[{"data":1,"prerenderedAt":1541},["ShallowReactive",2],{"\u002Fguides\u002Fpay-suppliers-in-stablecoins":3,"payment-guides":326},{"id":4,"title":5,"body":6,"description":313,"extension":314,"meta":315,"navigation":316,"path":321,"seo":322,"sitemap":323,"stem":324,"__hash__":325},"content\u002Fguides\u002F05.pay-suppliers-in-stablecoins.md","How to pay suppliers in stablecoins — Holyheld",{"type":7,"value":8,"toc":295},"minimark",[9,14,18,23,36,62,66,69,103,107,116,125,128,131,156,159,163,166,169,173,217,224,228,236,240,245,248,252,255,259,262,266],[10,11,13],"h1",{"id":12},"how-to-pay-suppliers-in-stablecoins","How to pay suppliers in stablecoins",[15,16,17],"p",{},"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, on-ramp transfers from USD or EUR cost 0.5% and swaps between stablecoins cost 0%.",[19,20,22],"h2",{"id":21},"best-for","Best for",[24,25,26,30,33],"ul",{},[27,28,29],"li",{},"Paying a supplier or contractor who invoices in USDC.",[27,31,32],{},"Funding those payments from the USD or EUR the company holds.",[27,34,35],{},"Matching each onchain payment to its invoice in QuickBooks Online, Xero or Sage.",[37,38,40],"payment-flow",{"label":39},"Supplier payment: from fiat to stablecoins",[41,42,43,50,56],"ol",{},[27,44,45,49],{},[46,47,48],"strong",{},"Agree the payment terms","\nAsset, network, wallet address and invoice currency, in writing.",[27,51,52,55],{},[46,53,54],{},"Fund the payment","\nConvert USD or EUR, or swap the stablecoin you hold.",[27,57,58,61],{},[46,59,60],{},"Send and record it","\nKeep the transaction hash with the invoice number.",[19,63,65],{"id":64},"agree-the-payment-terms-with-the-supplier","Agree the payment terms with the supplier",[15,67,68],{},"Settle these points before the first payment, and keep them with the supplier's record:",[24,70,71,77,91,97],{},[27,72,73,76],{},[46,74,75],{},"Invoice currency."," Whether the invoice is in USD, EUR or a stablecoin amount, and who bears any conversion difference.",[27,78,79,82,83,90],{},[46,80,81],{},"Asset."," The specific stablecoin, for example USDC. Circle distinguishes ",[84,85,89],"a",{"href":86,"rel":87},"https:\u002F\u002Fwww.circle.com\u002Fbridged-usdc",[88],"nofollow","native USDC from bridged USDC",".",[27,92,93,96],{},[46,94,95],{},"Network."," The network the supplier receives on. The same ticker can exist on several networks.",[27,98,99,102],{},[46,100,101],{},"Wallet address."," The supplier's receiving address on that network.",[19,104,106],{"id":105},"verify-the-wallet-address","Verify the wallet address",[15,108,109,110,115],{},"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 (",[84,111,114],{"href":112,"rel":113},"https:\u002F\u002Fwww.nacha.org\u002Fnews\u002Ffbis-ic3-finds-almost-85-billion-lost-business-email-compromise-last-three-years",[88],"Nacha",").",[15,117,118,119,124],{},"On blockchains, attackers also plant look-alike addresses in your transaction history; one study counted 270 million attempts (",[84,120,123],{"href":121,"rel":122},"https:\u002F\u002Fwww.usenix.org\u002Fconference\u002Fusenixsecurity25\u002Fpresentation\u002Ftsuchiya",[88],"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.",[19,126,54],{"id":127},"fund-the-payment",[15,129,130],{},"Pay from whichever balance the company holds:",[24,132,133,139,145],{},[27,134,135,138],{},[46,136,137],{},"A stablecoin balance in the right asset."," Send it directly.",[27,140,141,144],{},[46,142,143],{},"A different stablecoin."," Swap it first; swaps between stablecoins cost 0%.",[27,146,147,150,151,155],{},[46,148,149],{},"USD or EUR."," Convert with an ",[84,152,154],{"href":153},"\u002Fon-ramp","on-ramp"," transfer, which costs 0.5% on the Business membership.",[15,157,158],{},"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.",[19,160,162],{"id":161},"send-the-payment-and-keep-the-record","Send the payment and keep the record",[15,164,165],{},"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.",[15,167,168],{},"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.",[19,170,172],{"id":171},"what-it-costs","What it costs",[174,175,176,189],"table",{},[177,178,179],"thead",{},[180,181,182,186],"tr",{},[183,184,185],"th",{},"Step",[183,187,188],{},"Cost on Holyheld Business",[190,191,192,201,209],"tbody",{},[180,193,194,198],{},[195,196,197],"td",{},"Swap between stablecoins",[195,199,200],{},"0%",[180,202,203,206],{},[195,204,205],{},"On-ramp transfer from USD or EUR",[195,207,208],{},"0.5%",[180,210,211,214],{},[195,212,213],{},"Network fee for the onchain transfer",[195,215,216],{},"Set by the