# Custodial vs Non-custodial - FAQ search anything Holyheld ## What is a non-custodial service? In short, a non-custodial dApp (decentralized application) is an interface and a set of smart contracts that you can interact with through your non-custodial wallet. Holyheld is a non-custodial service. Let’s explore this concept a bit deeper. Holyheld is a non-custodial service. Holyheld is not a wallet app like, for example Metamask, but is a dApp you connect your wallet to. You connect either your existing wallet, or generate a new wallet. ## Difference between a Coinbase account and a Coinbase Wallet A Coinbase account is a custodial wallet. Therefore, Coinbase holds your crypto on your behalf and gives you access to your wallet. The Coinbase wallet app is a non-custodial wallet. It means that only you have access to it. There are many non-custodial wallets, and most of them are compatible with Holyheld. There are pros and cons for both, but one important note to keep in mind: - 👆 With a non-custodial wallet, your security depends only on you. You MUST keep your secret phrase and keys safe. It’s not a password that you can reset if compromised. It’s serious, so please keep the keys safe. - If you use your Coinbase account to hold most of your crypto, you may not have used dApps before. dApps can be accessed with a non-custodial wallet. ## How do dApps work? Think about dApps on a blockchain as you think about apps on your smartphone. Apps use your phone to interact with companies and services in the world. dApps use your crypto wallet to interact with protocols and services on the blockchain. A dApp is like a linking bridge between your wallet and a tool, service, or a smart contract running on-chain. ## What are the risks of non-custodial services? There are a few. Although smart contracts can only do what the code says, it isn’t always easy for us, non-techies, to spot the risks. So here are the key factors to look into: - Check contract addresses on-chain to see if the code is verified. If the code is not verified – it doesn’t automatically mean it is malicious, but it creates more room for that. Open and verified code increases the chance that someone may spot a bug or a problem. - Look at the “Write” contract tab, and check available methods. If you spot something weird (e.g., the name or input parameters) - raise questions. - Check contract activity. What other wallets have been interacting with the smart contract, and how heavy is it used. # Send to a friend - FAQ search anything Holyheld Send a friend feature allows you to send crypto to a friend via the [**$holytag**](https://holyheld.com/faq/frequently-asked-questions/holytags), while they will receive money on their card. To send money to a friend via $holytag: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on “ ![](https://holyheld.com/images/content/icons/plus.png){:height='20' :width='20' inline=""} ” 3. Click on ![](https://holyheld.com/images/content/icons/send_to_holytag.png){:height='20' :width='20' inline=""} “Send to $holytag” 4. Choose an existing friend from the history or enter the $holytag of a recipient in the search bar 5. Choose the token and network you would like to use 6. Select the amount you would like to send 7. Allow access for Holyheld to use the tokens for the Send a friend 8. Review transaction details 9. Click “Send to a friend” 10. Confirm the transaction in your wallet # Fees and Limits - FAQ search anything Holyheld ## Limits Your account limits are as following: | Daily | Monthly | Annually | | ----------------------------------- | ----------------- | --------------- | | Spending limit on the IBAN | | | | **N/A** | **N/A** | **N/A** | | Spending limit on the card | | | | **10,000 EUR** | **25,000 EUR** | **250,000 EUR** | | Spending limit for ATM transactions | | | | **1,000 EUR\*** | **5,000 EUR\*\*** | **60,000 EUR** | \* Per 24 hours. :br \*\* Per 30 days. | Per single transaction on the virtual card | | ------------------------------------------ | | Online transaction | | **5,000 EUR** | | PoS transaction | | **5,000 EUR** | ## Fees The full list of available fees can be found [here](https://holyheld.com/legal/fees). # Card availability - FAQ search anything Holyheld Holyheld is currently available to residents of 30 countries with more to come. Check if Holyheld is available in yours: ::prose-available-countries-list :: Please note, Holyheld is currently unable to onboard nationals from Afghanistan, Albania, Barbados, Burkina Faso, Burundi, Cambodia, Cayman Islands, Central African Republic, Congo, Cuba, Guinea, Haiti, Iran, Iraq, Jamaica, Jordan, Kosovo, Lebanon, Libya, Mali, Morocco, Mozambique, Myanmar, Nicaragua, Nigeria, North Korea, Pakistan, Panama, Philippines, Moldova, Senegal, Somalia, South Africa, South Sudan, Sudan, Syria, Tanzania, Trinidad and Tobago, Turkey, Uganda, United Arab Emirates, Vanuatu, Venezuela, Western Sahara, Yemen, and Zimbabwe. # Receiving a payment - FAQ search anything Holyheld You can receive SEPA transfers to your Holyheld account. To do so you'll need your bank account details. To get your bank account details: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on your Holyheld Card to open card menu 3. Click on ![](https://holyheld.com/images/content/icons/account_details.png){:height='20' :width='20' inline=""} “Account Details” 4. Confirm the security with the passcode, or biometrics 5. Copy your IBAN, bank code, and beneficiary bank information by clicking on them # View your Card Details - FAQ search anything Holyheld Here is how can check your Holyheld Card details: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on your Holyheld Card to open card menu 3. Click on ![](https://holyheld.com/images/content/icons/account_details.png){:height='20' :width='20' inline=""} “Account Details” 4. Confirm the security with the passcode, or biometrics 5. Copy your card information clicking on the corresponding field # Buy & Sell crypto - FAQ search anything Holyheld The buy and sell crypto feature allows you to top up your Holyheld Card straight from your self-custody wallet or vice versa on the desired network. ## To buy crypto to your wallet: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on “ ![](https://holyheld.com/images/content/icons/plus.png){:height='20' :width='20' inline=""} ” on the main screen 3. Click on ![](https://holyheld.com/images/content/icons/buy_crypto.png){:height='20' :width='20' inline=""} “Buy crypto” 4. Choose the network and token you would like to purchase by clicking on the network icon in the search bar 5. Select the amount in EUR or in tokens 6. Choose the wallet you would like to receive your crypto 7. Review transaction details 8. Click “Purchase” 9. Confirm the transaction in your wallet ## To sell crypto: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on “ ![](https://holyheld.com/images/content/icons/plus.png){:height='20' :width='20' inline=""} ” on the main screen 3. Click on ![](https://holyheld.com/images/content/icons/top_up.png){:height='20' :width='20' inline=""} “Sell crypto” 4. Choose the wallet you would like to sell your crypto from by tapping on the [insert wallet icon] 5. Choose the network and token you would like to use by clicking on the network icon in the search bar 6. Allow access for Holyheld to use the tokens you want to sell 7. Select the amount in EUR or in tokens 8. Review transaction details 9. Click “Sell” 10. Confirm the transaction in your wallet # Lost or stolen card - FAQ search anything Holyheld You can block and unblock your card at any time in the Holyheld app. If your card is **lost** or you suspect that it might have been compromised, please block the card immediately. To block your card: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click your your Holyheld Card on web app or in mobile app to open card menu 3. Toggle “Freeze card” 4. Issue a replacement [new virtual card](https://holyheld.com/faq/frequently-asked-questions/how-to-issue-a-new-virtual-card) in the app and talk to support about whether you want a replacement physical card. 5. Click on ![](https://holyheld.com/images/content/icons/support.png){:height='20' :width='20' inline=""} to contact our support if you have any other concerns. # Receive from a friend - FAQ search anything Holyheld Send a friend feature allows you to send crypto to a friend via the [**$holytag**](https://holyheld.com/faq/frequently-asked-questions/holytags), while they will receive money directly on their card. Receiving money from friends via $holytags is gasless and free. How to confirm or reject an incoming transaction via $holytag: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Go to transaction history by pressing on ![](https://holyheld.com/images/content/icons/clock.png){:height='20' :width='20' inline=""} icon in the navigation bar 3. Find an incoming transaction request in the pending transactions section 4. Click on the transaction to open details 5. Confirm the details of the incoming transfer 6. Click on “Confirm” or "Reject" 7. Confirm the transaction in your wallet # Bank transfer - FAQ search anything Holyheld With your personal IBAN, you can send and [**receive**](https://holyheld.com/faq/hot-topics/receiving-a-payment) SEPA transfers. SEPA transfers are in EUR, and supported by almost all financial institutions in the EEA area. Outgoing SEPA transfers are using SEPA Instant and are typically complete within minutes. However, please note that in some cases it may take longer to process the transfer. To send a SEPA transfer: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on “ ![](https://holyheld.com/images/content/icons/plus.png){:height='20' :width='20' inline=""} ” 3. Click on ![](https://holyheld.com/images/content/icons/bank_transfer.png){:height='20' :width='20' inline=""} “Bank transfer” 4. Choose a beneficiary for the transfer. If it is a new beneficiary 5. Select the type of the recipient “Business” or “Individual” to create a new beneficiary 6. Enter and confirm new beneficiary details You can use either an existing ![](https://holyheld.com/images/content/icons/account_balance.png){:height='20' :width='20' inline=""} account balance or use tokens directly ## Use an existing balance 7. Select ![](https://holyheld.com/images/content/icons/account_balance.png){:height='20' :width='20' inline=""} "Account balance" 8. Enter the transfer amount 9. Allow access for Holyheld to use the tokens for the Bank transfer 10. Enter bank transfer reference (it is an optional message that is sent along with the transfer) 11. Review transfer details 12. Confirm the transfer with the passcode or biometrics ## Use tokens directly 7. If you want to use tokens directly, choose a token and a network and wallet 8. Enter the transfer amount 9. Allow access for Holyheld to use the tokens for the Bank transfer 10. Enter bank transfer reference (it is an optional message that is sent along with the transfer) 11. Review transfer details 12. Confirm the transfer with the passcode or biometrics # How to Signup and Login - FAQ search anything Holyheld Holyheld allows you to signup both, an existing wallet, and create a [new one](https://holyheld.com/faq/frequently-asked-questions/create-new-wallet). You can read more about the [supported wallets](https://holyheld.com/faq/frequently-asked-questions/supported-wallets). Please note once you start your registration, you will not be able to change your wallet address for security reasons. Only after your account becomes active, you will be able to [add additional wallets](https://holyheld.com/faq/frequently-asked-questions/how-to-add-and-remove-wallets) to your account. ## How to signup to Holyheld? 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on “Sign In” 3. Enter your Email and the confirmation code send to your Email 4. Create a [passcode](https://holyheld.com/faq/frequently-asked-questions/change-passcode) 5. Confirm the passcode 6. Go through our identification process 7. Either connect your existing wallet or create a [new one](https://holyheld.com/faq/frequently-asked-questions/create-new-wallet) 8. Pay for the card from your prefered network to activate your account ## How to Login to Holyheld? 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on “Sign In” 3. Enter your Email and the confirmation code send to your Email 4. Enter your [passcode](https://holyheld.com/faq/frequently-asked-questions/change-passcode) 5. You are loged in! ## What if the wallet I want to use is not on the list? ### For iOS The wallet list is limited, and if the wallet you want to connect is not on the list, it means that it is not support by Holyheld due to security requirements, or technical requirements. However, if you really want your favorite wallet that is not on the list to be supported, please message us in the app support. ### For Android 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on “Connect Wallet” 3. Scroll all the way down to the option "Other wallets" 4. Click on it, and it will open a general connect menu in your Android device 5. If the wallet you select is compatible, it will connect Please note, if the wallet is not on the list, there may be bugs, or certain features may not be fully supported. # My SEPA payment is missing - FAQ search anything Holyheld If you are waiting for an incoming SEPA payment, if the sending bank supports SEPA instant, the payment will arrive within minutes. If the sending bank does not support SEPA instant, the payment will arrive in your account in 1-3 business days. If you have made an outgoing SEPA payment, the payment will arrive within minutes. However, in some cases, the processing time may take longer. Please note, we unfortunately do not have the ability of pulling your payment back once it has been sent. If after 3 business days your deposit has not arrived, please reach out to the customer support in [the chat](https://app.holyheld.com/){rel="nofollow"}, and provide details about your transaction. Our friendly support is here to help. The easiest way to report an issue with the outgoing SEPA transfer, is to: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Go to transaction history by pressing on ![](https://holyheld.com/images/content/icons/clock.png){:height='20' :width='20' inline=""} icon in the navigation bar 3. Find an the outgoing SEPA transfer on the list 4. Click on the transaction to open details 5. Click on "![](https://holyheld.com/images/content/icons/more.png){:height='20' :width='20' inline=""}" to open the menu 6. Click on "![](https://holyheld.com/images/content/icons/support.png){:height='20' :width='20' inline=""}" “Report an issue" 7. You will be transferred to the support chat 8. Provide additional details if needed, and send the message The easiest way to report an issue with the incoming SEPA transfer, is to: 1. Reach out to the customer support in [the chat](https://app.holyheld.com/){rel="nofollow"} 2. Provide details, and supporting documentation about the missing transfer # How to add card to Apple Pay - FAQ search anything Holyheld You can use your Holyheld card in Apple Pay across your Apple devices. To import your card to Apple Pay: 1. Go to ![](https://holyheld.com/images/content/icons/wallet-ios.png){:height='20' :width='20' inline=""} Wallet app on your device 2. Click “+” at the top right corner 3. You will see a list of banking providers 4. Click “Enter card details manually” at the bottom of the page 5. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 6. Click on your Holyheld Card to open card menu 7. Click on ![](https://holyheld.com/images/content/icons/account_details.png){:height='20' :width='20' inline=""} “Account Details” 8. Confirm the security with the passcode, or biometrics 9. Copy your card information clicking on the corresponding field 10. Paste card information in ![](https://holyheld.com/images/content/icons/wallet-ios.png){:height='20' :width='20' inline=""} Wallet app 11. Read and accept Terms and Conditions 12. Validate your card with the security code via SMS 13. Your card is now activated If you experience any issues adding your card to Apple Pay, please reach out to the customer support in [the chat](https://app.holyheld.com/){rel="nofollow"}, and our support will help you tokenize your card. To help you with the manual tokenization, our support will need the following information from you: 1. Go to ![](https://holyheld.com/images/content/icons/wallet-ios.png){:height='20' :width='20' inline=""} Wallet app on your device 2. Click on the Holyheld card 3. Click on ![](https://holyheld.com/images/content/icons/info.png){:height='20' :width='20' inline=""} button at the top right corner 4. Go to "Card information and details" 5. In the "Apple Pay" field you will see four digits. This is your "Apple Pay" ID 6. Share it with the support to get help with manual tokenization # How to add card to G-Pay - FAQ search anything Holyheld You can use your Holyheld card in Google Pay across your Android devices. To import your card: 1. Go to ![](https://holyheld.com/images/content/icons/wallet-android.png){:height='20' :width='20' inline=""} Wallet app on your device 2. Click “+ Add to Wallet” at the bottom right corner 3. Select “Payment Card” 4. Click “+ New credit or debit card” 5. Click “Enter card details manually” at the bottom 6. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 7. Click on your Holyheld Card to open card menu 8. Click on ![](https://holyheld.com/images/content/icons/account_details.png){:height='20' :width='20' inline=""} “Account Details” 9. Confirm the security with the passcode, or biometrics 10. Copy your card information clicking on the corresponding field 11. Paste card information in ![](https://holyheld.com/images/content/icons/wallet-android.png){:height='20' :width='20' inline=""} Wallet app 12. Read and accept Terms and Conditions 13. Validate your card with the security code via SMS 14. Your card is now activated If you experience any issues adding your card to G-Pay, please reach out to the customer support in [the chat](https://app.holyheld.com/){rel="nofollow"}, and our support will help you tokenize your card. To help you with the manual tokenization, our support will need the following information from you: 1. Android Operational system information 2. Device brand and model 3. Device ID All of the above details can be found in the Android device settings. # How to add and remove wallets to account - FAQ search anything Holyheld You can add and remove self-custody wallets that you solely own and manage into your Holyheld account. To add an additional wallet: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Tap on your wallet on the main screen 3. Click on ![](https://holyheld.com/images/content/icons/plus-light.png){:height='20' :width='20' inline=""} "Add new wallet" 4. Choose to either create a [new one](https://holyheld.com/faq/frequently-asked-questions/create-new-wallet) and follow the steps or use the option to add an existing wallet 5. If adding an existing wallet aste the new wallet address you would like to add 6. Click on "Add wallet" 7. A confirmation request will show up in your current wallet 8. Sign the request with your wallet 9. An email with a one-time code will be sent to your registered email 10. Enter the code and confirm it 11. Your new wallet will is added to your account To remove a wallet: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Tap on your wallet on the main screen 3. Click on the ![](https://holyheld.com/images/content/icons/more.png){:height='20' :width='20' inline=""} next to the wallet you would like to remove 4. Click "Remove wallet" and "Confirm" Please note, removing a wallet triggers a security cooldown of 24 hours. It means that any change will happen only after the cooldown. # How to Logout - FAQ search anything Holyheld Holyheld is not a wallet, instead, it works with your self-custody wallet. You can read more about the [supported wallets](https://holyheld.com/faq/frequently-asked-questions/supported-wallets). To Logout from your acount: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on “![](https://holyheld.com/images/content/icons/settings.png){:height='20' :width='20' inline=""}” to get to Settings 3. At the bottom of your settings click on the red button “Log out” 4. Confirm the action, and you will be logged out of your account # How to invite friends - FAQ search anything Holyheld If your friends join through your referral link, both you and them will receive rewards. To get your referral link: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on “![](https://holyheld.com/images/content/icons/settings.png){:height='20' :width='20' inline=""}” to get to Settings 3. Click on “![](https://holyheld.com/images/content/icons/friends.png){:height='20' :width='20' inline=""}” “Friends” 4. Tap on “ ![](https://holyheld.com/images/content/icons/plus-light.png){:height='20' :width='20' inline=""} ” to copy your personal referral link 5. Share the link with your friends ## If your friend is using Web app Once you share the link with them, they can proceed with the registration of the account. The reward will be automatically credited. ## If your friend is using Mobile app During the onboarding, your friend will be asked if they have been invited by someone. They need to enter your current $holytag for an invite reward to be credited. ## If my friend forgot to enter my $holytag No worries. Please ask your friend to reach out to our support in the in-app chat, and our team will help to correct that. # Transaction statement - FAQ search anything Holyheld If you need to download or present a PDF statement for any transaction, you can download one in the app ## On the web app 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld web app 2. Go to transaction history by pressing on ![](https://holyheld.com/images/content/icons/clock.png){:height='20' :width='20' inline=""} icon in the navigation bar 3. Find the transaction you want to get the statement for 4. Click on the transaction to open details 5. Click on ![](https://holyheld.com/images/content/icons/info.png){:height='20' :width='20' inline=""} "Need help?" to open the menu 6. Click on ![](https://holyheld.com/images/content/icons/statement.png){:height='20' :width='20' inline=""} “Download statement" 7. a PDF statement will open on your device ## On the mobile app 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld mobile app 2. Go to transaction history by pressing on ![](https://holyheld.com/images/content/icons/clock.png){:height='20' :width='20' inline=""} icon in the navigation bar 3. Find the transaction you want to get the statement for 4. Click on the transaction to open details 5. Click on ![](https://holyheld.com/images/content/icons/more.png){:height='20' :width='20' inline=""} to open the menu 6. Click on ![](https://holyheld.com/images/content/icons/statement.png){:height='20' :width='20' inline=""} “Download statement" 7. a PDF statement will open on your device # Physical card order - FAQ search anything Holyheld The physical card order and delivery process is straightforward and can be initiated through the Holyheld app. Here's how it works: 1. **Order Card via Pop Up**: - When you're eligible for a physical card, you'll see a pop-up notification in the app - Click on the pop-up to start the ordering process > 🔔 When confirming your address check all information is there, including postal code. If something is missing or there is a typo, let us know in the support chat. The card can only be delivered to your registered address. If you need to change your registered address you will need to do so with a new proof of address document. 2. **Missed the Pop Up?**: - If you accidentally closed the pop-up, don't worry, simply reach out to our support team, and they'll help you order your card ## Delivery Timeline - The physical card typically arrives within approximately 2 weeks - You can track your card's delivery status directly in the app and tracking code will be provided to you through the app interface ## Need Help? If you have any questions about your card delivery or need assistance, please don't hesitate to contact our support team. We're here to help ensure you receive your card smoothly and on time. # How to issue a new virtual card - FAQ search anything Holyheld You may need to issue a new virtual card for various reasons, such as when your current card expires or if your card details have been compromised. Here's how to do it: ## When to Issue a New Card You should consider issuing a new virtual card in the following situations: - Your current card has expired - Your card details have been compromised or leaked - You want to replace your existing card for security reasons ## How to Issue a New Card 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on your Holyheld Card to open card menu 3. Click on ![](https://holyheld.com/images/content/icons/issue_new_card.png){:height='20' :width='20' inline=""} "Issue new card" 4. Follow the steps to complete the process ## Important Notes - Issuing a new card will deactivate your current virtual card - The new card will be available immediately after issuance - Make sure to update any recurring payments or subscriptions with your new card details ## Need Assistance? If you encounter any issues while issuing a new card or have questions about the process, please contact our support team for assistance. # How to download an account statement as PDF or CSV - FAQ search anything Holyheld You can easily download your account statements in either PDF or CSV format through the Holyheld app. ## Export Your Account Statement 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on your Holyheld Card to open card menu 3. Click on ![](https://holyheld.com/images/content/icons/export_history.png){:height='20' :width='20' inline=""} "Export History" 4. Choose your preferred format: - PDF format for a printable document - CSV format for accounting purposes 5. Select the time period for your statement 6. Click "Generate" 7. Save the file to your device ## Need Help? If you encounter any issues while downloading your statement or have questions about the available formats, please contact our support team for assistance. # Create new wallet - FAQ search anything Holyheld If you are just getting started, and don't have a wallet - it is not a problem. You can create a new wallet in Holyheld. Please note, that Holyheld does not own, have access, or can help recover keys to your new wallet. Please make sure to write it down securely. Don’t share it with anyone. To create new wallet: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on “Sign in” 3. Select the option to create a Passkey for the ![](https://holyheld.com/images/content/icons/new_wallet.png){:height='20' :width='20' inline=""} new wallet 4. Confirm the Terms & Conditions 5. Once your new wallet is created, customize it by giving it a name, and assigning a color. 6. View your recovery phrase 7. Make sure to securely write it down in a safe place. You will not see it anywhere after this screen, and Holyheld does not have access, neither it can help recover if you ever lose the recovery phrase. 8. Confirm the Passkey creation # How to change or update your account details - FAQ search anything Holyheld To update your account details such as your address, email, or phone number, you'll need to contact our support team. Here's the process: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on ![](https://holyheld.com/images/content/icons/more.png){:height='20' :width='20' inline=""} to open the menu 3. Click on ![](https://holyheld.com/images/content/icons/support.png){:height='20' :width='20' inline=""} "Support" to contact our team 4. Our team will send you a secure link to update your details 5. Follow the link to access the update form 6. Submit your new information ## What Can Be Updated You can update the following information: - Physical address - Email address - Phone number - Other personal information For your security: - All updates require verification - You may need to provide additional documentation - Changes will be reviewed by our team before being applied ## Need Assistance? If you need help updating your account details or have questions about the process, please don't hesitate to contact our support team. We're here to help ensure your information is kept up to date securely. # How to resolve dormant fees - FAQ search anything Holyheld Dormant fees are applied when your card or IBAN haven't been used for an extended period. Here's everything you need to know about dormant fees and how to resolve them: ## Understanding Dormant Fees Dormant fees are outlined in the app and on our [website](https://holyheld.com/faq/hot-topics/fees-and-limits){rel="nofollow"}. These fees are applied when: - Your card hasn't been used for 4+ months - Your IBAN hasn't been used for 5+ months ## Preventing Dormant Status To prevent your account from going dormant, you can: - Send or receive a SEPA transfer - Buy crypto from inside the Holyheld app Each transaction resets the "timer" and prevents dormant status. ## Resolving Dormant Fees 1. When your account becomes dormant, you'll see a pop-up notification 2. Click the "Pay" button to settle the fee from your balance 3. If you don't have sufficient funds, you'll need to top up first 4. After payment, you'll see a confirmation that your account is being reactivated Reactivation is a manual process and typically resolved the same or next working day during normal banking hours. ## Need Help? If you encounter any issues with dormant fees or reactivation, please contact our support team for assistance. We're here to help resolve any concerns you may have. # My top up is missing or pending - FAQ search anything Holyheld If your top-up is taking longer than expected or appears to be missing, here's what you need to know: ## Normal Processing Time - Top-ups typically process within minutes - If your top-up is taking longer than usual, there might be a temporary delay ## What to Do 1. **Check Transaction Status**: - Look for any error messages in the app - Verify the transaction status in your wallet 2. **Contact Support**: - If the delay persists or you see an error, please contact our support team - We'll help investigate the issue and ensure your funds are properly credited 3. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 4. Go to transaction history by pressing on ![](https://holyheld.com/images/content/icons/clock.png){:height='20' :width='20' inline=""} icon in the navigation bar 5. Find the top up transaction on the list 6. Click on the transaction to open details 7. Click on "![](https://holyheld.com/images/content/icons/more.png){:height='20' :width='20' inline=""}" to open the menu 8. Click on "![](https://holyheld.com/images/content/icons/support.png){:height='20' :width='20' inline=""}" “Report an issue" 9. You will be transferred to the support chat 10. Provide additional details if needed, and send the message ## On-Chain Transactions In rare cases where: - The transaction goes through on-chain - Funds are sent from your wallet - But the top-up isn't credited Our team will ensure you are credited as soon as possible. Please contact support with the transaction details for assistance. ## Need Help? If you're experiencing issues with your top-up or have questions about the process, please don't hesitate to contact our support team. We're here to help resolve any concerns you may have. # My SEPA is pending or missing - FAQ search anything Holyheld If your SEPA transfer is showing as pending or misisng, don't worry. Here's what you need to know: ## Understanding Pending SEPA Transfers If your SEPA is pending then it does not mean anything is wrong. The most common reason for this is that is has been sent Express SEPA rather than Instant SEPA. This could be for a number of reasons, but Express SEPA are should arrive same, or next, working day depending on when you started the transfer. ## What to Do If your SEPA transfer is pending: 1. Check the expected arrival time based on when you initiated the transfer 2. Wait for the standard processing time (same or next working day) 3. If you have concerns or questions, contact our support team ## Need Help? If you have any questions about your pending SEPA transfer or need assistance, please don't hesitate to contact our support team. We're here to help ensure your transfers are processed smoothly. # Pending Verification - FAQ search anything Holyheld The verification process typically takes a few minutes, but in some cases, it may take longer. Here's what you need to know: ## Standard Processing Time - Most verifications are completed within a few minutes - Some verifications may require additional review or clarification Verification may take longer if: - Manual review is required - Additional documentation needs to be submitted - Clarification is needed on submitted information ## What to Expect 1. **Email Notifications**: - Keep an eye on your email for any communications from our team - We may need to contact you for additional information 2. **Processing Time**: - If verification takes more than 24 hours - And you haven't received any emails from us - Please contact us for investigation ## Contact Support If you need assistance: - Use the chat function in the app if available - Email us at if chat is not available - We'll help investigate your verification status # Failed Card Payment - FAQ search anything Holyheld If your card payment fails, the first thing to try is to insert the card and enter the PIN. If this still does not work, please check the Holyheld app and click on the transaction in your account history. Here you will see more details about the failure and can help you resolve the issue. ## Common Issues and Solutions ### Insufficient Funds A common error that is easily solved is "Insufficient Funds". - First check that you have topped up your account using either Sell Crypto or Receive Payment - If you recently activated your Physical card, or you have been issued with a new virtual card, check you are using the correct card details online or with Google/Apple Pay. - Similarly, if you have very recently had a new card issued or activated, check that your balance migration has been completed. This is usually fast but can take up to an hour on rare occasions. If it takes longer than expected, please contact support. ### Excessive PIN Failures If you have this message, then you will need to request a new PIN and activate your new PIN like you did when you first received your card, by inserting it and inputting the new PIN so that your card knows it has changed. ### Operation not Allowed This error usually means you have gone, or are about to go, over the limits for card spending or ATM withdrawals. - Check the limits page and the limits counter in the app to see what your current spending for the current period is - Press the ? to see when your limits reset - If you are making a purchase above 5000 EUR, but below 10 000 EUR, ask the merchant to split the payment, or see if they will accept a SEPA transfer ### Nothing shows in my Holyheld account history If nothing shows in the Holyheld app history, this will often mean that the issue is on the merchant side. The issue could be with their payment terminal, such as its connection status, or an issue with their online payment systems or payment processor. In this case it is best to contact them to see if they are having any issues. ## Need Further Assistance? If you have continued problems, or need help with any of the above, contact us and we will help guide you to a solution. # Receiving Email and SMS - Holyheld ## I am not receiving emails from Holyheld Your registered email address is the one used for all communications from Holyheld—including account opening confirmations, login alerts, card top-ups, bank transfer notifications, and more. If you are not receiving these emails, please contact support so we can check the delivery status. Additionally, if you have lost access to your email or know that your email provider is shutting down, please reach out to us so we can update your email address and ensure you continue receiving important notifications. ## I am not receiving SMS from Holyheld (OTP, Card Activation, PIN Code Delivery) It is rare for SMS issues to occur, but sometimes messages may be delayed due to signal problems in your area. If your SMS still does not arrive after a few minutes, please review the following checks: 1. Verify Your SMS History: Have you received any SMS from Holyheld previously? If not, please ensure that your registered mobile number is correct. You can share the last four digits of your number in the chat, and we will check it to ensure it matches our records. 2. Check Your Device Settings: It’s possible that your mobile device is blocking our messages. Please review your device settings, including roaming and spam filters, to ensure messages from Holyheld are not being blocked. 3. Contact Your Mobile Operator: Your mobile operator might be inadvertently blocking messages from us. Contact them to verify if any SMS restrictions or blocks are in place. Providing the times you expected to receive SMS from Holyheld can help them identify any issues. If none of these steps resolve the problem, please contact our support team so we can further investigate the delivery status or assist you in updating your registered mobile number. # Passkey - FAQ search anything Holyheld You can create a Passkey for Holyheld using an external wallet you already own or you can create a new wallet. Passkey allows you to sign transactions in Holyheld securely with your device biometrics. To create a Passkey for an existing external wallet you will need either a Private Key, or a Recovery Phrase. Either can be found in the wallet app you want to add from. ## Create Passkey for existing external wallet You can create a Passkey for Holyheld using an external wallet you already own. To create one, you will need to enter either a Private Key or a Recovery Phrase. Either can be found in the wallet app you want to add from. 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on “Sign in” 3. Select the option to create a Passkey for the ![](https://holyheld.com/images/content/icons/existing_wallet.png){:height='20' :width='20' inline=""} existing wallet 4. There will be two options via a ![](https://holyheld.com/images/content/icons/recovery_phrase.png){:height='20' :width='20' inline=""} "Recovery phrase" or a ![](https://holyheld.com/images/content/icons/private_key.png){:height='20' :width='20' inline=""} "Private key" 5. A "Recovery phrase" is a phrase that consists of 12 words. Please note, there can be multiple wallets under the same recovery phrase, and that is okay, you can select a specific wallet during the flow. 6. A "Private key" is a long string of digits and letters dedicated for a specific wallet. 