ramp · Bank funds to stablecoins",[770,3062,3063,3069,3075],{},[27,3064,3065,3068],{},[30,3066,3067],{},"Receive bank funds","\nConfirm the fiat balance is available for the payment.",[27,3070,3071,3074],{},[30,3072,3073],{},"Convert to stablecoins","\nCheck the quote, asset and destination network together.",[27,3076,3077,3080],{},[30,3078,3079],{},"Confirm wallet receipt","\nVerify delivery to the agreed wallet on that network.",[15,3082,3083],{},"A fast blockchain transaction does not establish a universal bank-arrival time. Review the available route and its delivery information before committing to a supplier deadline. If timing is critical, discuss the specific payment with your concierge.",[19,3085,3087],{"id":3086},"keep-a-complete-record-of-the-payment","Keep a complete record of the payment",[15,3089,3090],{},"For each payment, keep the invoice or business purpose, starting amount, conversion details, fees, recipient amount and payment reference. For the blockchain part, retain the transaction hash and network; for the bank part, retain the transfer reference.",[15,3092,3093],{},"Consider a company that receives a stablecoin payment for a consulting invoice and owes a supplier EUR 8,000. Its finance team first confirms the receipt, then reviews the conversion needed for the EUR obligation and the available bank route. After the transfer, it reconciles the actual stablecoin amount used, conversion, fees and EUR receipt. The EUR invoice amount alone does not establish how many stablecoins the payment will cost. This is an illustrative workflow.",[15,3095,3096],{},"Holyheld’s virtual accounts, analytics and team permissions help organise the company’s funds and responsibilities around these payments.",[19,3098,3100],{"id":3099},"read-the-relevant-price-and-quote","Read the relevant price and quote",[15,3102,325,3103,3106],{},[157,3104,3105],{"href":333},"Business fee schedule"," lists membership, on-ramp and off-ramp charges separately. Stablecoin conversion and an on-ramp or off-ramp transfer are separate pricing lines; a conversion fee should not be read as the total cost of every payment.",[15,3108,3109],{},"Review the applicable transfer fee, conversion quote and any other charges shown for the transaction. For a transaction that needs an OTC quote, discuss the asset, amount and settlement needs with your concierge.",[15,3111,3112,3113,335],{},"For bank-payment instructions and invoice references, read ",[157,3114,1025],{"href":1024},{"title":418,"searchDepth":419,"depth":419,"links":3116},[3117,3118,3119,3120,3121],{"id":2989,"depth":419,"text":2990},{"id":3005,"depth":419,"text":3006},{"id":3027,"depth":419,"text":3028},{"id":3086,"depth":419,"text":3087},{"id":3099,"depth":419,"text":3100},"A business guide to on-ramp and off-ramp payments: direction, asset and network checks, conversion, delivery and reconciliation.",{},{"title":2980,"description":3125,"label":442,"published":2967,"modified":2967},"Understand each direction, choose the asset and network, and track the payment through to receipt.",{"title":2974,"description":3122},{"loc":2952},"guides\u002F02.stablecoins-and-bank-payments","_Z0YXflfTJycV-R5HJEkZVOAseIG_8YGMLv6JPEkUus",{"id":3131,"title":3132,"body":3133,"description":3381,"extension":438,"meta":3382,"navigation":3383,"path":2044,"seo":3386,"sitemap":3387,"stem":3388,"__hash__":3389},"content\u002Fguides\u002F04.usdc-to-iban.md","How to off-ramp USDC to an IBAN — Holyheld",{"type":7,"value":3134,"toc":3366},[3135,3138,3141,3143,3154,3177,3181,3207,3209,3222,3225,3228,3234,3237,3240,3243,3246,3249,3252,3257,3259,3295,3298,3302,3324,3326,3330,3333,3337,3340,3342],[10,3136,2045],{"id":3137},"how-to-off-ramp-usdc-to-an-iban",[15,3139,3140],{},"To move USDC to an IBAN, send it on a network your provider supports, convert it to EUR or USD, and pay the money out by SEPA or