network",[15,218,219,220,90],{},"For example, a €5,000 invoice paid in USDC and funded from EUR costs €25 in on-ramp fees, plus the network fee. If the company already holds USDC, the payment costs only the network fee. Membership is CHF 50 a month or CHF 500 a year, excluding VAT; see ",[84,221,223],{"href":222},"\u002Fpricing","Business pricing",[19,225,227],{"id":226},"when-a-bank-payment-is-the-better-choice","When a bank payment is the better choice",[15,229,230,231,235],{},"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, ",[84,232,234],{"href":233},"\u002Fguides\u002Fusdc-to-iban","off-ramp the stablecoins to an IBAN"," first.",[19,237,239],{"id":238},"common-questions","Common questions",[241,242,244],"h3",{"id":243},"can-a-stablecoin-payment-be-reversed","Can a stablecoin payment be reversed?",[15,246,247],{},"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.",[241,249,251],{"id":250},"how-do-i-record-a-stablecoin-supplier-payment-in-xero-or-quickbooks","How do I record a stablecoin supplier payment in Xero or QuickBooks?",[15,253,254],{},"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.",[241,256,258],{"id":257},"which-stablecoins-and-networks-can-i-use","Which stablecoins and networks can I use?",[15,260,261],{},"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.",[19,263,265],{"id":264},"sources","Sources",[24,267,268,275,282,289],{},[27,269,270,274],{},[84,271,273],{"href":112,"rel":272},[88],"Nacha, on the FBI IC3 2024 report",": business email compromise complaints and losses.",[27,276,277,281],{},[84,278,280],{"href":121,"rel":279},[88],"Tsuchiya, Dong, Soska and Christin, \"Blockchain Address Poisoning\", USENIX Security 2025",": address-poisoning attempts.",[27,283,284,288],{},[84,285,287],{"href":86,"rel":286},[88],"Circle: bridged USDC",": how native and bridged USDC differ.",[27,290,291,294],{},[84,292,293],{"href":222},"Holyheld Business pricing",": membership and transfer fees.",{"title":296,"searchDepth":297,"depth":297,"links":298},"",2,[299,300,301,302,303,304,305,306,312],{"id":21,"depth":297,"text":22},{"id":64,"depth":297,"text":65},{"id":105,"depth":297,"text":106},{"id":127,"depth":297,"text":54},{"id":161,"depth":297,"text":162},{"id":171,"depth":297,"text":172},{"id":226,"depth":297,"text":227},{"id":238,"depth":297,"text":239,"children":307},[308,310,311],{"id":243,"depth":309,"text":244},3,{"id":250,"depth":309,"text":251},{"id":257,"depth":309,"text":258},{"id":264,"depth":297,"text":265},"Agree the asset, network and wallet with the supplier, fund the payment from USD, EUR or stablecoins, and keep the records your accounts need.","md",{},{"title":13,"description":317,"label":318,"published":319,"modified":319,"cta":320},"Agree the terms, verify the wallet, fund the payment and keep a record that reconciles with the invoice.","Stablecoins","2026-10-23","On-ramp from USD or EUR at 0.5%, swaps at 0%, and transactions synced to QuickBooks Online, Xero and Sage.","\u002Fguides\u002Fpay-suppliers-in-stablecoins",{"title":5,"description":313},{"loc":321},"guides\u002F05.pay-suppliers-in-stablecoins","HibA39w61CvFR2oigoPhlI103L1YTgGasqVl0Po0Ny8",[327,703,899,1084,1243],{"id":328,"title":329,"body":330,"description":692,"extension":314,"meta":693,"navigation":694,"path":698,"seo":699,"sitemap":700,"stem":701,"__hash__":702},"content\u002Fguides\u002F03.holyheld-vs-mercury.md","Holyheld vs Mercury: business accounts compared — Holyheld",{"type":7,"value":331,"toc":678},[332,336,339,341,360,364,510,516,520,526,537,541,544,579,587,591,613,615,619,625,629,635,639,642,646,649,651],[10,333,335],{"id":334},"holyheld-vs-mercury-business-accounts-compared","Holyheld vs Mercury: business accounts compared",[15,337,338],{},"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.",[19,340,22],{"id":21},[24,342,343,349,355],{},[27,344,345,348],{},[46,346,347],{},"Mercury:"," a US-formed company paying and getting paid in USD by bank transfer, that wants a free base plan.",[27,350,351,354],{},[46,352,353],{},"Holyheld:"," a company paid in stablecoins that settles its costs in USD or EUR.",[27,356,357,359],{},[46,358,353],{}," a company that needs a named EUR account alongside its USD account.",[19,361,363],{"id":362},"at-a-glance","At a glance",[174,365,366,378],{},[177,367,368],{},[180,369,370,372,375],{},[183,371],{},[183,373,374],{},"Holyheld Business",[183,376,377],{},"Mercury",[190,379,380,396,407,421,432,442,452,461,470,481,490,499],{},[180,381,382,385,388],{},[195,383,384],{},"Who can open an account",[195,386,387],{},"Companies apply, and each application is