7. Once you choose the option you prefer you will need to enter it. 8. Once confirmed, you will see the wallet address you can add to Passkey 9. Confirm the Passkey creation 10. Create a [passcode](https://holyheld.com/faq/frequently-asked-questions/change-passcode) 11. Confirm the passcode ## Create Passkey for new wallet By creating [new wallet](https://holyheld.com/faq/frequently-asked-questions/create-new-wallet), you automatically create a Passkey for it. There is no extra action required here. ## Troubleshooting In case there is an issue with any of your passkeys, for example after an update or you accidentally deleted the app - you can attempt to restore the passkey by doing the following steps: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Tap on your wallet on the main screen 3. Click on the ![](https://holyheld.com/images/content/icons/more.png){:height='20' :width='20' inline=""} next to the wallet you would like to restore your passkey 4. Click "Restore Passkey" # Change passcode - FAQ search anything Holyheld A passcode is a 4-digit code that helps keep your account secure. You will use it to authenticate into the application, or any time viewing sensitive data. You can change your passcode at any time. To change your passcode: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Go to ![](https://holyheld.com/images/content/icons/settings.png){:height='20' :width='20' inline=""} Settings 3. Click on ![](https://holyheld.com/images/content/icons/privacy.png){:height='20' :width='20' inline=""} “Privacy” 4. Click on ![](https://holyheld.com/images/content/icons/change_passcode.png){:height='20' :width='20' inline=""} “Change passcode” 5. Enter your current passcode 6. Enter new passcode 7. Confirm new passcode ## Forgot your passcode? If you forgot your passcode, or locked yourself out by entering an incorrect passcode - no worries. You can always reset your passcode. How to reset your passcode: ### I have an active account 1. Once locked out of your account, you will see two options "Support" and "Reset code" 2. Click on "Reset code" 3. An email with one-time password will be sent to your registered email address 4. Enter the security code from your email 5. Create new passcode 6. Confirm the passcode If you are experiencing issues with the one-time code from email, you can click on "Support" to reach out to our support team in the chat. ### I started onboarding, but still don't have an active account 1. Once locked out of your account, you will see two options "Support" and "Reset code" 2. Click on "Reset code" 3. You will be prompted with the signature in your connected wallet 4. Confirm the signature request 5. Create new passcode 6. Confirm the passcode If you are experiencing issues with confirming the signature request in your wallet, you can click on "Support" to reach out to our support team in the chat. # Static Password - FAQ search anything Holyheld A static password is required for online purchases, during the checkout. It serves as an additional security measure. You will need to set it, before you can make purchases online. ## Where is it asked? When you make purchases within the EU, merchants are required to have SCA (Strong Customer Authentication) and you will be asked to enter your static password. ![](https://holyheld.com/images/content/static-password.png){:height='591' :width='295'} ## Can I change it? Yes, you can always change your static password. Static password must meet the following criteria: - Have minimum 8 characters - Have Maximum 30 characters - Must contain at least 1 number - Must contain at least 1 lower case letter - Must contain 1 upper case letter - Must not include more than 3 consecutive repeatable characters - Must not contain special characters ## How to change static password? 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Click on your Holyheld Card to open card menu 3. Click on ![](https://holyheld.com/images/content/icons/static_password.png){:height='20' :width='20' inline=""} “Static Password” 4. Enter the new static password that fits the security requirements 5. Save it # Supported Wallets - FAQ search anything Holyheld Holyheld is not a wallet, instead you can connect your pre-existing non-custodial wallet. There are many non-custodial wallets that exist right now with many more to come. Holyheld is not affiliated with any of them, but supports the following wallets: ::prose-supported-wallets-list :: If you do not see your favorite wallet on the list, please reach out to your support in the in-app chat, so that our team can check if it can be added. # Supported Networks - FAQ search anything Holyheld Holyheld is omnichain. The list of supported blockchain networks is constantly updated and expanded. Here are the networks you can use: ::prose-supported-networks-list :: Upcoming networks: ::prose-upcoming-networks-list :: # $holytag - FAQ search anything Holyheld ## What is a $holyheld tag? It is a secure identifier that allows your friends, family, as well as smart contracts, and favorite protocols to send money, and for you to accept it on the debit card without exposing your wallet address or personal details. ## How exactly does it work? By signing a tag with your wallet, you create a one-way connection. Your wallet, and your Holyheld account become attached to the tag, allowing you to share it without exposing your personal details. We use zk-technology to securely create the hash. When your friends send you money, the smart contracts recognise the account connected to the specified tag, allowing you to accept or decline incoming transaction. ## How much does it cost? It’s free. It costs zero, zilch, zip, nil, nought, nothing. In order to create a tag, all you need is to choose the desired available tag, and sign it with your self-custody wallet. ## How to create a $holytag? It is very easy to do, and you can always change your $holytag later. To create a $holytag: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Go to ![](https://holyheld.com/images/content/icons/settings.png){:height='20' :width='20' inline=""} Settings 3. Click on ![](https://holyheld.com/images/content/icons/holytag.png){:height='20' :width='20' inline=""} "Holytag" 4. Choose the holytag you’d like to reserve 5. Click on “Get the $holytag” 6. Confirm with the signature in your wallet ## How to update a $holytag? If you decided to change your $holytag, you can do so at any time. To change a $holytag: 1. Go to ![](https://holyheld.com/images/content/icons/logo.png){:height='20' :width='20' inline=""} Holyheld Web or mobile app 2. Go to ![](https://holyheld.com/images/content/icons/settings.png){:height='20' :width='20' inline=""} Settings 3. Click on ![](https://holyheld.com/images/content/icons/holytag.png){:height='20' :width='20' inline=""} "Holytag" 4. Enter new updated $holytag 5. Click on Update the $holytag” 6. Confirm with the signature in your wallet ## Can I use bad words in my tag? No, please don’t. If you’ll use inappropriate, offensive, or copyright infringed words, it will be taken down. ## What are the benefits for owning a tag? Well, first of all, you get to keep the name you finally want. Also, tags open up all onchain composability, and allow your favorite crypto protocols to easily work with Holyheld. Tags also allow you to invite your friends to Holyheld via your personal referral link, and get rewards when they order the card. # Using your card abroad - FAQ search anything Holyheld If you are currently abroad, you can continue using your Holyheld card wherever Mastercard is accepted. However, please keep in mind important information: - Domestic transactions are ones that occur in the EU Member States, Iceland, Liechtenstein and Norway. International transactions (or abroad) are transactions made in other countries and territories other than the EU Member States, Iceland, Lichtenstein and Norway. - There is an additional charge for withdrawing your money in ATM in the foreign currency. For more information, please visit [Holyheld fees](https://holyheld.com/legal/fees). - If you are abroad, your first 100 transactions in the current month are free. However, starting with the 101st transaction, there is an additional fee. For more information, please visit [Holyheld fees](https://holyheld.com/legal/fees). # What is the difference between L1 and L2? - FAQ search anything Holyheld Back in times, there was one and only Ethereum network — the father of Turing complete blockchain (aka the network that supports smart contracts). It became a role model and was the go to option for projects and platforms. As the usage grew, so did the network fees. Transaction costs can be quite high at times, making it unfeasible for many people to use it. Because of this, the Ethereum ecosystem has started to create additional layers that are compatible with Ethereum and support its load. People call them differently: L2s or Sidechains. But there is a difference between L1 and L2 types of networks. - [Layer 1’s vs Layer 2’s](https://holyheld.com/#layer-1s-vs-layer-2s) - [Sidechains vs Layer 2’s](https://holyheld.com/#sidechains-vs-layer-2s) - [Which is better?](https://holyheld.com/#which-is-better) ## Layer 1’s vs Layer 2’s In the decentralized world, a Layer 1 network refers to a blockchain such as Bitcoin, Ethereum, etc. At the same time, a Layer 2 protocol is a third-party integration added on top of a Layer 1 blockchain to make it more efficient and scalable. Even though the L1 solutions were made to decentralize P2P transactions, they ultimately failed to solve the [trilemma problem](https://www.gemini.com/cryptopedia/blockchain-trilemma-decentralization-scalability-definition){rel="nofollow"}, and here’s where the L2 solutions come into the picture. The main difference between these two is that L1 solutions are more secure and prefer to keep the network decentralized. On the other hand, L2 remains focused on confirmation time, transaction speed, and lower gas fees by handling all the burdens of the main blockchain. Since it is a third-party integration, it comes with a slight trade-off in terms of L1 security and decentralization. ## Sidechains vs Layer 2’s A **sidechain** is a totally distinct and separate blockchain that is compatible with Ethereum. It uses a different consensus mechanism than Ethereum and has its own security measures. Sidechains also tend to be more centralized than Ethereum. Assets can be moved back and forth between a Sidechain and Ethereum using a “bridge”. [Polygon](https://polygon.technology/){rel="nofollow"} is an example of a Sidechain, though it’s moving towards becoming an L1. **Layer 2 networks** on the other hand are not separate blockchains. Instead, they combine large quantities of transactions off-chain (off of the Ethereum blockchain) before then submitting them bundled together on-chain, thus relying upon the same security and consensus mechanism as Ethereum. [Optimism](https://optimism.io/){rel="nofollow"} and [Arbitrum](https://arbitrum.io/){rel="nofollow"} are examples of Layer 2 networks. For example, Optimism is called an “optimistic rollup” because it “assumes the best” and defaults to submitting the minimum amount of information required with each bundle of transactions. In the case of fraud or dispute, additional information and documentation are then provided. ## Which is better? Every network is different, and each comes with its own set of strengths and weaknesses. There isn’t a single solution that can do everything, so you may find yourself wanting to use multiple networks depending on what you’re trying to do. For example, if you’re wanting to distribute a lot of NFTs to many different people, it might make sense to use a Sidechain like Polygon. If you like Ethereum because you trust its consensus mechanism and security, then Layer 2 networks might appeal to you more than a Sidechain because they are tied more closely to Ethereum. # What is Blast? - FAQ search anything Holyheld [Blast](https://blast.io/en){rel="nofollow"} is a multi-chain blockchain infrastructure designed to provide developers with fast, secure, and reliable access to a wide range of blockchain networks through RPC, WebSocket, and other APIs. It is optimized for performance, scalability, and ease of use, making it ideal for both individual developers and enterprises. ### Key Features of Blast - **Multi-Chain Access**: Blast supports multiple blockchains, including Ethereum, Binance Smart Chain, Polygon, and more, enabling developers to build cross-chain applications easily. - **High Performance**: With a global network of nodes and advanced optimizations, Blast offers low-latency, high-throughput access to blockchain networks. - **Scalability**: Designed to handle millions of requests, Blast can scale with the needs of growing projects. - **Developer-Friendly Tools**: Blast offers easy-to-use APIs, extensive documentation, and support for both WebSocket and HTTP RPC connections, making it simple for developers to integrate blockchain functionality into their apps. - **Reliability and Security**: With a robust infrastructure, Blast ensures uptime and security, providing peace of mind for projects and applications running on its platform. You can read more about Blast and its features in the [official documentation](https://blast.io/en/docs){rel="nofollow"}. ### Use Blast with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Blast directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Blast, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is BNB? - FAQ search anything Holyheld [BNB Smart Chain](https://www.bnbchain.org/en/bnb-smart-chain){rel="nofollow"} (BSC) is a blockchain platform designed to run smart contract-based applications. It operates in parallel with Binance Chain and provides the benefits of fast transaction speeds, low transaction fees, and the ability to support a wide range of decentralized applications. ### Key Features of BNB Smart Chain - **Dual Chain Architecture**: BNB Smart Chain works in tandem with Binance Chain, allowing users to transfer assets seamlessly between the two chains. This enhances both the performance of BSC for dApps and the speed of Binance Chain for asset transfers. - **EVM-Compatible**: BNB Smart Chain is fully compatible with the Ethereum Virtual Machine (EVM), making it easy for developers to migrate or integrate Ethereum-based applications, tools, and wallets. - **Low Transaction Fees**: With its optimized infrastructure, BNB Smart Chain offers significantly lower gas fees compared to many other blockchain networks, making it a cost-efficient choice for users and developers. - **High Performance**: BNB Smart Chain can handle a high volume of transactions with shorter block times, ensuring fast and efficient processing. - **Decentralization and Security**: BNB Smart Chain uses a Proof of Staked Authority (PoSA) consensus mechanism, combining both Proof of Stake (PoS) and Proof of Authority (PoA) for better security and decentralization. You can read more about BNB Smart Chain in the [official documentation](https://docs.bnbchain.org/){rel="nofollow"}. ### Use BNB with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on BNB directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on BNB, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Aleph? - FAQ search anything Holyheld [Aleph Zero](https://alephzero.org){rel="nofollow"} is a privacy-enhancing, high-performance, enterprise-ready Layer 1 public blockchain platform. It aims to solve scalability and security issues through an innovative consensus protocol based on Directed Acyclic Graph technology. Aleph Zero's primary focus is on providing a decentralized infrastructure that ensures privacy without compromising on speed or security. ### Key Features of Aleph Zero - **Privacy-Enhancing**: Aleph Zero incorporates privacy-preserving features through the integration of secure multi-party computation and zero-knowledge proofs. This allows users to maintain confidentiality for sensitive transactions and data. - **Scalability**: Thanks to its unique DAG-based consensus protocol, Aleph Zero achieves high throughput and low latency, making it capable of processing a significant number of transactions per second (TPS) without compromising on decentralization or security. - **Enterprise-Ready**: Aleph Zero is designed to meet the needs of enterprises, offering private smart contract solutions for industries such as finance, healthcare, and supply chain management. - **Decentralization and Security**: The AlephBFT consensus protocol ensures secure, trustless consensus with Byzantine Fault Tolerance, allowing the network to resist malicious attacks while remaining decentralized. - **Interoperability**: Aleph Zero is working towards bridging other blockchain ecosystems, enabling seamless cross-chain interactions and fostering a multi-chain future. You can read more about Aleph Zero in the [official documentation](https://docs.alephzero.org/){rel="nofollow"}. ### Use Aleph Zero with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Aleph Zero directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Aleph Zero, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Base? - FAQ search anything Holyheld [Base](https://www.base.org){rel="nofollow"} is a secure, low-cost, and developer-friendly Ethereum Layer 2 scaling solution built on the Optimistic Rollup technology. Developed by [Coinbase](https://www.coinbase.com/home){rel="nofollow"}, Base is designed to provide a more scalable, faster, and cost-effective environment for decentralized applications on the Ethereum blockchain, while ensuring Ethereum’s security and decentralization. ## Key Features of Base - **Scalability**: By utilizing Optimistic Rollups, Base significantly reduces transaction costs and increases throughput, enabling dApps to scale while maintaining security and decentralization. - **Low-Cost Transactions**: Base offers lower transaction fees compared to Ethereum's Layer 1, allowing users and developers to interact with dApps in a cost-effective manner. - **Developer-Friendly**: Base is designed with developers in mind, offering compatibility with Ethereum tools and infrastructure, including Solidity, Ethereum wallets, and developer tooling like Hardhat and Truffle. - **Secure**: By inheriting Ethereum's security model, Base ensures a trustless and decentralized environment for users and developers. - **Optimistic Rollups**: Base’s core infrastructure is built on Optimistic Rollups, which batch transactions off-chain and submit them to Ethereum, reducing congestion and increasing scalability. You can read more about Base and its features in the [official documentation](https://docs.base.org/){rel="nofollow"}. ### Use Base with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Base directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Base, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Ethereum? - FAQ search anything Holyheld [Ethereum](https://ethereum.org){rel="nofollow"} is the world's leading programmable blockchain platform, enabling developers to build and deploy decentralized applications and smart contracts. Since its launch in 2015, Ethereum has become the foundation for the DeFi ecosystem and the broader Web3 movement. ## Key Features of Ethereum - **Smart Contracts**: Ethereum pioneered the concept of self-executing smart contracts, enabling automated, trustless agreements and applications. - **Decentralized Applications**: The platform