wire. With Holyheld Business, you receive the USDC, convert it and send the SEPA or wire payment from the same account.",[19,3142,22],{"id":21},[24,3144,3145,3148,3151],{},[27,3146,3147],{},"A company paid in USDC that settles its costs in EUR by SEPA.",[27,3149,3150],{},"Moving a stablecoin balance into USD to pay a supplier by wire.",[27,3152,3153],{},"A finance team that needs the transaction hash and the bank reference on one record.",[766,3155,3157],{"label":3156},"Off-ramp: USDC to an IBAN",[770,3158,3159,3165,3171],{},[27,3160,3161,3164],{},[30,3162,3163],{},"Send the USDC","\nUse the receiving address and network named in your account.",[27,3166,3167,3170],{},[30,3168,3169],{},"Convert to EUR or USD","\nReview the quote, the fee and the amount you receive.",[27,3172,3173,3176],{},[30,3174,3175],{},"Pay out to the IBAN","\nSend by SEPA or wire, and track it to the account credit.",[19,3178,3180],{"id":3179},"before-you-start","Before you start",[770,3182,3183,3189,3195,3201],{},[27,3184,3185,3188],{},[30,3186,3187],{},"The asset and network."," For example, USDC on Base. Both must be supported for your transaction.",[27,3190,3191,3194],{},[30,3192,3193],{},"The wallet you send from."," A self-custody wallet or an account at an exchange.",[27,3196,3197,3200],{},[30,3198,3199],{},"The destination account."," The IBAN, the account holder's name and the currency it receives.",[27,3202,3203,3206],{},[30,3204,3205],{},"The reference."," The invoice number or purpose the transfer settles.",[19,3208,3006],{"id":3005},[15,3210,3211,3212,3217,3218,3221],{},"Circle issues USDC natively on many networks and publishes the official contract address for each, including Ethereum, Arbitrum, Base and Solana (",[157,3213,3216],{"href":3214,"rel":3215},"https:\u002F\u002Fdevelopers.circle.com\u002Fstablecoins\u002Fusdc-contract-addresses",[161],"Circle","). Circle also distinguishes ",[157,3219,2598],{"href":2596,"rel":3220},[161],": a service that accepts one does not automatically accept the other.",[15,3223,3224],{},"Holyheld works with supported networks including Ethereum, Arbitrum, Base and Solana. Use the receiving instructions in your account, and confirm the asset and network combination before sending.",[19,3226,3163],{"id":3227},"send-the-usdc",[15,3229,3230,3231,168],{},"Copy the receiving address from your account and paste it into your wallet. Never retype it, and never copy it from your transaction history, where attackers plant look-alike addresses. Researchers counted 270 million of these address-poisoning attempts against 17 million victims, with at least $83.8 million lost (",[157,3232,2630],{"href":2628,"rel":3233},[161],[15,3235,3236],{},"For a first payment from a new wallet, send a small test amount before the full one. Keep the transaction hash: it is the onchain reference for the payment.",[19,3238,3169],{"id":3239},"convert-to-eur-or-usd",[15,3241,3242],{},"Once the USDC arrives, review the quote: the asset, the amount, the fiat amount you will receive and the fees.",[15,3244,3245],{},"If you hold a different stablecoin than the one your route needs, swap it first.",[19,3247,3175],{"id":3248},"pay-out-to-the-iban",[15,3250,3251],{},"Send EUR to an IBAN by SEPA. For USD, or for a destination outside SEPA, send a wire. International wires are sent as OUR, so the recipient receives the full amount.",[15,3253,3254,3255,335],{},"The blockchain confirmation and the bank credit are separate events. A fast onchain transfer does not set the bank arrival time, so check the route before committing to a deadline. To check an IBAN's format before you pay, use the free ",[157,3256,2877],{"href":2876},[19,3258,285],{"id":284},[51,3260,3261,3269],{},[54,3262,3263],{},[57,3264,3265,3267],{},[60,3266,294],{},[60,3268,994],{},[69,3270,3271,3278,3286],{},[57,3272,3273,3276],{},[74,3274,3275],{},"Sending the