reviewed",[195,389,390,391,395],{},"Companies formed and registered in the US or a US territory (",[84,392,377],{"href":393,"rel":394},"https:\u002F\u002Fmercury.com\u002Ffaq",[88],")",[180,397,398,401,404],{},[195,399,400],{},"Account currencies",[195,402,403],{},"Named USD and EUR accounts",[195,405,406],{},"USD; non-USD wires carry a 1% exchange fee",[180,408,409,411,414],{},[195,410,318],{},[195,412,413],{},"Held, swapped and converted in the account",[195,415,416,417,395],{},"Accounts hold fiat only (",[84,418,377],{"href":419,"rel":420},"https:\u002F\u002Fmercury.com\u002Fweb3",[88],[180,422,423,426,429],{},[195,424,425],{},"Price per month",[195,427,428],{},"CHF 50",[195,430,431],{},"$0",[180,433,434,437,440],{},[195,435,436],{},"Domestic wire",[195,438,439],{},"$10",[195,441,431],{},[180,443,444,447,449],{},[195,445,446],{},"International USD wire, recipient gets the full amount (OUR)",[195,448,439],{},[195,450,451],{},"$15",[180,453,454,457,459],{},[195,455,456],{},"Same-day ACH",[195,458,431],{},[195,460,431],{},[180,462,463,466,468],{},[195,464,465],{},"Outgoing FedNow or RTP",[195,467,431],{},[195,469,431],{},[180,471,472,475,478],{},[195,473,474],{},"SEPA transfer",[195,476,477],{},"€0",[195,479,480],{},"—",[180,482,483,486,488],{},[195,484,485],{},"Stablecoin swap",[195,487,200],{},[195,489,480],{},[180,491,492,495,497],{},[195,493,494],{},"On-ramp or off-ramp transfer",[195,496,208],{},[195,498,480],{},[180,500,501,504,507],{},[195,502,503],{},"Support",[195,505,506],{},"A dedicated concierge in in-app chat",[195,508,509],{},"Priority support on paid plans; a relationship manager on Mercury Pro",[15,511,512,513,115],{},"Holyheld's membership is CHF 500 a year with 2 months free, and its prices exclude VAT. Mercury's paid plans start at $35 a month (",[84,514,377],{"href":393,"rel":515},[88],[19,517,519],{"id":518},"stablecoins-are-the-main-difference","Stablecoins are the main difference",[15,521,522,523,115],{},"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 (",[84,524,377],{"href":419,"rel":525},[88],[15,527,528,529,533,534,536],{},"With Holyheld, conversion happens in the account: ",[84,530,532],{"href":531},"\u002Foff-ramp","off-ramp"," transfers turn supported stablecoins into USD or EUR, and ",[84,535,154],{"href":153}," transfers do the reverse, at 0.5% each. Swaps between stablecoins cost 0%. Holyheld works with supported networks including Ethereum, Arbitrum, Base and Solana.",[19,538,540],{"id":539},"what-each-costs-for-the-same-month","What each costs for the same month",[15,542,543],{},"Take a company that sends 20 international USD wires a month, each sent so the recipient receives the full amount:",[174,545,546,557],{},[177,547,548],{},[180,549,550,553,555],{},[183,551,552],{},"Monthly cost",[183,554,374],{},[183,556,377],{},[190,558,559,568],{},[180,560,561,564,566],{},[195,562,563],{},"Plan",[195,565,428],{},[195,567,431],{},[180,569,570,573,576],{},[195,571,572],{},"20 wires sent OUR",[195,574,575],{},"$200",[195,577,578],{},"$300",[15,580,581,582,586],{},"Sent the standard way (SHA) instead, Mercury's wires cost nothing, but intermediary banks may deduct fees from what the recipient receives (",[84,583,377],{"href":584,"rel":585},"https:\u002F\u002Fmercury.com\u002Fpricing",[88],"). For a company that pays mostly by ACH or SEPA and converts stablecoins, Holyheld's flat membership covers those transfers, and each conversion costs 0.5%.",[19,588,590],{"id":589},"limits-of-this-comparison","Limits of this comparison",[24,592,593,601,607],{},[27,594,595,598,599,90],{},[46,596,597],{},"Prices change."," Mercury's figures were checked on 23 October 2026; Holyheld's come from its ",[84,600,223],{"href":222},[27,602,603,606],{},[46,604,605],{},"Holyheld is invite only."," Each application is reviewed, and companies whose needs Holyheld can support are invited.",[27,608,609,612],{},[46,610,611],{},"Not everything is compared."," Cards, credit and Mercury's Treasury product are outside this page.",[19,614,239],{"id":238},[241,616,618],{"id":617},"can-a-company-formed-outside-the-us-open-a-mercury-account","Can a company formed outside the US open a Mercury account?",[15,620,621,622,115],{},"Mercury's FAQ says its customers must be formed and registered in the United States or a US territory (",[84,623,377],{"href":393,"rel":624},[88],[241,626,628],{"id":627},"does-mercury-support-stablecoins","Does Mercury support stablecoins?",[15,630,631,632,115],{},"Mercury says its accounts can currently only hold fiat. You can send funds from a Mercury account to a crypto exchange (",[84,633,377],{"href":419,"rel":634},[88],[241,636,638],{"id":637},"does-holyheld-have-a-free-plan","Does Holyheld have a free plan?",[15,640,641],{},"No. Business membership is CHF 50 a month, or CHF 500 a year with 2 months free, excluding VAT.",[241,643,645],{"id":644},"can-one-company-hold-both-usd-and-eur-with-holyheld","Can one company hold both USD and EUR with Holyheld?",[15,647,648],{},"Yes. Named USD and EUR accounts are available for companies.",[19,650,265],{"id":264},[24,652,653,660,667,674],{},[27,654,655,659],{},[84,656,658],{"href":584,"rel":657},[88],"Mercury pricing",": plans, wire fees, the $15 OUR option and real-time payments. Checked on 23 October 2026.",[27,661,662,666],{},[84,663,665],{"href":393,"rel":664},[88],"Mercury FAQ",": eligibility and paid plans from $35 a month.",[27,668,669,673],{},[84,670,672],{"href":419,"rel":671},[88],"Mercury for crypto and web3 companies",": fiat-only accounts.",[27,675,676,294],{},[84,677,293],{"href":222},{"title":296,"searchDepth":297,"depth":297,"links":679},[680,681,682,683,684,685,691],{"id":21,"depth":297,"text":22},{"id":362,"depth":297,"text":363},{"id":518,"depth":297,"text":519},{"id":539,"depth":297,"text":540},{"id":589,"depth":297,"text":590},{"id":238,"depth":297,"text":239,"children":686},[687,688,689,690],{"id":617,"depth":309,"text":618},{"id":627,"depth":309,"text":628},{"id":637,"depth":309,"text":638},{"id":644,"depth":309,"text":645},{"id":264,"depth":297,"text":265},"Eligibility, currencies, stablecoins, fees and support compared, for companies choosing between Holyheld Business and Mercury.",{},{"title":335,"description":695,"label":696,"published":319,"modified":319,"cta":697},"Compare eligibility, account currencies, stablecoin support, transfer fees and support before you choose.","Comparisons","Named USD and EUR accounts, stablecoin conversion at 0.5% and swaps at 0%, with a dedicated concierge.","\u002Fguides\u002Fholyheld-vs-mercury",{"title":329,"description":692},{"loc":698},"guides\u002F03.holyheld-vs-mercury","AErAYK-jn30dPIJkXzfYs0il9xV9z1qsOPbe07ynZkE",{"id":4,"title":5,"body":704,"description":313,"extension":314,"meta":895,"navigation":896,"path":321,"seo":897,"sitemap":898,"stem":324,"__hash__":325},{"type":7,"value":705,"toc":880},[706,708,710,712,720,736,738,740,761,763,768,773,775,777,793,795,797,799,801,803,833,837,839,843,845,847,849,851,853,855,857,859],[10,707,13],{"id":12},[15,709,17],{},[19,711,22],{"id":21},[24,713,714,716,718],{},[27,715,29],{},[27,717,32],{},[27,719,35],{},[37,721,722],{"label":39},[41,723,724,728,732],{},[27,725,726,49],{},[46,727,48],{},[27,729,730,55],{},[46,731,54],{},[27,733,734,61],{},[46,735,60],{},[19,737,65],{"id":64},[15,739,68],{},[24,741,742,746,753,757],{},[27,743,744,76],{},[46,745,75],{},[27,747,748,82,750,90],{},[46,749,81],{},[84,751,89],{"href":86,"rel":752},[88],[27,754,755,96],{},[46,756,95],{},[27,758,759,102],{},[46,760,101],{},[19,762,106],{"id":105},[15,764,109,765,115],{},[84,766,114],{"href":112,"rel":767},[88],[15,769,118,770,124],{},[84,771,123],{"href":121,"rel":772},[88],[19,774,54],{"id":127},[15,776,130],{},[24,778,779,783,787],{},[27,780,781,138],{},[46,782,137],{},[27,784,785,144],{},[46,786,143],{},[27,788,789,150,791,155],{},[46,790,149],{},[84,792,154],{"href":153},[15,794,158],{},[19,796,162],{"id":161},[15,798,165],{},[15,800,168],{},[19,802,172],{"id":171},[174,804,805,813],{},[177,806,807],{},[180,808,809,811],{},[183,810,185],{},[183,812,188],{},[190,814,815,821,827],{},[180,816,817,819],{},[195,818,197],{},[195,820,200],{},[180,822,823,825],{},[195,824,205],{},[195,826,208],{},[180,828,829,831],{},[195,830,213],{},[195,832,216],{},[15,834,219,835,90],{},[84,836,223],{"href":222},[19,838,227],{"id":226},[15,840,230,841,235],{},[84,842,234],{"href":233},[19,844,239],{"id":238},[241,846,244],{"id":243},[15,848,247],{},[241,850,251],{"id":250},[15,852,254],{},[241,854,258],{"id":257},[15,856,261],{},[19,858,265],{"id":264},[24,860,861,866,871,876],{},[27,862,863,274],{},[84,864,273],{"href":112,"rel":865},[88],[27,867,868,281],{},[84,869,280],{"href":121,"rel":870},[88],[27,872,873,288],{},[84,874,287],{"href":86,"rel":875},[88],[27,877,878,294],{},[84,879,293],{"href":222},{"title":296,"searchDepth":297,"depth":297,"links":881},[882,883,884,885,886,887,888,889,894],{"id":21,"depth":297,"text":22},{"id":64,"depth":297,"text":65},{"id":105,"depth":297,"text":106},{"id":127,"depth":297,"text":54},{"id":161,"depth":297,"text":162},{"id":171,"depth":297,"text":172},{"id":226,"depth":297,"text":227},{"id":238,"depth":297,"text":239,"children":890},[891,892,893],{"id":243,"depth":309,"text":244},{"id":250,"depth":309,"text":251},{"id":257,"depth":309,"text":258},{"id":264,"depth":297,"text":265},{},{"title":13,"description":317,"label":318,"published":319,"modified":319,"cta":320},{"title":5,"description":313},{"loc":321},{"id":900,"title":901,"body":902,"description":1073,"extension":314,"meta":1074,"navigation":1075,"path":1079,"seo":1080,"sitemap":1081,"stem":1082,"__hash__":1083},"content\u002Fguides\u002F01.receiving-usd-eur-business-payments.md","Receiving