hosts thousands of dApps across various sectors including DeFi, NFTs, gaming, and social networks. - **ERC Standards**: Ethereum introduced standardized token protocols, like ERC-20 and ERC-721 that have become the industry standard for digital assets. - **Proof of Stake**: After the Merge in 2022, Ethereum transitioned to a more energy-efficient Proof of Stake consensus mechanism. - **Layer 2 Solutions**: While Ethereum itself provides security and decentralization, various Layer 2 solutions have been built on top to improve scalability and reduce costs. You can read more about Ethereum and its features in the [official documentation](https://ethereum.org/en/developers/docs/){rel="nofollow"}. ### Use Ethereum with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Ethereum directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Ethereum, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Berachain? - FAQ search anything Holyheld [Berachain](https://berachain.com){rel="nofollow"} is an innovative Layer 1 blockchain platform built on the Cosmos SDK, designed to provide a high-performance, scalable, and secure environment for decentralized applications. With its unique architecture and focus on developer experience, Berachain aims to bridge the gap between traditional finance and decentralized finance. ## Key Features of Berachain - **Proof of Liquidity - POL**: Berachain's innovative consensus mechanism that rewards users for providing liquidity to the ecosystem, creating a sustainable and efficient economic model. - **High Performance**: Designed for high throughput and low latency, enabling fast transaction processing and efficient dApp deployment. - **Developer-Friendly**: Offers comprehensive developer tools and documentation, making it easy to build and deploy applications. You can read more about Berachain and its features in the [official documentation](https://docs.berachain.com){rel="nofollow"}. ### Use Berachain with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Berachain directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Berachain, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Mode? - FAQ search anything Holyheld [Mode](https://mode.network){rel="nofollow"} is an innovative Layer 2 blockchain platform built on Optimism's OP Stack, designed to provide a high-performance, scalable, and secure environment for decentralized applications. With its unique architecture and focus on developer experience, Mode aims to bridge the gap between traditional finance and decentralized finance. ## Key Features of Mode - **Optimistic Rollups**: Mode leverages Optimism's OP Stack for secure and efficient transaction processing, inheriting Ethereum's security while providing faster and cheaper transactions. - **High Performance**: Designed for high throughput and low latency, enabling fast transaction processing and efficient dApp deployment. - **Developer-Friendly**: Offers comprehensive developer tools and documentation, making it easy to build and deploy applications. - **Ethereum Compatibility**: Full compatibility with Ethereum's tooling and infrastructure, making it easy for developers to port existing applications. You can read more about Mode and its features in the [official documentation](https://docs.mode.network){rel="nofollow"}. ### Use Mode with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Mode directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Mode, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is INK? - FAQ search anything Holyheld [INK](https://inkonchain.com){rel="nofollow"} is an Ethereum OP Stack Layer 2 blockchain designed to be the home of decentralized finance (DeFi) on the Superchain. Developed and unleashed by Kraken, INK leverages Kraken's deep security expertise and decades of experience in crypto to offer a seamless, secure, and user-friendly onchain experience. It bridges the gap between centralized and decentralized finance, making it easier for users to access DeFi opportunities. ## Key Features of INK - **High Performance**: 1-second block times at launch, with plans for sub-second speeds soon. - **Low Fees**: Enjoy minimal transaction costs thanks to its "Smol Gas" design. - **Robust Security**: Sequencer-level protection backed by Kraken's extensive security record. - **Interoperability**: Seamlessly transfer capital across the Superchain and Ethereum ecosystem. - **User-Centric Experience**: A unified interface that allows for easy access to top-tier DeFi protocols. You can read more about INK and its features in the [official documentation](https://docs.inkonchain.com){rel="nofollow"}. ### Use INK with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on INK directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on INK, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Manta Pacific? - FAQ search anything Holyheld [Manta Pacific](https://pacific.manta.network){rel="nofollow"} is a privacy-preserving Layer 2 blockchain platform built on the OP Stack, designed to provide secure and private transactions while maintaining high performance and low costs. As part of the Manta Network ecosystem, it brings privacy features to the Ethereum ecosystem. ## Key Features of Manta Pacific - **Privacy-First**: Built-in privacy features using zero-knowledge proofs, enabling private transactions and shielded assets. - **OP Stack Based**: Leverages Optimism's OP Stack for secure and efficient transaction processing while inheriting Ethereum's security. - **High Performance**: Optimized for fast transaction processing and low fees, making privacy features accessible to all users. - **Ethereum Compatibility**: Full compatibility with Ethereum's tooling and infrastructure, making it easy for developers to build privacy-preserving applications. You can read more about Manta Pacific and its features in the [official documentation](https://docs.manta.network/pacific){rel="nofollow"}. ### Use Manta Pacific with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Manta Pacific directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Manta Pacific, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Starknet? - FAQ search anything Holyheld [Starknet](https://starknet.io){rel="nofollow"} is a Layer 2 blockchain platform built on StarkWare's technology, designed to provide scalable and secure transactions using zero-knowledge proofs. As a permissionless decentralized network, it enables developers to build and deploy complex applications while maintaining high performance and low costs. ## Key Features of Starknet - **STARK Proofs**: Leverages advanced zero-knowledge proofs for secure and scalable transaction processing, inheriting Ethereum's security. - **High Scalability**: Designed to handle high transaction volumes while maintaining low fees and fast processing times. - **Developer-Friendly**: Offers comprehensive developer tools and Cairo programming language, making it easy to build complex applications. - **Ethereum Security**: Inherits security from Ethereum while providing significantly higher throughput and lower costs. You can read more about Starknet and its features in the [official documentation](https://docs.starknet.io){rel="nofollow"}. ### Use Starknet with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Starknet directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Starknet, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # How to stay safe in crypto? - FAQ search anything Holyheld We’ll be honest, staying safe in crypto is a challenge. There are scams, bugs, exploits, hacks, not to mention onchain corks, and on top of that you have responsibility to keep your keys safe. In this guide we talk about: - [General safety rules](https://holyheld.com/#general-safety-rules) - [Types of attacks](https://holyheld.com/#types-of-attack) ## General safety rules 🚨 Keep your seed phrase/private keys securely stored. Do not store them on Google Drive, Apple iCloud, don’t store them on your computer in a document. You can’t reset or recover your keys. - **Use multiple wallets:** Don’t keep all your crypto assets in one place. The best way to handle it is by using one or several cold storages for long-term holdings, and at least one “hot” wallet for trading and transactions. This will help you spread the risk. - **Double check before sending crypto:** Some malicious programs can edit and paste a wrong transaction address whenever you send a transaction. Typically, the new address belongs to an attacker. It’s better to be safe than sorry. - **Activate two-factor authentication (2FA) whenever possible:** You should always enable two-factor authentication (2FA), it adds a second layer of security to your account. Ideally, use an app like Google Authenticator instead of SMS codes, as SIM card swapping is a common attack vector. - **Always use a VPN when using public WIFI:** If you have to use public WIFI to access your crypto, always use a VPN to keep your traffic encrypted. Ideally, only access your crypto assets when using a private or secured network. - **Keep your holdings private:** Try not to be too vocal about your holdings in public. The less people know about your digital assets, the better it is for your security. You never know who is watching or reading your public content and they may target you because they know there is something to be stolen. - **Have a backup of your private keys/seed phrase:** Losing access to all your holdings can be soul-crushing. So it’s important to back them up and keep them in different locations, in case of a fire or similar damage. ## Types of attack ### Imposter Websites Unfortunately, there are numerous websites that have been set up to resemble original, valid startup companies, which are used to scam and lure you in. If there isn’t a small lock icon indicating security near the URL bar and no “https” in the site address think twice. Even if the site looks identical to the one you think you’re visiting, you may find yourself directed to another platform where you’ll be asked to connect your wallet. For example, you click on a link that looks like a legitimate site, but attackers have created a fake URL with a zero in it instead of a letter ‘o’. That platform, of course, isn’t taking you to the cryptocurrency investment that you’ve already researched. To avoid this, carefully type the exact URL into your browser. Double check it, too. ### Fake Mobile Apps Another common way scammers trick cryptocurrency investors is through fake mobile wallets. Most commonly, available for download through Google Play Store. Although stakeholders can often quickly find these fake apps and get them removed, that doesn’t mean the apps aren’t impacting many bottom lines. While this is a greater risk for Android users, every investor should be aware of the possibility. Are there obvious misspellings in the copy or even the name of the app? Does the branding look inauthentic with strange coloring or an incorrect logo? It is also a good routine to check the developer’s info at the bottom of the description page. ### Scam social media accounts If you’re following celebrities and executives on social media, you can’t be sure that you’re not following impostor accounts. The same applies to cryptocurrencies, where malicious, impersonating bots are rampant. Don’t trust offers that come from Twitter or Facebook, especially if there seems to be an impossible result. Fake accounts are everywhere. If someone on these platforms asks for even a small amount of your cryptocurrency, it’s likely you can never get it back. Just because others are replying to the offer, don’t assume they aren’t bots, either. You have to be extra careful. ### Scamming Emails Even if it looks exactly like an email you received from a legitimate cryptocurrency company, take care before investing your digital currency. Is the email the exact same, and are the logo and branding identical? Can you verify that the email address is legitimately connected to the company? The ability to check on this is one reason why it’s important to choose a company that has real people working for it. If you have doubts about an email, ask someone who works there. And never click on a link in a message to get to a site. Scammers often announce fake ICOs, or initial coin offerings, as a way to steal substantial funds. Don’t fall for these fake email and website offers. Take your time to look over all the details. # What is Solana? - FAQ search anything Holyheld [Solana](https://solana.com){rel="nofollow"} is a high-performance Layer 1 blockchain platform designed to provide fast, secure, and scalable decentralized applications. Known for its innovative Proof of Stake and Proof of History consensus mechanism, Solana offers one of the fastest and most cost-effective blockchain networks in the industry. ## Key Features of Solana - **Proof of History**: Innovative consensus mechanism that enables high throughput and fast transaction processing. - **High Performance**: Capable of processing thousands of transactions per second with minimal fees. - **Smart Contract Platform**: Supports complex smart contracts and decentralized applications with native programmability. - **Ecosystem Growth**: Boasts a rapidly growing ecosystem of DeFi, NFTs, and Web3 applications. You can read more about Solana and its features in the [official documentation](https://docs.solana.com){rel="nofollow"}. ### Use Solana with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Solana directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Solana, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Plume? - FAQ search anything Holyheld [Plume](https://plume.network){rel="nofollow"} is a modular Layer 1 blockchain platform designed to provide a comprehensive infrastructure for real-world asset tokenization and compliance. Built with a focus on regulatory compliance and institutional adoption, Plume enables the seamless integration of traditional finance with decentralized finance. ## Key Features of Plume - **Compliance-First**: Built-in compliance infrastructure for real-world asset tokenization and regulatory requirements. - **Modular Architecture**: Flexible and extensible platform that supports various asset types and compliance frameworks. - **Institutional Ready**: Designed to meet the needs of institutional participants with robust security and compliance features. - **Cross-Chain Integration**: Supports interoperability with major blockchain networks for seamless asset transfers. You can read more about Plume and its features in the [official documentation](https://docs.plume.network){rel="nofollow"}. ### Use Plume with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Plume directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Plume, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Hyperliquid? - FAQ search anything Holyheld [Hyperliquid](https://hyperliquid.xyz){rel="nofollow"} is a decentralized perpetual futures exchange built on Arbitrum, designed to provide a secure and efficient platform for trading perpetual futures with leverage. With its innovative on-chain orderbook and risk management system, Hyperliquid offers a unique approach to decentralized derivatives trading. ## Key Features of Hyperliquid - **On-Chain Orderbook**: Innovative orderbook system that provides transparent and efficient price discovery. - **Arbitrum Based**: Built on Arbitrum for fast transactions and low fees while inheriting Ethereum's security. - **Advanced Trading Features**: Supports leverage trading, multiple asset types, and sophisticated risk management. - **Decentralized Infrastructure**: Fully decentralized platform with transparent operations and community governance. You can read more about Hyperliquid and its features in the [official documentation](https://docs.hyperliquid.xyz){rel="nofollow"}. ### Use Hyperliquid with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Hyperliquid directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Hyperliquid, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # How to set up a non-custodial wallet - FAQ search anything Holyheld There are many non-custodial options, and you are free to choose your own options. But here are some of the most popular and trusted options: ## MetaMask Probably, the most well-known wallet. It has both: a browser extension and mobile apps. Every dApp supports MetaMask, so this could be your go to option. Metamask supports all networks where Holyheld is available on. You can download the wallet on the [official website](https://metamask.io/){rel="nofollow"}. ## Coinbase Wallet We like this wallet because it has both: a browser extension and mobile apps. It’s also created by a reputable organisation - Coinbase. Coinbase Wallet supports all networks where Holyheld is available on. You can download the wallet on the [official website](https://www.coinbase.com/wallet){rel="nofollow"}. ## Trust Wallet Trust Wallet is one of the most popular mobile wallets. To summarise it: it just works, and that is all you need. Trust Wallet supports all networks where Holyheld is available on. You can download the wallet on the [official website](https://trustwallet.com/){rel="nofollow"}. And here is the official [set up guide](https://community.trustwallet.com/t/how-to-create-a-multi-coin-wallet/41){rel="nofollow"}. ## Frame Frame is the new wallet. It is focused on enhanced compatibility and native DeFi integrations. Frame is developed by crypto enthusiasts and is very serious about privacy. Frame has a browser injection option that allows you to run your wallet on a Mac or Windows as an application, rather than browser extension. Frame supports all networks where Holyheld is available on. You can download the wallet on the [official website](https://frame.sh/){rel="nofollow"}. And here is the official [set up guide](https://www.notion.so/Getting-Started-Guide-775a95edec3244ce80e118ead8ea6516){rel="nofollow"}. ## Rainbow Rainbow is a very simple to use mobile app wallet. Very sleek design, and nice features. Rainbow currently supports Ethereum, Polygon, Arbitrum and Optimism only. You can download the wallet on the [official website](https://rainbow.me){rel="nofollow"}. And here is the official [set up guide](https://learn.rainbow.me/get-started-with-rainbow){rel="nofollow"}. ## Safe Safe is one of the most trusted multi-sig wallets. Safe has mobile applications, and an easy to use web version. Safe supports all networks where Holyheld is available on. You can download the wallet on the [official website](https://safe.global/wallet){rel="nofollow"}. ## Rabby Rabby has amazing safety features for pro-users. It is very focused on security and has both: browser extension and a desktop application. Rabby supports all networks where Holyheld is available on. You can download the wallet on the [official website](https://rabby.io){rel="nofollow"}. # What is Polygon? - FAQ search anything Holyheld Polygon is a totally distinct and separate blockchain that is compatible with Ethereum. It uses a different consensus mechanism than Ethereum and has its own security measures. Polygon is also known for lower transaction fees and faster transaction processing. Polygon is Ethereum compatible, meaning that your wallet address on Ethereum is the same as on Polygon. Assets can be moved back and forth between Polygon and Ethereum using a “bridge”. You can read more about Polygon in the official blog [here](https://docs.polygon.technology/docs/home/new-to-polygon){rel="nofollow"}. ### Use Polygon with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Polygon directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Polygon, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Arbitrum? - FAQ search anything Holyheld Arbitrum is a network designed to enhance the Ethereum blockchain in terms of speed scalability while adding additional privacy features to boot. Arbitrum is a layer-2 solution. Layer 2 networks (like Optimism) are not separate blockchains. Instead, they combine large quantities of transactions off-chain (off of the Ethereum blockchain) before submitting them bundled together on-chain, thus relying upon the same security and consensus mechanism as Ethereum. You can read more about Arbitrum in the [official blog](https://developer.offchainlabs.com/docs/developer_quickstart){rel="nofollow"}. ### Use Arbitrum with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Arbitrum directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Arbitrum, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Optimism? - FAQ search anything Holyheld Optimism is a network designed to enhance Ethereum blockchain in terms of speed scalability while adding additional privacy features to boot. Optimism is a layer-2 solution. Layer 2 networks (like Arbitrum) are not separate blockchains. Instead, they combine large quantities of transactions off-chain (off of the Ethereum blockchain) before then submitting them bundled together on-chain, thus relying upon the same security and consensus mechanism as Ethereum. Optimism is called an “optimistic rollup” because it “assumes the best” and defaults to submitting the minimum amount of information required with each bundle of transactions. You can read more about Optimism in the [official blog](https://help.optimism.io/hc/en-us/sections/4413033184539-About-Optimism){rel="nofollow"}. ### Optimism Arbitrum with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Optimism directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Optimism, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Gnosis? - FAQ search anything Holyheld Gnosis Chain is a sidechain designed to enhance the Ethereum blockchain by opening validation to the community of developers. Gnosis Chain allows contributors around the globe to easily run a node, and now is secured by over 100k validators. Its diverse validator set and the community governance ensure Gnosis Chain remains credibly neutral at a much lower price point than Ethereum mainnet. Gnosis Chain shares the same consensus mechanism as Ethereum. You can read more about Gnosis network in the [official blog](https://www.gnosis.io/community){rel="nofollow"}. ### Use Gnosis with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Gnosis directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Gnosis, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is Avalanche? - FAQ search anything Holyheld Avalanche is a Layer 1 blockchain aiming to provide an alternative to the high costs and low speeds. Avalanche uses a proprietary consensus mechanism to increase transaction throughput and minimize energy consumption by validators. Avalanche is Ethereum compatible, meaning that your wallet address on Ethereum is the same as on Avalanche. Assets can be moved back and forth between Avalanche and Ethereum using a “bridge”. You can read more about Avlanche network in the [official blog](https://www.avalabs.org/whitepapers){rel="nofollow"}. ### Use Avalanche with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on Avalanche directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on Avalanche, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # What is ZkSynk? - FAQ search anything Holyheld zkSync is a Layer 2 scaling solution designed to enhance the Ethereum blockchain by providing faster and cheaper transactions while maintaining a high level of security and decentralization. zkSync uses a technology called Zero-Knowledge Rollups - zkRollups - to bundle hundreds of transactions off-chain and then verify them with a single proof on the Ethereum mainnet. This process ensures that the integrity of the transactions is maintained without congesting the Ethereum network. One of the key advantages of zkSync is that it offers significantly lower gas fees compared to Ethereum's Layer 1 while still benefiting from Ethereum's security. You can read more about zkSync in the [official documentation](https://docs.zksync.io/){rel="nofollow"}. ### Use zkSync with Holyheld As a user, you can seamlessly on- and offramp into or from all liquid assets on zkSync directly through [Holyheld](https://holyheld.com){rel="nofollow"}, whether on the web or mobile app. Holyheld supports nearly all popular wallets—find out more about supported wallets [here](https://holyheld.com/faq/frequently-asked-questions/supported-wallets){rel="nofollow"}. ### Developers and Projects If you're building on zkSync, Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into your protocol or wallet. Reach out to leverage our [SDK](https://brrr.network/documentation/introduction){rel="nofollow"} for your development needs. # FAQ - Search anything Holyheld # Terms and Conditions - Holyheld onchain debit card legal information **Last Update: 24.09.2024** Holyheld is operated by UAB Holyheld Financial, company number 306129001 registered at Gabijos Str. 32, Vilnius, 06158, Lithuania, duly authorized to provide services of exchanging virtual currency against fiat currency and virtual currency wallet services. Your Holyheld Service and debit card are e-money services provided by Unlimit, company number HE 328641, registered at 125 Griva Digeni, Limassol 3101, Cyprus. Unlimit is licensed and regulated by the Central Bank of Cyprus as an Electronic Money Institution with license number 115.1.3.7. WHEREAS, these Terms and Conditions govern the access and use by users who are residents of, or located in the EU, of the Holyheld websites, mobile applications, products, software, and other services, including the Holyheld crypto exchange platform (our "Platform") operated by UAB Holyheld Financial, and other services we provide to you. Before using Holyheld, we kindly ask you to read carefully and understand the following. By accessing or using our service, you agree to be bound by these Terms and Conditions. ## 1. Definitions **"Crypto"** (also called "cryptoasset", "cryptocurrency", "virtual currency", "digital currency", or "virtual commodity") means a digital currency or virtual currency that is based on cryptography and operating on a decentralized platform, which is a digital representation of value based on (or built on top of) a cryptographic protocol of a computer network. :br**"Holyheld Account"** means the account you open with us through the Platform which is to be operated and used by you in accordance with these Terms and Conditions. :br**"Fiat currency"** means traditional currency, such as US dollars, euros, or pounds sterling, issued by governments and central banks. :br**"KYC"** means "know your customer", which refers to the process of verifying the identity of our customers. :br**"AML"** means "anti-money laundering", which refers to the laws and regulations aimed at preventing money laundering and terrorist financing.\\ ## 2. Holyheld Account **2.1.** Your Holyheld Account enables you to manage, make payments, exchange, transfer or withdraw your balances of crypto or fiat currencies by giving instructions through the Holyheld Platform in accordance with these Terms and Conditions. **2.2.** You are also able to open up an electronic money account and order a card issued by Unlimit. Your electronic money account is subject to separate [terms and conditions by Unlimit](https://www.unlimint.com/legal-documents/){rel="nofollow"}. Access to electronic money services is only provided where Holyheld and Unlimit decide to provide and where you hold a Holyheld Account. Holyheld does not render any e- money or payment services in its own name or on Unlimit’s behalf. ## 3. Holyheld Crypto Services **3.1.** Holyheld allows you to receive funds whether in crypto or in fiat currencies; exchange cryptoassets for fiat currency as supported by Holyheld; make deposits, withdrawals, transfers or payments to third parties using Holyheld Account or external electronic money account or card services; transfer of cryptoassets between users of the Platform. **3.2.** Holyheld does not provide any custodial services, nor creates crypto wallets in order to hold any cryptoassets on your behalf. To execute a transaction you agree to connect your pre-existing crypto wallet holding your cryptoassets to the Holyheld Platform. You agree to interact with Holyheld Smart Contract, which will recognize the cryptoassets and will perform a KYC and AML verification via third-party providers, before initiating the exchange of the cryptoassets on your behalf. **3.3.** You will be able to create your own wallet address via Holyheld directly in the blockchain if so desired and in order to interact with decentralised applications and receive crypto assets. This wallet is not your Holyheld Account. Please note that you are the sole owner and responsible for any assets any activities carried out using the wallet, as well as for securing and backing up the credentials that may grant you access to it as described below. **3.4.** We will give you access to an external personal handle that can be used to identify you as a Holyheld user in our Platform. As a user you can receive virtual asset transfers from other users, and after you confirm the incoming requested transaction and we execute our mandatory AML verifications, receive said transfer directly. **3.5.** Using the electronic money account and card service provided by [Unlimit](https://www.unlimint.com/legal-documents/){rel="nofollow"}, you can also exchange your crypto assets and initiate a bank transfer to send funds from your personal IBAN directly to other bank accounts. You are also given the opportunity to connect your wallet to third-party smart contracts to interact with your cryptoassets, by simply using the Holyheld Platform. ## 4. Registration **4.1.** By using our Platform, you confirm that you are at least 18 years old and legally able to enter into legally binding agreements. **4.2.** In order to use the Platform you must register for a Holyheld Account with us. You must provide truthful, accurate and complete information during registration or at any time after. You are responsible for maintaining the confidentiality of your account credentials, and you agree to notify us immediately of any unauthorized use of your account. **4.3.** You must comply with anti-money laundering obligations in order to open a Holyheld Account. Please consult our [AML Policy](https://holyheld.com/legal/aml-policy). This will require you, as part of the registration process, to provide personal details and supporting documents (including your full name, residential address and postcode, mobile number, email address, date of birth, and certain forms of identification), and other evidence and documentation we may ask you to provide, so that we may verify your identity. **4.4.** We reserve the right to require you to provide us with additional information in order to verify your identity and/or require you to undergo a background check prior to being authorised to use Holyheld’s services, or at any point thereafter, in accordance with applicable laws and regulations. **4.5.** You acknowledge and agree that we may make any inquiries that we consider necessary, either directly or through third parties, concerning your identity including, without limitation, requiring you to take steps to confirm ownership of your email address, verifying information against third party databases or through other sources. **4.6.** These inquiries and verification may involve the sharing of certain aspects of your information with third parties for the limited purpose of completing these inquiries and verification. **4.7.** By opening an Account you represent and warrant to us that your opening of an Account does not violate any laws or regulations applicable to you. ## 5. $holytag **5.1.** By registering in our Platform, you will be given the possibility to choose and register a $holytag Name of your choice to identify your account. Your $holytag Name will be unique and exclusive to you and your Account with us. You can choose any $holytag Name which has not been previously registered in our Platform, as long as the same does not contain any words considered to be immoral, scandalous, shocking, indecent, discriminatory, disgraceful, offensive, disreputable, violent or offensive to the conscience or moral feelings, or of any political or religious contents, in any language. **5.2.** We reserve the right to refuse the registration of any $holytag Name, and allocate a $holytag Name of our choice. You will have the right to at any time change the $holytag Name for any of your choice. ## 6. Holyheld Account Access **6.1.** In order to use your Holyheld Account you will need to verify the ownership of your crypto wallet address via EDSCA signature. **6.2.** You will also be required to set up two-factor authentication ("2FA"). **6.3.** You are the only person permitted to access your Holyheld Account using your Login Credentials and other required forms of authentication. **6.4.** You agree and understand that you are solely responsible (and you will not hold us responsible) for managing, monitoring, and maintaining the security of your login credentials and any other required forms of authentication, including your API keys. You further agree and understand that we are not responsible (and you will not hold us responsible) for any unauthorised access to or use of your Holyheld Account. **6.5.** If you suspect that your Holyheld Account or any of your security details have been compromised or if you become aware of any fraud or attempted fraud or any other security incident (including a cyber-security attack) affecting you and/or Holyheld, you must notify Support as soon as possible using the Holyheld mobile application or website. ## 7. Wallet Creation via Holyheld **7.1.** You may optionally create a wallet address in the blockchain via the Holyheld app in order to interact with Holyheld or any other descentralized apps or protocols. **7.2.** This wallet address shall not be confused with your Holyheld Account.You may use other wallet addresses to create or access your Holyheld Account. **7.3.** You shall be the sole owner and responsible for any assets or activity regarding the wallet. **7.4.** You are the sole responsible for taking the necessary measures to secure, protect and backup the access credentials and your wallet properly, including securely storing any passwords or secret recovery phrases. You acknowledge that certain methods of storing your secret recovery phrase, such as saving it as a digital file on your personal device or in cloud storage, may increase the risk of your wallet or phrase being compromised. You agree not to share any passwords or secret recovery phrases associated with your wallet with us or any third party. Holyheld will not be held liable if you choose to share such information, whether intentionally or unintentionally. Holyheld assumes no responsibility for any theft of a secret recovery phrase resulting from unauthorized access to your personal device or cloud storage. **7.5.** In no event shall Holyheld, any of its affiliates, officers, shareholders and employees have any responsibility or liability arising out or related to the use of the wallet for any lost of access, profits, revenues, goodwill, direct or incidental, including but not limited to business interruption, malfunction, unauthorized access to the wallet. ## 8. Execution of Transactions **8.1.** We will process cryptoasset transactions in accordance with the instructions we receive from you. You should verify all transaction information prior to submitting instructions to us. We do not guarantee the identity of any user, receiver, requester, or other third-party and we will have no liability or responsibility for ensuring that the information you provide is accurate and complete.You cannot cancel, reverse, or change any transaction marked as complete or pending. **8.2.** When you or a third party sends a cryptoasset to a Holyheld Account from an external cryptoasset wallet not hosted on the Platform, the person initiating the transaction is solely responsible for executing the transaction properly. **8.3.** All transactions on our platform are final and irreversible. We are not responsible for any losses incurred due to incorrect or unauthorized transactions. **8.4.** We may refuse to process or cancel any pending cryptoasset transaction as required by law, regulation, or any court or other authority to which Holyheld is subject in any jurisdiction, if there is suspicion of money laundering, terrorist financing, fraud, or any other financial crime. **8.5.** The use of our services may be subject to limits on the volume on any fiat currency or cryptoasset that you may transact or transfer in a given period. Transaction limits may vary depending on your payment method, verification steps you have completed, and other factors. We reserve the right to change applicable limits, as we deem necessary. **8.6.** USDC is the only cryptoasset supported by Holyheld for the crypto exchange service. Other tokens might be used in the Holyheld Platform through third party smart contract integrations. Holyheld reserves the right to at any time terminate the listing and support for a specific Cryptoasset. **8.7.** During the execution of the services Holyheld is not the recipient of any ownership or custodial rights of any cryptoassets. You remain the sole owner of your cryptoassets at all times in your own crypto wallet. **8.8.** You acknowledge that the value of the Cryptoasset may vary. You agree to accept the rate when you authorise a Cryptoasset Transaction. We do not guarantee that you will be able to execute the transaction with Cryptoassets at any particular price or time. **8.9.** You can purchase supported Cryptoassets using fiat currencies via Holyheld. You specifically authorise holyheld to purchase Cryptoassets on your behalf once the purchase order is placed and the funds are received by holyheld through our third-party service provider. You must confirm the exchange rate and quote provided by holyheld in the holyheld app and sign the transaction confirmation with your wallet. **8.10.** Holyheld will process Cryptoasset transactions according to your instructions. You are the sole responsible for executing the transaction correctly, which may include paying fees to complete the transaction. **8.11.** By clicking "Buy crypto" or "Sell crypto" in the Holyheld app, you authorize Holyheld to execute the Cryptoasset transaction at the quoted buy or sell price, including associated fees. **8.12.** Transactions marked as complete or pending cannot be canceled, reversed, or changed. **8.13.** The use of our transaction services may be subject to limits on the volume of fiat currency or Cryptoassets you can transact or transfer within a given period. **8.14.** Your transaction limits may vary based on your payment method, completed verification steps, and other factors. We reserve the right to change applicable limits as necessary. **8.15.