USDC from your wallet",[74,3277,2695],{},[57,3279,3280,3283],{},[74,3281,3282],{},"Sending from an exchange account instead",[74,3284,3285],{},"The exchange's withdrawal fee, if any, plus the network fee",[57,3287,3288,3291],{},[74,3289,3290],{},"Swap, off-ramp and the SEPA or wire payout",[74,3292,1012,3293],{},[157,3294,1015],{"href":333},[15,3296,3297],{},"The EUR or USD amount you receive depends on the conversion quote at the time.",[19,3299,3301],{"id":3300},"when-this-route-doesnt-fit","When this route doesn't fit",[24,3303,3304,3310,3316],{},[27,3305,3306,3309],{},[30,3307,3308],{},"The asset or network isn't supported for your transaction."," Swap it, or move it to a supported combination, before you send.",[27,3311,3312,3315],{},[30,3313,3314],{},"The money must arrive on a set day."," Onchain speed doesn't set the bank arrival time; discuss the payment with your concierge first.",[27,3317,3318,3321,3322,335],{},[30,3319,3320],{},"The supplier wants stablecoins."," Pay them directly instead: read ",[157,3323,342],{"href":341},[19,3325,346],{"id":345},[348,3327,3329],{"id":3328},"what-happens-if-i-send-usdc-on-the-wrong-network","What happens if I send USDC on the wrong network?",[15,3331,3332],{},"Funds sent on a network the receiving instructions don't name may not arrive. Contact your concierge with the transaction hash.",[348,3334,3336],{"id":3335},"can-i-send-from-an-exchange-account-instead-of-my-own-wallet","Can I send from an exchange account instead of my own wallet?",[15,3338,3339],{},"Yes, as long as the exchange sends the asset on the network named in your receiving instructions.",[19,3341,379],{"id":378},[24,3343,3344,3351,3356,3362],{},[27,3345,3346,3350],{},[157,3347,3349],{"href":3214,"rel":3348},[161],"Circle: USDC contract addresses",": networks where USDC is issued natively.",[27,3352,3353,2763],{},[157,3354,2762],{"href":2596,"rel":3355},[161],[27,3357,3358,3361],{},[157,3359,2755],{"href":2628,"rel":3360},[161],": attack counts and losses.",[27,3363,3364,416],{},[157,3365,415],{"href":333},{"title":418,"searchDepth":419,"depth":419,"links":3367},[3368,3369,3370,3371,3372,3373,3374,3375,3376,3380],{"id":21,"depth":419,"text":22},{"id":3179,"depth":419,"text":3180},{"id":3005,"depth":419,"text":3006},{"id":3227,"depth":419,"text":3163},{"id":3239,"depth":419,"text":3169},{"id":3248,"depth":419,"text":3175},{"id":284,"depth":419,"text":285},{"id":3300,"depth":419,"text":3301},{"id":345,"depth":419,"text":346,"children":3377},[3378,3379],{"id":3328,"depth":432,"text":3329},{"id":3335,"depth":432,"text":3336},{"id":378,"depth":419,"text":379},"Move USDC from a wallet to an IBAN: check the asset and network, send, convert to EUR or USD, and pay out by SEPA or wire.",{},{"title":2045,"description":3384,"label":442,"published":1448,"modified":444,"cta":3385},"Check the asset and network, convert to EUR or USD, and pay out to a bank account by SEPA or wire.","Off-ramp stablecoins to USD or EUR and pay out by SEPA or wire, with named USD and EUR accounts in one membership.",{"title":3132,"description":3381},{"loc":2044},"guides\u002F04.usdc-to-iban","oSsUT-8BqT6ihMHigEpPwKm7aCgkSkMPlO8nKatMNhA",{"id":3391,"title":3392,"body":3393,"description":3773,"extension":438,"meta":3774,"navigation":3775,"path":249,"seo":3778,"sitemap":3779,"stem":3780,"__hash__":3781},"content\u002Fguides\u002F06.which-network-to-receive-usdc-on.md","Which network to receive USDC on: L1 vs L2 for company payments — Holyheld",{"type":7,"value":3394,"toc":3755},[3395,3399,3402,3404,3415,3419,3426,3429,3431,3490,3519,3523,3526,3533,3537,3552,3555,3559,3569,3576,3580,3606,3610,3616,3622,3624,3652,3657,3659,3663,3666,3670,3673,3677,3680,3684,3686,3688,3690],[10,3396,3398],{"id":3397},"which-network-to-receive-usdc-on-l1-vs-l2-for-company-payments","Which network to receive USDC on: L1 vs L2 for company