USD and EUR payments for your company — Holyheld",{"type":7,"value":903,"toc":1066},[904,908,911,914,918,921,924,927,931,934,972,981,989,993,996,999,1022,1025,1028,1032,1035,1044,1047,1051,1058],[10,905,907],{"id":906},"receiving-usd-and-eur-payments-for-your-company","Receiving USD and EUR payments for your company",[15,909,910],{},"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.",[15,912,913],{},"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.",[19,915,917],{"id":916},"match-the-invoice-currency-to-the-receiving-account","Match the invoice currency to the receiving account",[15,919,920],{},"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.",[15,922,923],{},"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.",[15,925,926],{},"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.",[19,928,930],{"id":929},"give-the-customer-instructions-for-the-payment-route","Give the customer instructions for the payment route",[15,932,933],{},"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.",[174,935,936,946],{},[177,937,938],{},[180,939,940,943],{},[183,941,942],{},"Payment",[183,944,945],{},"Details to check before sending",[190,947,948,956,964],{},[180,949,950,953],{},[195,951,952],{},"USD by ACH",[195,954,955],{},"Beneficiary name, account number and the routing details supplied for ACH",[180,957,958,961],{},[195,959,960],{},"USD by wire",[195,962,963],{},"Beneficiary name and the wire instructions supplied for the account",[180,965,966,969],{},[195,967,968],{},"EUR by SEPA",[195,970,971],{},"Beneficiary name, IBAN and any additional details in the payment instructions",[15,973,974,975,980],{},"ACH and wire transfers are distinct routes. ",[84,976,979],{"href":977,"rel":978},"https:\u002F\u002Fwww.nacha.org\u002Fcontent\u002Fabcs-ach",[88],"Nacha’s ACH explainer"," describes ACH processing and settlement; its schedule should not be treated as a promise for every other type of payment.",[15,982,983,984,988],{},"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 ",[84,985,987],{"href":986},"\u002Fiban-calculator","IBAN calculator"," for format checks and verify the beneficiary details separately.",[19,990,992],{"id":991},"keep-the-invoice-and-payment-reference-together","Keep the invoice and payment reference together",[15,994,995],{},"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.",[15,997,998],{},"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.",[37,1000,1002],{"label":1001},"From invoice to reconciled receipt · Illustrative example",[41,1003,1004,1010,1016],{},[27,1005,1006,1009],{},[46,1007,1008],{},"Issue the invoice","\nINV-1042 requests USD 12,000, with the due date and payment reference.",[27,1011,1012,1015],{},[46,1013,1014],{},"Share USD instructions","\nUse the company's USD account details and include reference INV-1042.",[27,1017,1018,1021],{},[46,1019,1020],{},"Match the receipt","\nCheck the credited USD amount against INV-1042 and record any difference.",[15,1023,1024],{},"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.",[15,1026,1027],{},"Holyheld’s invoicing, virtual accounts and analytics support that organisation. Use team permissions to give colleagues access appropriate to their work.",[19,1029,1031],{"id":1030},"separate-sending-settlement-and-receipt","Separate sending, settlement and receipt",[15,1033,1034],{},"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.",[15,1036,1037,1038,1043],{},"Timing depends on the payment route and its processing stages. The ",[84,1039,1042],{"href":1040,"rel":1041},"https:\u002F\u002Fwww.ecb.europa.eu\u002Fpaym\u002Fretail\u002Finstant_payments\u002Fhtml\u002Findex.en.html",[88],"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.",[15,1045,1046],{},"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.",[19,1048,1050],{"id":1049},"check-costs-before-agreeing-payment-terms","Check costs before agreeing payment terms",[15,1052,1053,1054,1057],{},"Review the ",[84,1055,1056],{"href":222},"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.",[15,1059,1060,1061,1065],{},"When a customer wants