** Holyheld may refuse to process or cancel any pending Cryptoasset transaction as required by law, regulation, or any authority in any jurisdiction if there is suspicion of money laundering, terrorist financing, fraud, or other financial crimes. ## 9. Prohibited Use of the Holyheld Platform **9.1.** You agree not to use our platform for any illegal, fraudulent, or unauthorized activities. You also agree not to engage in any activities that could damage, disable, overburden, or impair our platform or interfere with other users' use of our service. **9.2.** The Holyheld Platform is not provided to, and may not be used in any jurisdiction where the provision or use thereof would violate applicable laws and regulations. **9.3.** If you reside in any jurisdiction where the use of the Platform would violate any of the laws or regulations of the jurisdiction in which you reside, you agree to refrain from using the Platform in any manner that would violate any of the laws and regulations of your jurisdiction. ## 10. Risks Associated with Cryptoasset Transactions **10.1.** You understand that cryptoasset transactions involve a high level of financial and security risk. Cryptoassets may experience frequent price volatility. Legislative and regulatory changes or actions may adversely affect the use, transfer, exchange, and value of cryptoassets; **10.2.** You understand that: - cryptoassets in your account are not subject to deposit insurance protection; - cryptoassets are not legal tender; - Transactions in cryptoassets may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable; - Holyheld may rely on third party service providers which may fail to execute the contracted services; - cryptoasset exchange and custody services are subject to anti-money laundering compliance and registration requirements under the Lithuanian law and under the European Union’s Fifth Money Laundering Directive. **10.3.** You agree and understand that you are solely responsible for determining the nature, potential value, suitability, and appropriateness of these risks for yourself, and that Holyheld does not give advice or recommendations regarding cryptoassets, including the suitability and appropriateness of, and investment strategies for, cryptoassets. You agree and understand that you access and use the Holyheld Platform at your own risk; however, this brief statement does not disclose all of the risks associated with cryptoassets and using the Holyheld Platform. **10.4.** You should therefore carefully consider whether such use is suitable for you in light of your circumstances and financial resources. You should be aware that you may sustain a total loss of relevant funds, and that under certain market conditions, you may find it difficult or impossible to liquidate a position. ## 11. Payment of Taxes **11.1.** We do not provide tax advice and you agree that you will determine any tax implications associated with your use of, and any transactions you may make using the Platform. You should consult an accountant, lawyer, or tax authorities in your jurisdiction to determine any tax implications. **11.2.** Your transaction history is available through your Holyheld Account. It is your sole responsibility to determine whether, and to what extent, any taxes apply to any transactions you conduct through the services, and to withhold, collect, report and remit the correct amount of tax to the appropriate tax authorities. ## 12. License and Intellectual Property **12.1.** We grant you a limited, nonexclusive, non-transferable and non-sub licensable license to access and use the Platform solely for informational, transactional, or other approved purposes and reserve all other rights in the Platform, including without limitation, our websites, APIs, and other content. You agree you have no other rights beyond this limited license. **12.2.** Subject to the foregoing, you agree you will not copy, transmit, distribute, sell, resell, license, de-compile, reverse engineer, disassemble, modify, publish, participate in the transfer or sale of, create derivative works from, perform, display, incorporate into another website, or in any other way exploit any content or other part of the Platform for any purpose. You also agree that you will not frame or display any part of the Platform without our prior written permission and that you will not use our trademarks without our permission. You further agree that you will not use any part of the content on our site for commercial purposes without obtaining a license to do so from us or our licensors. ## 13. Fees **13.1.** We may charge fees for certain services on our Platform. By using our Platform, you agree to pay the [Holyheld Fees](https://holyheld.com/legal/fees). Fees can be adjusted at any time. We will send a notification of the applicable fees whether on the Holyheld Account transactions. **13.2.** We may charge network fees to process a cryptoasset transaction on your behalf. We will calculate the network fee at our discretion, although we will always notify you of the network fee at or before the time you authorise the transaction. **13.3.** Non-payment of fees may cause your transaction to remain in a pending state outside of our control and we are not responsible for delays or loss incurred as a result of an error in the initiation of the transaction and have no obligation to assist in the remediation of such transactions. ## 14. Privacy Policy Our privacy policy outlines how we collect, use, and protect your personal information. By using our platform, you agree to our [Privacy Policy](https://holyheld.com/legal/privacy-policy). ## 15. AML Policy By using our platform, you agree to our [AML Policy](https://holyheld.com/legal/aml-policy). ## 16. Disclaimer of Warranties **16.1.** We provide our platform on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding the reliability, accuracy, or completeness of our platform. **16.2.** We make no representations about the accuracy, order, timeliness, or completeness of historical cryptoasset price data available on the Platform. **16.3.** We will make reasonable efforts to ensure that cryptoasset transactions, requests for debits and credits involving your Holyheld Account, bank accounts, debit cards are processed in a timely manner but we make no representations or warranties regarding the amount of time needed to complete processing which is dependent upon many factors outside of our control. **16.4.** Specifically, to the fullest extent permissible under applicable law, we do not give any implied warranties of title, merchantability, fitness for a particular purpose and/or non-infringement. We do not make any promises that access to the Platform, any of the Services, or any of the materials contained therein, will be continuous, uninterrupted, timely, or error-free. **16.5.** Any materials, information, view, opinion, projection, or estimate presented via the Platform is made available for informational purposes only and is subject to change without notice. You must make your own assessment of the relevance, timeliness, accuracy, adequacy, commercial value, completeness, and reliability of the materials, information, view opinion, projection, or estimate provided on the Platform. ## 17. Limitation of Liability **17.1.** We shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use or inability to use our Platform. **17.2.** We are not liable for any damage or interruptions caused by any computer viruses or other malicious code that may affect your computer or other equipment, or any phishing, spoofing or other attack. We advise the regular use of a reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from us. **17.3.** You agree to indemnify us, our affiliates and service providers, and each of our, or their, respective officers, directors, agents, employees, and representatives, in respect of any costs (including attorneys' fees and any fines, fees or penalties imposed by any regulatory authority) that have been reasonably incurred in connection with any claims, demands or damages arising out of or related to your breach and/or our enforcement of these Terms and Conditions. **17.4.** Where we do not own or control the underlying software protocols that govern the operation of cryptoassets supported on our Platform, we assume no responsibility for the operation of the underlying protocols and we are not able to guarantee the functionality or security of network operations. **17.5.** Where we are considering a specific claim relating to a specific transaction Holyheld’s liability to you in case of breach of these Terms and Conditions will be further limited to the transaction amount in dispute. **17.6.** In addition to the liability cap above, in no event shall Holyheld, our affiliates or service providers, or any of our or their respective officers, directors, agents, employees or representatives, be liable for any of the following types of loss or damage arising under or in connection with this Agreement or otherwise: - If you claim that we failed to process a cryptoasset transaction properly, your damages are limited to no more than the supported cryptoasset at issue in the transaction; - any loss of, or damage to, reputation or goodwill; any loss of business or opportunity, customers or contracts; any loss or waste of overheads, management or other staff time; or any other loss of revenue or actual or anticipated savings, whether direct or indirect, even if we are advised of or knew or should have known of the possibility of the same; - any loss of use of hardware, software or data and/or any corruption of data; including but not limited to any losses or damages arising out of or relating to any inaccuracy, defect or omission of digital currency price data; any error or delay in the transmission of such data; and/or any interruption in any such data; and - any loss or damage whatsoever which does not arise directly as a result of our breach of this Agreement (whether or not you are able to prove such loss or damage). **17.7.** We are not liable for any breach of the Agreement, including delays, failure in performance, or interruption of service, where they arise directly or indirectly from abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all effects to the contrary, nor are we liable where the breach is due to the application of mandatory legal rules. ## 18. Termination You agree that Holyheld reserves the right to suspend, terminate and deactivate your Holyheld Account or access to our Platform, including the E-Money Account at any time, without notice, justification or liability, including in case of: applicable regulatory or judicial decision; pending litigation as so determined by the court or any governmental entity; in case of any illegal, fraudulent, or suspicious activity; and/or in case of any suspected misuse of the Holyheld Platform or the user credentials. ## 19. Communications **19.1.** Any questions, concerns, complaints or further correspondence regarding the present Terms and Conditions shall be addressed to our email . **19.2.** For Privacy and Data Protection matters please refer to the email . **19.3.** For KYC/AML compliance questions please contact . ## 20. Amendments **20.1.** We reserve the right to modify these terms and conditions at any time and without notice. By continuing to use our platform, you agree to be bound by any changes to these terms and conditions. **20.2.** We may amend these Terms and Conditions, any agreement incorporated by reference, or our fees at any time by posting the amended version on the Platform, emailing it to you, or communicating it to you through the Platform. Each amended version will be effective as of the time it is posted, and your continued use of our services after the posting of an amended version constitutes your acceptance of the amended version. ## 21. Non-assignment **21.1.** These Terms and Conditions are personal to you and you cannot transfer or assign your rights, licenses, interests and/or obligations to anyone else. We may transfer or assign our rights licenses, interests and / or our obligations at any time, including as part of a merger, acquisition, or other corporate reorganisation involving Holyheld, provided that this transfer or assignment does not materially impact the quality of the services you receive. Subject to the foregoing, these Terms and Conditions will bind and insure to the benefit of the parties, their successors, and permitted assigns. You reserve the right to terminate the Terms and Conditions with immediate effect in the event we transfer and/or assign the Agreement. **21.2.** In case Holyheld is acquired by or merged with a third-party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you and our relationship with you (including these Terms and Conditions) as part of such merger, acquisition, sale, or other change of control. ## 22. Miscellaneous **22.1.** These Terms and Conditions, including documents and links referenced constitute the entire understanding and agreement between you and Holyheld and it supersedes any and all prior discussions, agreements, and understandings of any kind (including without limitation any prior versions of these Terms and Conditions), and every nature between and among you and Holyheld. **22.2.** If any provision of these Terms and Conditions is determined to be invalid or unenforceable under any applicable law, this will not affect the validity of any other provision. If any provision is found unenforceable, the unenforceable provision will be severed, and the remaining provisions will be enforced. Our failure to insist upon your strict compliance with any term or provision of these Terms and Conditions shall not be construed as a waiver for you to not comply with such term or provision. **22.3.** All provisions of these Terms and Conditions that by their nature extend beyond the expiration or termination of these Terms and Conditions, including, without limitation, the sections relating to suspension or termination, disputes with Holyheld, your liability, the indemnity, and general provisions will continue to be binding and operate after the termination or expiration of these Terms and Conditions. ## 23. Governing Law These Terms and Conditions shall be governed by and construed in accordance with the laws of Lithuania. # Privacy Policy - Holyheld onchain debit card legal information **Last Update: 07.12.2023** UAB Holyheld Financial, business identity code 306129001, a company incorporated in Lithuania with its registered office at Gabijos Str. 32, Vilnius, 06158, Lithuania is the data controller responsible for the collection of your personal data. This privacy policy (“Privacy Policy”) provides an insight into how Holyheld (“Holyheld”, “We”, “us”, “our”) and all platforms affiliated with Holyheld, including but not limited to the Holyheld Websites, and Applications(collectively “Platforms”) collect, share or use data about you (“user(s)”, “You”, “your”) with connection to the Platforms. The Privacy Policy, together with our [Terms and Conditions](https://holyheld.com/legal/terms-and-conditions) (“Terms”) insert link governs the processing of your data and is applicable to all the information collected through the Platforms, upon the use of such Platforms, (collectively, the “Services”). ## What information is collected? When you use our Services, we may automatically log standard data whether directly provided by users, collected automatically, or collected from third parties, as described below. In certain cases, your consent to use personal information may be required, which may be withdrawn at any time, by reaching out to us via the contact details provided in this Privacy Policy or our Platforms. We shall get in touch with you every time we need your consent to process any data, which is the case when sensitive data is collected. We adhere to SCA requirements, and also follow PCI DSS Level 2 requirements. We may also need to collect and process additional personal information in order to provide services, perform any contractual obligations, or form any/all legal compliance. In such cases, we shall get in contact with you directly. ## How is the information collected? ### Information provided directly by users We collect personal data that the user provides directly, including wallet address, application access password, terms of usage or privacy policy consent signature, user settings, messages sent to support chat directly linked to the user wallet address and images uploaded to support chat linked to a wallet address. ### Information collected automatically We collect personal data automatically, including IP address, User-Agent ID, Service authentication cookie, wallet transaction history related to our smart contracts, approved and control addresses action logs, card transaction logs, and application type. ### Information collected from third parties We also collect personal data from third parties. This information may include but is not limited to KYC and AML verification data, fraudulent actions archive & detection results, connected wallet balances, Banking data: account, transactions, balances. ## How is the information used? We may use the collected information for the following purposes: - Providing services to you, which include, but are not limited to open an account, process payments, operating and managing the services; performing services requested by you such as responding to your comments, questions, and requests, and providing information support; sending you technical notices, updates, security alerts, information regarding changes to our policies, and support and administrative messages; detecting, preventing, and addressing fraud, breach of Terms, and threats, or harm; and compliance with legal and regulatory requirements. - marketing and business activities in relation to our services, including but not limited to newsletters sending, updates, marketing communications and other information that may be of interest to you; - complying with legal and regulatory obligations, including KYC/AML requirements. - monitoring the use of Platforms for business purposes which may include analysis of usage, measurement of site performance and generation of marketing reports; - for legitimate business interests, such as business research and analysis, managing our Platforms and Services; - looking into any complaints or queries; - preventing and responding to actual or potential fraud or illegal activities; - operating our Platforms, customer support, marketing and research services related to the Platforms; - Cookies used are strictly necessary for the smooth functioning of the Platforms and Services; - Protecting the security and integrity of the Services; improving the Services and other websites, apps, products and services. - exercising or defending any legal rights; ## How do we share the information? We share personal information with and third-party service providers, including our banking partner that assists us in providing service. This may include, but is not limited to, sharing information with third-party contractors, bound by obligations of confidentiality, in connection with the processing of your personal information for the purposes described in this Privacy Policy, such as but not limited to, IT and communications service providers, third parties relevant to the services that we provide including regulators, authorities and governmental