payments",[15,3400,3401],{},"For most company payments, receive USDC on a layer 2 network such as Base or Arbitrum, or on Solana: the payer's network fee is much lower than on Ethereum, and the USDC is the same native USDC that Circle issues on each. With Holyheld Business, USDC received on any supported network converts to USD or EUR in the same account.",[19,3403,22],{"id":21},[24,3405,3406,3409,3412],{},[27,3407,3408],{},"A company invoicing customers in USDC that wants them to pay a low network fee.",[27,3410,3411],{},"A finance team deciding which networks to accept before sharing a receiving address.",[27,3413,3414],{},"Anyone weighing layer 1 against layer 2 for payments rather than for trading.",[19,3416,3418],{"id":3417},"what-l1-and-l2-mean","What L1 and L2 mean",[15,3420,3421,3422,168],{},"A layer 1 (L1) is a blockchain that processes and settles its own transactions, such as Ethereum or Solana. A layer 2 (L2) is a separate blockchain that runs on top of Ethereum: it bundles many transactions into one and posts them to Ethereum, so each transaction costs less while Ethereum still secures the record (",[157,3423,162],{"href":3424,"rel":3425},"https:\u002F\u002Fethereum.org\u002Flayer-2\u002Flearn\u002F",[161],[15,3427,3428],{},"Base and Arbitrum are layer 2 networks of this kind, called rollups. Solana is not a layer 2. It is a separate layer 1 with its own validators and its own fees.",[19,3430,49],{"id":48},[51,3432,3433,3445],{},[54,3434,3435],{},[57,3436,3437,3439,3442],{},[60,3438,848],{},[60,3440,3441],{},"Type and block time",[60,3443,3444],{},"Network fee, paid by the sender",[69,3446,3447,3458,3469,3479],{},[57,3448,3449,3452,3455],{},[74,3450,3451],{},"Ethereum",[74,3453,3454],{},"Layer 1; a block every 12 seconds",[74,3456,3457],{},"Gas, which rises when the network is busy",[57,3459,3460,3463,3466],{},[74,3461,3462],{},"Base",[74,3464,3465],{},"Layer 2 on Ethereum; a block about every 2 seconds",[74,3467,3468],{},"Much lower than Ethereum's",[57,3470,3471,3474,3477],{},[74,3472,3473],{},"Arbitrum",[74,3475,3476],{},"Layer 2 on Ethereum; a block every 250 milliseconds",[74,3478,3468],{},[57,3480,3481,3484,3487],{},[74,3482,3483],{},"Solana",[74,3485,3486],{},"Layer 1; a block every 200 milliseconds",[74,3488,3489],{},"A base fee of 5,000 lamports (0.000005 SOL) per signature, plus an optional priority fee",[15,3491,3492,3493,2344,3497,2344,3501,405,3505,3509,3510,3515,3516,168],{},"Block times come from each network's documentation as of 27 October 2026: ",[157,3494,3451],{"href":3495,"rel":3496},"https:\u002F\u002Fethereum.org\u002Fdevelopers\u002Fdocs\u002Fblocks\u002F",[161],[157,3498,3462],{"href":3499,"rel":3500},"https:\u002F\u002Fdocs.base.org\u002Fspecifications\u002Ftransactions\u002Ftransaction-finality",[161],[157,3502,3473],{"href":3503,"rel":3504},"https:\u002F\u002Fdocs.arbitrum.io\u002Fhow-arbitrum-works\u002Finside-arbitrum-nitro",[161],[157,3506,3483],{"href":3507,"rel":3508},"https:\u002F\u002Fsolana.com\u002Fupgrades\u002Freduced-slot-times",[161],", whose slot time fell to 200 milliseconds on 9 October 2026. Solana's fee is from its ",[157,3511,3514],{"href":3512,"rel":3513},"https:\u002F\u002Fsolana.com\u002Fdocs\u002Fcore\u002Ffees",[161],"fee documentation",". Circle issues native USDC on all four (",[157,3517,3216],{"href":3214,"rel":3518},[161],[19,3520,3522],{"id":3521},"fees-the-payers-cost-not-yours","Fees: the payer's cost, not yours",[15,3524,3525],{},"On every one of these networks the sender pays the network fee. Choosing a layer 2 or Solana mostly saves your customer money, which makes paying you in USDC easier to agree to.",[15,3527,3528,3529,3532],{},"Layer 2 fees are low because a rollup spreads the cost of one Ethereum transaction across hundreds of its own (",[157,3530,162],{"href":3424,"rel":3531},[161],"). Ethereum's own fee rises with demand, so a