to pay in stablecoins instead, agree the asset and network before they send. The ",[84,1062,1064],{"href":1063},"\u002Fguides\u002Fstablecoins-and-bank-payments","stablecoin and bank payment guide"," covers that workflow and the information to keep for reconciliation.",{"title":296,"searchDepth":297,"depth":297,"links":1067},[1068,1069,1070,1071,1072],{"id":916,"depth":297,"text":917},{"id":929,"depth":297,"text":930},{"id":991,"depth":297,"text":992},{"id":1030,"depth":297,"text":1031},{"id":1049,"depth":297,"text":1050},"A practical guide to account details, payment routes, invoice references and reconciliation for companies receiving USD and EUR.",{},{"title":907,"description":1076,"label":1077,"published":1078,"modified":1078},"Choose the right account details, help customers pay correctly and reconcile each receipt.","Bank payments","2026-09-06","\u002Fguides\u002Freceiving-usd-eur-business-payments",{"title":901,"description":1073},{"loc":1079},"guides\u002F01.receiving-usd-eur-business-payments","NUBXTxMs6ugXa9GoRJ8XwlQ9_hu34Bwu7T5zWOxq0QI",{"id":1085,"title":1086,"body":1087,"description":1235,"extension":314,"meta":1236,"navigation":1237,"path":1063,"seo":1239,"sitemap":1240,"stem":1241,"__hash__":1242},"content\u002Fguides\u002F02.stablecoins-and-bank-payments.md","Moving between stablecoins and bank payments — Holyheld",{"type":7,"value":1088,"toc":1228},[1089,1093,1096,1099,1103,1112,1115,1119,1122,1134,1137,1141,1144,1147,1170,1193,1196,1200,1203,1206,1209,1213,1220,1223],[10,1090,1092],{"id":1091},"moving-between-stablecoins-and-bank-payments","Moving between stablecoins and bank payments",[15,1094,1095],{},"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.",[15,1097,1098],{},"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.",[19,1100,1102],{"id":1101},"choose-the-direction-of-the-payment","Choose the direction of the payment",[15,1104,1105,1106,1108,1109,1111],{},"An ",[84,1107,154],{"href":153}," converts fiat into a supported digital asset. An ",[84,1110,532],{"href":531}," 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.",[15,1113,1114],{},"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.",[19,1116,1118],{"id":1117},"check-the-asset-and-the-network-together","Check the asset and the network together",[15,1120,1121],{},"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.",[15,1123,1124,1125,1128,1129,90],{},"USDC illustrates why this matters. Circle distinguishes ",[84,1126,89],{"href":86,"rel":1127},[88],": they have different issuance arrangements. A service supporting one form does not automatically support the other. Tether likewise publishes ",[84,1130,1133],{"href":1131,"rel":1132},"https:\u002F\u002Ftether.to\u002Fen\u002Fsupported-protocols\u002F",[88],"protocol-specific information for USD₮",[15,1135,1136],{},"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.",[19,1138,1140],{"id":1139},"review-conversion-and-delivery-as-separate-stages","Review conversion and delivery as separate stages",[15,1142,1143],{},"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.",[15,1145,1146],{},"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.",[37,1148,1150],{"label":1149},"Off-ramp · Stablecoins to a bank account",[41,1151,1152,1158,1164],{},[27,1153,1154,1157],{},[46,1155,1156],{},"Receive stablecoins","\nConfirm receipt of the supported asset on the agreed network.",[27,1159,1160,1163],{},[46,1161,1162],{},"Convert to fiat","\nReview the quote, fees and the USD or EUR amount for the bank payment.",[27,1165,1166,1169],{},[46,1167,1168],{},"Confirm bank receipt","\nTrack the transfer through to the beneficiary's account credit.",[37,1171,1173],{"label":1172},"On-ramp · Bank funds to stablecoins",[41,1174,1175,1181,1187],{},[27,1176,1177,1180],{},[46,1178,1179],{},"Receive bank funds","\nConfirm the fiat balance is available for the payment.",[27,1182,1183,1186],{},[46,1184,1185],{},"Convert to stablecoins","\nCheck the quote, asset and destination network together.",[27,1188,1189,1192],{},[46,1190,1191],{},"Confirm wallet receipt","\nVerify delivery to the agreed wallet on that network.",[15,1194,1195],{},"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.",[19,1197,1199],{"id":1198},"keep-a-complete-record-of-the-payment","Keep a complete record of the payment",[15,1201,1202],{},"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.",[15,1204,1205],{},"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.",[15,1207,1208],{},"Holyheld’s virtual accounts, analytics and team permissions help organise the company’s funds and responsibilities around these payments.",[19,1210,1212],{"id":1211},"read-the-relevant-price-and-quote","Read the relevant price and quote",[15,1214,1215,1216,1219],{},"The ",[84,1217,1218],{"href":222},"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.",[15,1221,1222],{},"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.",[15,1224,1225,1226,90],{},"For bank-payment instructions and invoice references, read ",[84,1227,907],{"href":1079},{"title":296,"searchDepth":297,"depth":297,"links":1229},[1230,1231,1232,1233,1234],{"id":1101,"depth":297,"text":1102},{"id":1117,"depth":297,"text":1118},{"id":1139,"depth":297,"text":1140},{"id":1198,"depth":297,"text":1199},{"id":1211,"depth":297,"text":1212},"A business guide to on-ramp and off-ramp payments: direction, asset and network checks, conversion, delivery and reconciliation.",{},{"title":1092,"description":1238,"label":318,"published":1078,"modified":1078},"Understand each direction, choose the asset and network, and track the payment through to receipt.",{"title":1086,"description":1235},{"loc":1063},"guides\u002F02.stablecoins-and-bank-payments","_Z0YXflfTJycV-R5HJEkZVOAseIG_8YGMLv6JPEkUus",{"id":1244,"title":1245,"body":1246,"description":1532,"extension":314,"meta":1533,"navigation":1534,"path":233,"seo":1537,"sitemap":1538,"stem":1539,"__hash__":1540},"content\u002Fguides\u002F04.usdc-to-iban.md","How to off-ramp USDC to an IBAN — Holyheld",{"type":7,"value":1247,"toc":1516},[1248,1252,1255,1257,1268,1291,1295,1321,1323,1336,1339,1342,1348,1351,1354,1357,1360,1363,1366,1371,1373,1419,1422,1436,1441,1445,1467,1469,1473,1476,1480,1483,1487,1490,1492],[10,1249,1251],{"id":1250},"how-to-off-ramp-usdc-to-an-iban","How to off-ramp USDC to an IBAN",[15,1253,1254],{},"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, off-ramp transfers cost 0.5%, outgoing SEPA transfers cost €0 and wires cost $10.",[19,1256,22],{"id":21},[24,1258,1259,1262,1265],{},[27,1260,1261],{},"A company paid in USDC that settles its costs in EUR by SEPA.",[27,1263,1264],{},"Moving a stablecoin balance into USD to pay a supplier by wire.",[27,1266,1267],{},"A finance team that needs the transaction hash and the bank reference on one record.",[37,1269,1271],{"label":1270},"Off-ramp: USDC to an IBAN",[41,1272,1273,1279,1285],{},[27,1274,1275,1278],{},[46,1276,1277],{},"Send the USDC","\nUse the deposit address and network named in your account.",[27,1280,1281,1284],{},[46,1282,1283],{},"Convert to EUR or USD","\nReview the quote, the 0.5% fee and the amount you receive.",[27,1286,1287,1290],{},[46,1288,1289],{},"Pay out to the IBAN","\nSend by SEPA or wire, and track it to the account credit.",[19,1292,1294],{"id":1293},"before-you-start","Before you start",[41,1296,1297,1303,1309,1315],{},[27,1298,1299,1302],{},[46,1300,1301],{},"The asset and network."," For example, USDC on Base. Both must be supported for your transaction.",[27,1304,1305,1308],{},[46,1306,1307],{},"The wallet you send from."," A self-custody wallet or an account at an exchange.",[27,1310,1311,1314],{},[46,1312,1313],{},"The destination account."," The IBAN, the account holder's name and the currency it receives.",[27,1316,1317,1320],{},[46,1318,1319],{},"The reference."," The invoice number or purpose the transfer settles.",[19,1322,1118],{"id":1117},[15,1324,1325,1326,1331,1332,1335],{},"Circle issues USDC natively on many networks and publishes the official contract address for each, including Ethereum, Arbitrum, Base and Solana (",[84,1327,1330],{"href":1328,"rel":1329},"https:\u002F\u002Fdevelopers.circle.com\u002Fstablecoins\u002Fusdc-contract-addresses",[88],"Circle","). Circle also distinguishes ",[84,1333,89],{"href":86,"rel":1334},[88],": a service that accepts one does not automatically accept the other.",[15,1337,1338],{},"Holyheld works with supported networks including Ethereum, Arbitrum, Base and Solana. Use the deposit instructions in your account, and confirm the asset and network combination before sending.",[19,1340,1277],{"id":1341},"send-the-usdc",[15,1343,1344,1345,115],{},"Copy the deposit 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 (",[84,1346,123],{"href":121,"rel":1347},[88],[15,1349,1350],{},"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.",[19,1352,1283],{"id":1353},"convert-to-eur-or-usd",[15,1355,1356],{},"Once the USDC arrives, review the quote: the asset, the amount, the fiat amount you will receive and the fees. Off-ramp transfers cost 0.5% on the Business membership.",[15,1358,1359],{},"Swapping between stablecoins costs 0%. If you hold a different stablecoin than the one