small payment can cost a noticeable share of its value there. For a large payment the fee matters less than the amount, and some counterparties hold their USDC only on Ethereum.",[19,3534,3536],{"id":3535},"speed-confirmation-is-not-the-bank-credit","Speed: confirmation is not the bank credit",[15,3538,3539,3540,3544,3545,3548,3549,168],{},"A payment shows up within seconds on all four networks, but settling for good takes longer. An Ethereum block becomes final in about 15 minutes (",[157,3541,162],{"href":3542,"rel":3543},"https:\u002F\u002Fethereum.org\u002Froadmap\u002Fsingle-slot-finality\u002F",[161],"). A Base transaction is in a block after about 2 seconds and final on Ethereum after about 20 minutes (",[157,3546,3462],{"href":3499,"rel":3547},[161],"). An Arbitrum transaction becomes final once the Ethereum batch that records it is final (",[157,3550,3473],{"href":3503,"rel":3551},[161],[15,3553,3554],{},"None of these times is the time money reaches a bank account. Converting the USDC and paying it out by SEPA or wire are separate steps with their own timing, so check the route before you promise a supplier a date.",[19,3556,3558],{"id":3557},"native-usdc-bridged-usdc-and-moving-between-networks","Native USDC, bridged USDC and moving between networks",[15,3560,3561,3562,3565,3566,168],{},"Circle issues USDC natively on each network in its list and publishes the official contract address for each. Some networks also carry bridged USDC, often labelled USDC.e, which Circle doesn't issue; Circle's own list notes one such token on X Layer (",[157,3563,3216],{"href":3214,"rel":3564},[161],"). A service that accepts native USDC doesn't automatically accept the bridged form (",[157,3567,3216],{"href":2596,"rel":3568},[161],[15,3570,3571,3572,168],{},"If USDC sits on a network your provider doesn't support, Circle's Cross-Chain Transfer Protocol moves native USDC between networks by burning it on one and minting it on the other, in about 8 to 20 seconds on its fast route (",[157,3573,3216],{"href":3574,"rel":3575},"https:\u002F\u002Fdevelopers.circle.com\u002Fcctp",[161],[19,3577,3579],{"id":3578},"how-to-choose","How to choose",[770,3581,3582,3588,3594,3600],{},[27,3583,3584,3587],{},[30,3585,3586],{},"Start with what the payer holds."," A customer with USDC on Base will pay faster on Base than after moving it.",[27,3589,3590,3593],{},[30,3591,3592],{},"Match the network to the amount."," For routine invoices, a layer 2 or Solana keeps the payer's fee small. For a single large transfer, Ethereum's fee matters less.",[27,3595,3596,3599],{},[30,3597,3598],{},"Think about where the money goes next."," If you will pay a supplier in USDC, receiving on the network they use saves a move.",[27,3601,3602,3605],{},[30,3603,3604],{},"Check what your provider supports."," Accept only the asset and network combinations named in your receiving instructions.",[19,3607,3609],{"id":3608},"networks-holyheld-works-with","Networks Holyheld works with",[15,3611,3612,3613,3615],{},"Holyheld works with supported networks including Ethereum, Arbitrum, Base and Solana. Your account shows the asset and network combinations available for each transaction, and the ",[157,3614,329],{"href":328}," converts supported stablecoins to USD or EUR.",[15,3617,3618,3619,3621],{},"When you bill in USDC or EURC, the invoice's pay link lets the customer choose from the networks offered. The network named on the invoice comes first, and the amount is the same on each network; ",[157,3620,746],{"href":1116}," explains the flow.",[19,3623,285],{"id":284},[51,3625,3626,3634],{},[54,3627,3628],{},[57,3629,3630,3632],{},[60,3631,294],{},[60,3633,994],{},[69,3635,3636,3643],{},[57,3637,3638,3641],{},[74,3639,3640],{},"Sending the USDC to you",[74,3642,3444],{},[57,3644,3645,3648],{},[74,3646,3647],{},"Swap, off-ramp to USD or EUR, and the SEPA or