your route needs, swap it first.",[19,1361,1289],{"id":1362},"pay-out-to-the-iban",[15,1364,1365],{},"Send EUR to an IBAN by SEPA; outgoing SEPA transfers cost €0 on the Business membership. For USD, or for a destination outside SEPA, send a wire. Wires cost $10, and international wires are sent as OUR, so the recipient receives the full amount.",[15,1367,1368,1369,90],{},"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 ",[84,1370,987],{"href":986},[19,1372,172],{"id":171},[174,1374,1375,1383],{},[177,1376,1377],{},[180,1378,1379,1381],{},[183,1380,185],{},[183,1382,188],{},[190,1384,1385,1391,1398,1405,1412],{},[180,1386,1387,1389],{},[195,1388,197],{},[195,1390,200],{},[180,1392,1393,1396],{},[195,1394,1395],{},"Off-ramp transfer",[195,1397,208],{},[180,1399,1400,1403],{},[195,1401,1402],{},"Outgoing SEPA transfer",[195,1404,477],{},[180,1406,1407,1410],{},[195,1408,1409],{},"Wire, domestic or international",[195,1411,439],{},[180,1413,1414,1417],{},[195,1415,1416],{},"Network fee for sending from your wallet",[195,1418,216],{},[15,1420,1421],{},"Two worked examples:",[24,1423,1424,1430],{},[27,1425,1426,1429],{},[46,1427,1428],{},"10,000 USDC to a EUR IBAN:"," 50 USDC in off-ramp fees and €0 for the SEPA transfer, plus the network fee. The EUR amount depends on the conversion quote at the time.",[27,1431,1432,1435],{},[46,1433,1434],{},"10,000 USDC to a USD account by wire:"," 50 USDC in off-ramp fees and $10 for the wire.",[15,1437,1438,1439,90],{},"Membership is CHF 50 a month or CHF 500 a year, excluding VAT; see ",[84,1440,223],{"href":222},[19,1442,1444],{"id":1443},"when-this-route-doesnt-fit","When this route doesn't fit",[24,1446,1447,1453,1459],{},[27,1448,1449,1452],{},[46,1450,1451],{},"The asset or network isn't supported for your transaction."," Swap it, or move it to a supported combination, before you send.",[27,1454,1455,1458],{},[46,1456,1457],{},"The money must arrive on a set day."," Onchain speed doesn't set the bank arrival time; discuss the payment with your concierge first.",[27,1460,1461,1464,1465,90],{},[46,1462,1463],{},"The supplier wants stablecoins."," Pay them directly instead: read ",[84,1466,13],{"href":321},[19,1468,239],{"id":238},[241,1470,1472],{"id":1471},"how-much-does-it-cost-to-off-ramp-usdc-to-an-iban","How much does it cost to off-ramp USDC to an IBAN?",[15,1474,1475],{},"On the Business membership, 0.5% for the off-ramp and €0 for the SEPA transfer, or $10 if you send a wire, plus the network fee for sending from your wallet.",[241,1477,1479],{"id":1478},"what-happens-if-i-send-usdc-on-the-wrong-network","What happens if I send USDC on the wrong network?",[15,1481,1482],{},"Funds sent on a network the deposit instructions don't name may not arrive. Contact your concierge with the transaction hash.",[241,1484,1486],{"id":1485},"can-i-send-from-an-exchange-account-instead-of-my-own-wallet","Can I send from an exchange account instead of my own wallet?",[15,1488,1489],{},"Yes, as long as the exchange sends the asset on the network named in your deposit instructions.",[19,1491,265],{"id":264},[24,1493,1494,1501,1506,1512],{},[27,1495,1496,1500],{},[84,1497,1499],{"href":1328,"rel":1498},[88],"Circle: USDC contract addresses",": networks where USDC is issued natively.",[27,1502,1503,288],{},[84,1504,287],{"href":86,"rel":1505},[88],[27,1507,1508,1511],{},[84,1509,280],{"href":121,"rel":1510},[88],": attack counts and losses.",[27,1513,1514,294],{},[84,1515,293],{"href":222},{"title":296,"searchDepth":297,"depth":297,"links":1517},[1518,1519,1520,1521,1522,1523,1524,1525,1526,1531],{"id":21,"depth":297,"text":22},{"id":1293,"depth":297,"text":1294},{"id":1117,"depth":297,"text":1118},{"id":1341,"depth":297,"text":1277},{"id":1353,"depth":297,"text":1283},{"id":1362,"depth":297,"text":1289},{"id":171,"depth":297,"text":172},{"id":1443,"depth":297,"text":1444},{"id":238,"depth":297,"text":239,"children":1527},[1528,1529,1530],{"id":1471,"depth":309,"text":1472},{"id":1478,"depth":309,"text":1479},{"id":1485,"depth":309,"text":1486},{"id":264,"depth":297,"text":265},"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, with the costs at each step.",{},{"title":1251,"description":1535,"label":318,"published":319,"modified":319,"cta":1536},"Check the asset and network, convert to EUR or USD, and pay out to a bank account by SEPA or wire.","Off-ramp at 0.5%, SEPA payouts at €0 and named USD and EUR accounts in one membership.",{"title":1245,"description":1532},{"loc":233},"guides\u002F04.usdc-to-iban","q4ZDuBHarcR_XRjrdMky6kSHzeCil2VwusQpLTqUuJw",1792750063279]