wire payout",[74,3649,1012,3650],{},[157,3651,1015],{"href":333},[15,3653,3654,3655,335],{},"To move the converted money on to a bank account, read ",[157,3656,2045],{"href":2044},[19,3658,346],{"id":345},[348,3660,3662],{"id":3661},"is-solana-a-layer-2","Is Solana a layer 2?",[15,3664,3665],{},"No. Solana is a separate layer 1 with its own validators and fees. Base and Arbitrum are layer 2 networks that post their transactions to Ethereum.",[348,3667,3669],{"id":3668},"is-usdc-on-base-the-same-as-usdc-on-ethereum","Is USDC on Base the same as USDC on Ethereum?",[15,3671,3672],{},"Both are native USDC issued by Circle, but each lives on its own network. A payment has to be sent on the network the receiving address was given for.",[348,3674,3676],{"id":3675},"which-network-is-cheapest-to-receive-usdc-on","Which network is cheapest to receive USDC on?",[15,3678,3679],{},"Usually a layer 2 such as Base or Arbitrum, or Solana, whose base fee is 5,000 lamports per signature. The sender pays the network fee, so the cheaper network saves the payer money.",[348,3681,3683],{"id":3682},"what-happens-if-a-customer-sends-usdc-on-the-wrong-network","What happens if a customer sends USDC on the wrong network?",[15,3685,3332],{},[19,3687,379],{"id":378},[15,3689,382],{},[24,3691,3692,3699,3706,3713,3720,3727,3738,3751],{},[27,3693,3694,3698],{},[157,3695,3697],{"href":3424,"rel":3696},[161],"ethereum.org: layer 2",": what a layer 2 is and why its fees are lower.",[27,3700,3701,3705],{},[157,3702,3704],{"href":3495,"rel":3703},[161],"ethereum.org: blocks",": Ethereum's 12-second slots.",[27,3707,3708,3712],{},[157,3709,3711],{"href":3542,"rel":3710},[161],"ethereum.org: single slot finality",": about 15 minutes to finality.",[27,3714,3715,3719],{},[157,3716,3718],{"href":3499,"rel":3717},[161],"Base: transaction finality",": block inclusion and finality on Base.",[27,3721,3722,3726],{},[157,3723,3725],{"href":3503,"rel":3724},[161],"Arbitrum: inside Arbitrum Nitro",": block time and finality on Arbitrum One.",[27,3728,3729,405,3733,3737],{},[157,3730,3732],{"href":3507,"rel":3731},[161],"Solana: reduced slot times",[157,3734,3736],{"href":3512,"rel":3735},[161],"Solana: fees",": slot time and the base fee.",[27,3739,3740,2344,3743,405,3746,3750],{},[157,3741,3349],{"href":3214,"rel":3742},[161],[157,3744,2762],{"href":2596,"rel":3745},[161],[157,3747,3749],{"href":3574,"rel":3748},[161],"Circle: CCTP",": native and bridged USDC, and moving USDC between networks.",[27,3752,3753,416],{},[157,3754,415],{"href":333},{"title":418,"searchDepth":419,"depth":419,"links":3756},[3757,3758,3759,3760,3761,3762,3763,3764,3765,3766,3772],{"id":21,"depth":419,"text":22},{"id":3417,"depth":419,"text":3418},{"id":48,"depth":419,"text":49},{"id":3521,"depth":419,"text":3522},{"id":3535,"depth":419,"text":3536},{"id":3557,"depth":419,"text":3558},{"id":3578,"depth":419,"text":3579},{"id":3608,"depth":419,"text":3609},{"id":284,"depth":419,"text":285},{"id":345,"depth":419,"text":346,"children":3767},[3768,3769,3770,3771],{"id":3661,"depth":432,"text":3662},{"id":3668,"depth":432,"text":3669},{"id":3675,"depth":432,"text":3676},{"id":3682,"depth":432,"text":3683},{"id":378,"depth":419,"text":379},"Ethereum, Base, Arbitrum or Solana? What L1 and L2 mean for a company receiving USDC: who pays the network fee, how fast it confirms, native vs bridged USDC.",{},{"title":3398,"description":3776,"label":442,"published":443,"modified":444,"cta":3777},"Layer 1 and layer 2 explained for payments, with the fees, timing and USDC checks that decide the network.","Receive USDC on supported networks including Ethereum, Arbitrum, Base and Solana, and convert it to USD or EUR in the same account.",{"title":3392,"description":3773},{"loc":249},"guides\u002F06.which-network-to-receive-usdc-on","Zqu-Q1vltduJi9Yu0s8-i2PrYXigr4wY15OeredCXi8",1793188350569]