institutions. We may transfer personal information outside Europe. In such cases, we shall ensure that it is protected and transferred in a manner consistent with legal requirements applicable to the information. Your consent does not preclude the exercise of your rights under any data privacy laws and regulations applicable to you and also under this Privacy Policy. ## How is your information secure? We ensure that your personal information collected by us is subject to appropriate security measures. As per the PCI DSS security standard requirements we regularly conduct external vulnerability scanning services operated by an Approved Scanning Vendor (ASV) duly qualified by the PCI DSS, that uses specialist security tools to find any weaknesses or holes in our systems that hackers may attempt to exploit. Professional Advisors - we share information for audits and legal compliances with our professional advisors. Security and Compelled Disclosure - Information stored by us is shared with public officials for legal compliance enforcement and authorised security concerns. We only store your information for a limited period of time and strictly only for as long as is necessary for the relevant purpose and/or for as long as it is necessary to comply with legal obligations, laws or regulations. Fulfilling your Requests - we may share your information with you with your consent at your request or direction. Notwithstanding the above, we may share information that does not identify you (including information that has been aggregated or de-identified) except as prohibited by applicable law. ## How do we use cookies? Cookies are sent to your browser from the Platforms and stored on your device. Tracking Technologies such as beacons, $holytags, and scripts are used to collect and track information and to improve and analyse our Services. We may use and integrate third-party applications with our platforms to improve the user experience. Cookies by such a third party may be placed on your browsing device, and they can be managed by checking the third party’s website for more information about cookie management and how to "opt-out" of receiving cookies from them. You may instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service. ## How do we store or transfer information? The personal information collected by us may be transferred to and processed in countries outside the European Economic Area (“EEA”) and the United Kingdom (“UK”). We will take all necessary steps to ensure that your personal information is treated securely and in accordance with this Privacy Policy. For any transfers of data outside the EEA or the UK, the data transfer will be under the European Commission’s model contracts for the transfer of personal information to third countries (i.e., the standard contractual clauses) (the “Model Clauses”), or any equivalent contracts issued by the relevant competent authority of the UK. ## For how long do we keep your data? We may keep your personal data for a maximum period of 7 (seven) years in compliance with the applicable laws and regulations. ## How do we protect and ensure your rights? You are entitled to a certain number of legal rights concerning the personal information we may hold about you. These rights can be exercised at any time by contacting us. The following rights apply regarding the collection of your personal information: Right to Access: you have the right to access your personal information stored with us, how we use it, and who we share it with. Right of Portability: you have the right to receive a copy of all your personal information stored by us in a structured, commonly used and machine-readable format and/or request transfer of the same to a third party, in certain circumstances and with certain exceptions. Right to Rectification: you have the right to correct any inaccurate personal information. Right to Deletion of Data and Right to be Forgotten: In certain circumstances, you have the right to delete your personal information stored with us. There may be circumstances where you ask us to erase personal information, but we are legally entitled to retain it; in such circumstances, the same shall not be erased. Right to restrict processing: you have the right to require us to stop processing the personal information we hold about you, other than for storage purposes, in certain circumstances. Right to Objection: you have the right to object to our processing of your personal information. There may be circumstances where you object to or ask us to restrict the processing of personal information, but we are legally entitled to refuse that request. Objection to marketing: you can object to marketing at any time by opting out using the unsubscribe/opt-out function displayed in our communications to you. Withdrawal of consent: Where we rely on consent to process your personal information, you have the right to withdraw this consent at any time. In certain circumstances it may be lawful for us to continue processing without consent if we have a legitimate reason (other than consent) for doing so. The aforementioned rights are not absolute and may be limited by law. ## Contact Us: For further information on the collection, use, disclosure, transfer or processing of personal information or the exercise of any of the rights listed above, please contact Holyheld by sending an email to . If you have complaints about how we process your personal information, please contact us and we will respond to your request as soon as possible. # AML Policy - Holyheld onchain debit card legal information **Last Update: 01.03.2023** This document is a summarized overview of UAB Holyheld Financial’s (“Holyheld”) procedures for prevention of money laundering (“ML”), financing of terrorism (“FT”) and other forms of illicit activity. Holyheld is a Lithuanian licensed entity duly authorized to provide services of exchanging virtual currency against fiat currency and virtual currency wallet services, and complies with the Money Laundering, Terrorist Financing and Transfer for Funds Regulations 2017 as amended. ## Risk-Based Approach Holyheld takes a risk-based approach (“RBA”) towards assessing and containing the money laundering and terrorist financing risks arising from any customer’s transactions according to Holyheld’s implemented risk management framework, controlled by a certified risk manager. Holyheld performs a risk-based due diligence by collecting any necessary information and documentation on each prospective customer in order to assess the risk before entering into a customer relationship, or when attributing a risk profile. The customer risk profile will be revised periodically upon knowledge of the client identification and its activities. ## Customer Due Diligence Customer due diligence (CDD) measures are required for verifying the identity of a new or existing Customer as a well-performing risk-based ongoing monitoring of the Customer Relationship. The CDD measures are taken and performed to the extent necessary considering the Customer’s risk profile and other circumstances in the following cases: - upon establishment of the Customer Relationship and during the ongoing monitoring of the Customer Relationship; - upon verification of information gathered while applying due diligence measures, or in the case of doubts as to the sufficiency or truthfulness of the documents or data gathered earlier while updating the relevant data; - upon suspicion of Money Laundering or Terrorist Financing, regardless of any derogations, exceptions or limits provided for in the Holyheld AML Policy and applicable legislation. Holyheld does not establish or maintain a Customer Relationship and does not perform any transaction if: - Holyheld is not able to take and perform any of required CDD measures; - Holyheld has any suspicions that Holyheld’s services or transaction will be used for Money Laundering or Terrorist Financing; - the risk level of the Customer or of the transaction does not comply with Holyheld’s risk assessment. Each Customer is assigned a documented individual risk level which shall form the basis for follow-up measures, and which is followed up and updated when necessary. Upon the application of CDD measures, Holyheld acquires the knowledge, understanding and assertion that has enough information about the Customer’s identity, activities, purpose of the Customer Relationship and of the transactions carried out, and origin of the funds, so that Holyheld understands the Customer’s purpose, thereby taking into account the Customer’s risk level, the risk associated with the Customer Relationship and the nature of such relationship. ## Simplified Due Diligence Simplified due diligence (SDD) measures are applied where the Customer’s risk profile indicates low risk level of ML/TF. SDD measures must not be carried out in the circumstances where enhanced due diligence measures (as described below) must be carried out. Where, in the course of performing ongoing monitoring of the Customer’s Relationships, it is established that the risk of ML and/or TF is no longer low, Holyheld must apply the relevant level of CDD measures. ## Standard Due Diligence Standard due diligence measures are applied to all Customers where CDD measures must be applied in accordance with Holyheld’s Policies. The following standard due diligence measures should be applied: - identification of the Customer and verification of the submitted information based on information obtained from a reliable and independent source; - identification and verification of a representative of the Customer and their right of representation; - understanding of Customer Relationship, transaction or operation and, where relevant, gathering information thereon; - gathering information on whether the Customer is PEP, their family member or a person known to be close associate; - monitoring of the Customer Relationship. The CDD measures specified above must be applied before establishing the Customer Relationship or performing any transaction. ## Enhanced Due Diligence In addition to standard due diligence measures, Holyheld applies enhanced due diligence (EDD) measures in order to manage and mitigate an established risk of Money Laundering and Terrorist Financing in the case where the risk is established to be higher than usual. Holyheld applies EDD measures, when: - the Customer's risk profile indicates high risk level of ML / TF; - upon identification of the Customer or verification of submitted information, there are doubts as to the truthfulness of the submitted data, authenticity of the documents; - where cross-border correspondent relationships are commenced with the Customer, which is financial institution of Third Country; - in the case of performance of transaction or Customer Relationship with the PEP, the family member of the PEP or a person known to be the close associate of the PEP; - where transaction or Customer Relationship are carried out with natural persons residing in high-risk Third Countries as identified by the European Commission; - the Customer is from such country or territory or their place of residence or seat or the seat of the payment service provider of the payee is in a country or territory that, according to credible sources such as mutual evaluations, reports or published follow-up reports, has not established effective AML/CFT systems that are in accordance with the recommendations of the FATF. Prior to applying EDD measures, Holyheld ensures that the Customer Relationship or transaction has a high risk and that a high-risk rate can be attributed to such Customer Relationship or transaction. Above all, Holyheld assesses prior to applying the EDD measures whether the features described above are present and applies them as independent grounds (that is, each of the factors identified allows application of EDD measures with respect to the Customer). Holyheld shall notify about EDD measures applied within 2 working days after the start of applying of the EDD measures by sending relevant notification to the compliance Officer. In the case of application of EDD measures, the Holyheld reassesses the Customer’s risk profile no later than every six months. ## Customer Identification The Holyheld identifies the Customer who is a natural person and retains the following data: - name(s) and surname(s); - personal number; - citizenship; - photograph; - signature. The following valid identity documents which contain data specified above may be used as the basis for the identification of a natural person: - an identity document of the Republic of Lithuania; - an identity document of a foreign state; - a residence permit in the Republic of Lithuania; - a driving license issued in a state of the European Economic Area in accordance with the requirements laid down in Annex I to Directive 2006/126/EC of the European Parliament and of the Council of 20 December 2006 on driving licenses (recast). The Customer, who is a natural person, cannot use a representative in the course of customer relationship with the Company. The Holyheld does not accept legal entities as Customers. Holyheld uses data from a reliable and independent third party service provider to confirm that the personal data and information provided by the Customer is true and correct. ## Politically Exposed Persons The Holyheld shall take measures to ascertain whether the Customer, or the representative of this Customer is a PEP, their family member or close associate or if the Customer has become such a person. The Holyheld shall request from the Customer information to identify if the Customer is a PEP, their family member or close associate (e. g. providing the Customer with an opportunity to specify the relevant information when collecting data about the Customer). The Holyheld shall identify close associates and family members of PEPs only if their connection with PEP is known to the public or if the Holyheld has reason to believe that such a connection exists. ## Identification of purpose of the customer relationship or of a transaction Holyheld shall understand the purpose and nature of the establishing Customer Relationship or performing a transaction. Regarding the services provided, Holyheld may request from the Customer information for understanding the purpose and nature of the Customer Relationship or transaction. Holyheld also applies additional measures and collects additional information to identify the purpose and nature of the Customer Relationship in cases where there is a situation that refers to high value or is unusual; and/or where the risk and/or risk profile associated with the Customer and the nature of the Customer Relationship gives reason for the performance of additional actions in order to be able to appropriately monitor to Customer Relationship later. ## Customer relationship monitoring Holyheld shall monitor established Customer Relationships where ongoing due diligence (ODD) measures are implemented by regularly checking and updating the documents, data and information collected within the course of the implementation of CDD measures and updating the Customer's risk profile. The regularity of the checks and updates must be based on the risk profile of the Customer. The collected documents, data and information must also be checked if an event has occurred which indicates the need to update the collected documents, data and information. Holyheld shall identify the source and origin of the funds used in transaction(s) if necessary. The need to identify the source and origin of funds depends on the Customer’s previous activities as well as other known information. The identification of the source and origin of the funds used in a transaction can be performed in specific cases. ## Sanctions Implementation Upon the entry into force, amendment or termination of any Sanctions, Holyheld shall verify whether the Customer, or a person who is planning to have the Customer Relationship or transaction with them is a subject of Sanctions. Holyheld shall perform the Sanctions’ verification on an ongoing basis in the course of an established Customer Relationship. The frequency of the ongoing verifications depends on the Customer’s risk profile. ## Refusal of Transaction and Customer Relationship Termination Holyheld is prohibited to establish a Customer Relationship and the existing Customer Relationship or transaction shall be terminated when: - Holyheld suspects Money Laundering or Terrorist Financing; - it is impossible for the Holyheld to apply the CDD measures, because the Customer does not submit the relevant data or refuses to submit them or the submitted data gives no grounds for reassurance that the collected data are adequate; - the Customer which capital consists of bearer shares or other bearer securities wants to establish the Customer Relationship; - the Customer who is a natural person behind whom is another, actually benefiting person, wants to establish the Customer Relationship (suspicion that a person acting as a front is used); - the Customer´s risk profile has become inappropriate with the Company´s risk assessment (i. e. the Customer´s risk profile level is “prohibited”). ## Reporting Holyheld must suspend the transaction disregarding the amount of the transaction (except for the cases where this is objectively impossible due to the nature of the Monetary Operation or transaction, the manner of execution thereof or other circumstances) and must report to the FCIS on the activity or the circumstances that they identify in the course of economic activities, and whereby Holyheld has established that the Customer is carrying out a suspicious transaction; and/or knows or suspects that assets of any value are obtained directly or indirectly from criminal activity or participation in such activity. ## Training Holyheld ensures that its employees, its contractors and others participating in the business on a similar basis and who perform work tasks that are of importance for preventing the use of the Company's business for Money Laundering or Terrorist Financing (‘Relevant Persons’) have the relevant qualifications for these work tasks. When a Relevant Person is recruited or engaged, the Relevant Person’s qualifications are checked as part of the recruitment/appointment process by carrying out background checks, which is documented using a special standard form assessing Employee suitability. In accordance with the requirements applicable to the Holyheld on ensuring the suitability of Relevant Persons, the Holyheld makes sure that such persons receive appropriate training and information on an ongoing basis to be able to fulfil the Company’s obligations in compliance with the applicable legislation. ## Data Processing and Logbooks Holyheld shall keep a registry of all relevant data regarding Holyheld’s potential Customers, Customers and their activities during the Customer Relation. The data shall be retained for 8 years after the expiry of the Customer Relationship or the completion transaction. The data related to the performance of the reporting obligation must be retained for 5 years after the performance of the reporting obligation. The correspondence of a Customer Relationship with the Customer must be retained for 5 years from the date of termination of transactions or Customer Relationship. Holyheld implements all rules of protection of personal data upon application of the requirements arising from the Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 and other applicable law. Holyheld is allowed to process personal data gathered upon CDD implementation only for the purpose of preventing Money Laundering and Terrorist Financing and the data must not be additionally processed in a manner that does not meet the purpose, for instance, for marketing purposes. ## Compliance Officer Holyheld appointed a Compliance Officer, who acts as a contact person of the FCIS and performs the ML/TF duties and obligations on behalf of Holyheld. The Compliance Officer reports directly to the management board and has the competence, means and access to relevant information across all the structural units of Holyheld. The duties of Holyheld Compliance Officer include: - Organisation of the collection and analysis of information referring to possible unusual transactions or transactions or circumstances suspected of money laundering or terrorist financing - Reporting to the FCIS in the event of suspicion of money laundering or terrorist financing; - Periodic submission of written statements on compliance with the requirements arising from the law to the management board of Holyheld; - Performance of other duties and obligations related to compliance with the requirements of Holyheld; - Updating internal policy documents, business and client risk assessment regularly. # Fees - Holyheld onchain debit card legal information **Last Update: 19.03.2025** # Holyheld Rewards - Holyheld onchain debit card legal information **Last Update: 28.04.2023** ## 1. How to Participate As a Holyheld verified User you are eligible to participate in different campaigns launched by Holyheld. Participating is free of charge and only accessible to $holytag holders. By taking part in any campaign you expressly agree to these, but also the General Terms and Conditions, as well as to any decisions made by Holyheld regarding in the course of any campaign. All Holyheld decisions are binding and definitive. ## 2. Rewards Holyheld Rewards are subject to the fulfillment of all conditions for participating and/or winning any campaign. Holyheld may, at its sole discretion, decide who shall be granted a Reward, as well as change the criteria and conditions of the campaign, including its nature, and/or cancel it, at any time, without justification. In case of a user not accepting the Reward, for any reason, Holyheld may decide, at its sole discretion, to grant the Reward to any other Holyheld User. Rewards are limited to one Reward per Holyheld verified User per campaign. Participants that have been rewarded in the past will not be eligible for future campaigns. ## 3. Campaigns Holyheld may at any time announce the launch of different marketing campaigns, for the sole purposes of promoting the use of the platform and growth of the Holyheld community. These campaigns may be launched in any social media platforms or directly to verified Holyheld Users. Holyheld reserves also the right to choose any platform for any communications regarding the campaigns, as well as for the announcement of granting any Reward. ## 4. Indemnification All Holyheld verified Users agree to indemnify and hold harmless Holyheld from any and all liability for any claims, damages, or losses of any kind and to release all rights to bring any claim, action or proceeding against Holyheld arising out of, in connection with, or relating to: - the participation in any campaign - any copyright, trademark, or any other intellectual property-related infringement or cause of action arising from or related to the campaign, the Reward, or any advertising and marketing communications - any technical errors - any errors regarding the communication or administration of any campaign, including the launch terms, identifying or announcing any User or Winner, any technical or malfunction of computer systems, or on account of any technical problems. Users agree that Holyheld’s liability will be limited, in any case, to the value of the Reward. Holyheld shall not be held responsible if the campaign cannot take place, or if the Reward cannot be granted, namely due to delays, interruptions or failures due to any events outside of the control of Holyheld. The use of any automated technology to subvert the participation of any user is prohibited and any entries received by such means will be void. Holyheld reserves the right in its sole discretion to disqualify and exclude any User that is considered by Holyheld (i) to have tampered with the Participation on the Campaign; (ii) threaten or harass Holyheld, other User or the overall community; (iii) display defamatory contents or (iv) to be acting in violation of these and the General Holyheld Terms and Conditions. ## 5. Risks Users understand and acknowledge the risks associated with the holding and use of crypto assets. Holyheld shall not be held responsible, in any case, for any action of any User resulting in direct or indirect losses or any other, or resulting from the holding and use of crypto assets. ## 6. Cancellation Holyheld reserves the right to cancel the campaign at any time or to amend the terms and conditions, without prior notice without any justification. If, for any reason the campaign is not capable of running as planned by any reason outside of the control of Holyheld, in a way that may corrupts or affects the administration, security, fairness, integrity or proper conduct of the campaign, Holyheld reserves the right, in its sole discretion, to cancel, terminate, modify, or suspend the campaign entirely, or in part. ## 7. Miscellaneous The invalidity or unenforceability of any provision of these Terms and Conditions will not affect the validity or enforceability of any other provision. In the event that any provision of the Terms and Conditions is determined to be invalid or otherwise unenforceable or illegal, the other provisions will remain in effect and will be construed in accordance with their terms as if the invalid or illegal provision were not contained herein. Due to regulatory matters, some campaigns may not be available in your region. # Holyheld Cashback Rewards - Holyheld onchain debit card legal information **Last Update: 25.05.2023** ## 1. Cashback Rewards You can earn and accumulate cashback rewards by spending with your holyheld card, claimable on-chain, that can be later used to off-ramp with the card. ## 2. Eligibility As an active and verified holyheld customer you are granted a percentage of your purchase amount spent with your holyheld card, credited back in your card in USDC as a reward. ## 3. Earning Cashback Rewards You earn cashback rewards on every purchase at different rates, depending on your holyheld card option: - holyheld classic 0.5%; - holyheld limited Edition 0.5%; - holyheld metal 1%. The cashback rewards are earned on every full cent spent on each purchase. The value of each purchase will be rounded down before Cashback rewards are calculated. cashback reward amounts earned will also be rounded to the nearest USDC unit. Cashback reward amounts are displayed and can only be claimed in USDC, through any supporting blockchain network. The cashback rewards calculation and accumulated amounts will be updated daily after the successfully completed transaction. The calculation will only be available after executing a transaction. ## 4. Redemption of Cashback Rewards You are able to claim your cashback rewards from within the holyheld application, by generating your own independent transaction. Cashbacks can be claimed partially or in full, considering the accumulated amount at the day of your claim after 30 days of each purchase. Cashback rewards shall be paid exclusively to the wallet you solely own and manage your holyheld card. No cashbacks will be earned on fees paid to holyheld, incoming funds or transfers, SEPA transfers, balance transfers, cash advances, purchases or exchange transactions outside holyheld and any amounts that are subsequently re-credited to your holyheld card account by way of refunds, or other types of credit of funds. If cashback rewards are earned on a transaction that is later refunded, those cashback rewards will be lost. ## 5. Expiration of Cashback Rewards Unless otherwise stated, cashback rewards will not expire if not redeemed while your holyheld account is active. ## 6. Changes to the Program Holyheld reserves the right to modify, suspend or cancel the Program at any time, without notice. This includes, but is not limited to, changing the rate at which cashback rewards are credited to your holyheld card and altering redemption methods. ## 7. Miscellaneous Participation in the Program constitutes acceptance of these Terms & Conditions. Any misuse of The Program, as determined by holyheld in its sole discretion, may result in termination of the user t's account and forfeiture of earned cashback rewards. # Terms and Conditions - Holyheld onchain debit card legal information **Last Update: 17.10.2024** Holyheld is operated by UAB Holyheld Financial, company number 306129001 registered at Gabijos Str. 32, Vilnius, 06158, Lithuania, duly authorized to provide services of exchanging virtual currency against fiat currency and virtual currency wallet services. WHEREAS, these Terms and Conditions govern the access and use by users who are residents of, or located in the EU, of the Holyheld websites, mobile applications, products, software, and other services, including the Holyheld crypto exchange platform (our "Platform") operated by UAB Holyheld Financial, and other services we provide to you. Before using Holyheld, we kindly ask you to read carefully and understand the following. By accessing or using our service, you agree to be bound by these Terms and Conditions. ## 1. Definitions **"Crypto"** (also called "cryptoasset", "cryptocurrency", "virtual currency", "digital currency", or "virtual commodity") means a digital currency or virtual currency that is based on cryptography and operating on a decentralized platform, which is a digital representation of value based on (or built on top of) a cryptographic protocol of a computer network. :br**"Holyheld Account"** means the account you open with us through the Platform which is to be operated and used by you in accordance with these Terms and Conditions. :br**"Fiat currency"** means traditional currency, such as US dollars, euros, or pounds sterling, issued by governments and central banks. :br**"KYC"** means "know your customer", which refers to the process of verifying the identity of our customers. :br**"AML"** means "anti-money laundering", which refers to the laws and regulations aimed at preventing money laundering and terrorist financing.\\ ## 2. Holyheld Account Your Holyheld Account enables you to manage, make payments, exchange, transfer or withdraw your balances of crypto or fiat currencies by giving instructions through the Holyheld Platform in accordance with these Terms and Conditions. ## 3. Holyheld Crypto Services **3.1.** Holyheld allows you to receive funds whether in crypto or in fiat currencies; exchange cryptoassets for fiat currency as supported by Holyheld; make deposits, withdrawals, transfers or payments to third parties using Holyheld Account or external electronic money account or card services; transfer of cryptoassets between users of the Platform. **3.2.** Holyheld does not provide any custodial services, nor creates crypto wallets in order to hold any cryptoassets on your behalf. To execute a transaction you agree to connect your pre-existing crypto wallet holding your cryptoassets to the Holyheld Platform. You agree to interact with Holyheld Smart Contract, which will recognize the cryptoassets and will perform a KYC and AML verification via third-party providers, before initiating the exchange of the cryptoassets on your behalf. ## 4. Registration **4.1.** By using our Platform, you confirm that you are at least 18 years old and legally able to enter into legally binding agreements. **4.2.** In order to use the Platform you must register for a Holyheld Account with us. You must provide truthful, accurate and complete information during registration or at any time after. You are responsible for maintaining the confidentiality of your account credentials, and you agree to notify us immediately of any unauthorized use of your account. **4.3.** You must comply with anti-money laundering obligations in order to open a Holyheld Account. Please consult our [AML Policy](https://holyheld.com/legal/aml-policy). This will require you, as part of the registration process, to provide personal details and supporting documents (including your full name, residential address and postcode, mobile number, email address, date of birth, and certain forms of identification), and other evidence and documentation we may ask you to provide, so that we may verify your identity. **4.4.** We reserve the right to require you to provide us with additional information in order to verify your identity and/or require you to undergo a background check prior to being authorised to use Holyheld’s services, or at any point thereafter, in accordance with applicable laws and regulations. **4.5.** You acknowledge and agree that we may make any inquiries that we consider necessary, either directly or through third parties, concerning your identity including, without limitation, requiring you to take steps to confirm ownership of your email address, verifying information against third party databases or through other sources. **4.6.** These inquiries and verification may involve the sharing of certain aspects of your information with third parties for the limited purpose of completing these inquiries and verification. **4.7.** By opening an Account you represent and warrant to us that your opening of an Account does not violate any laws or regulations applicable to you. ## 5. Execution of Transactions **5.1.** We will process cryptoasset transactions in accordance with the instructions we receive from you. You should verify all transaction information prior to submitting instructions to us. We do not guarantee the identity of any user, receiver, requester, or other third-party and we will have no liability or responsibility for ensuring that the information you provide is accurate and complete.You cannot cancel, reverse, or change any transaction marked as complete or pending. **5.2.** When you or a third party sends a cryptoasset to a Holyheld Account from an external cryptoasset wallet not hosted on the Platform, the person initiating the transaction is solely responsible for executing the transaction properly. **5.3.** All transactions on our platform are final and irreversible. We are not responsible for any losses incurred due to incorrect or unauthorized transactions. **5.4.** We may refuse to process or cancel any pending cryptoasset transaction as required by law, regulation, or any court or other authority to which Holyheld is subject in any jurisdiction, if there is suspicion of money laundering, terrorist financing, fraud, or any other financial crime. **5.5.** The use of our services may be subject to limits on the volume on any fiat currency or cryptoasset that you may transact or transfer in a given period. Transaction limits may vary depending on your payment method, verification steps you have completed, and other factors. We reserve the right to change applicable limits, as we deem necessary. **5.6.** USDC is the only cryptoasset supported by Holyheld for the crypto exchange service. Other tokens might be used in the Holyheld Platform through third party smart contract integrations. Holyheld reserves the right to at any time terminate the listing and support for a specific Cryptoasset. **5.7.** During the execution of the services Holyheld is not the recipient of any ownership or custodial rights of any cryptoassets. You remain the sole owner of your cryptoassets at all times in your own crypto wallet. **5.8.** You acknowledge that the value of the Cryptoasset may vary. You agree to accept the rate when you authorise a Cryptoasset Transaction. We do not guarantee that you will be able to execute the transaction with Cryptoassets at any particular price or time. **5.9.** You can purchase supported Cryptoassets using fiat currencies via Holyheld, through a third party wallet provided authorised by Holyheld. You may authorise and instruct holyheld, whether directly or via a third party wallet provider to purchase Cryptoassets on your behalf once the purchase order is placed and the funds are received by holyheld through our third-party service provider. You must confirm the exchange rate and quote provided by holyheld in the app and sign the transaction confirmation with your wallet. **5.10.** Holyheld will process Cryptoasset transactions according to your instructions. You are the sole responsible for executing the transaction correctly, which may include paying fees to complete the transaction. **5.11.** Transactions marked as complete or pending cannot be canceled, reversed, or changed. **5.12.** The use of our transaction services may be subject to limits on the volume of fiat currency or Cryptoassets you can transact or transfer within a given period. **5.13.** Your transaction limits may vary based on your payment method, completed verification steps, and other factors. We reserve the right to change applicable limits as necessary. **5.14.** Holyheld may refuse to process or cancel any pending Cryptoasset transaction as required by law, regulation, or any authority in any jurisdiction if there is suspicion of money laundering, terrorist financing, fraud, or other financial crimes. ## 6. Prohibited Use of the Holyheld Platform **6.1.** You agree not to use our platform for any illegal, fraudulent, or unauthorized activities. You also agree not to engage in any activities that could damage, disable, overburden, or impair our platform or interfere with other users' use of our service. **6.2.** The Holyheld Platform is not provided to, and may not be used in any jurisdiction where the provision or use thereof would violate applicable laws and regulations. **6.3.** If you reside in any jurisdiction where the use of the Platform would violate any of the laws or regulations of the jurisdiction in which you reside, you agree to refrain from using the Platform in any manner that would violate any of the laws and regulations of your jurisdiction. ## 7. Risks Associated with Cryptoasset Transactions **7.1.** You understand that cryptoasset transactions involve a high level of financial and security risk. Cryptoassets may experience frequent price volatility. Legislative and regulatory changes or actions may adversely affect the use, transfer, exchange, and value of cryptoassets; **7.2.** You understand that: - cryptoassets in your account are not subject to deposit insurance protection; - cryptoassets are not legal tender; - Transactions in cryptoassets may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable; - Holyheld may rely on third party service providers which may fail to execute the contracted services; - cryptoasset exchange and custody services are subject to anti-money laundering compliance and registration requirements under the Lithuanian law and under the European Union’s Fifth Money Laundering Directive. **7.3.** You agree and understand that you are solely responsible for determining the nature, potential value, suitability, and appropriateness of these risks for yourself, and that Holyheld does not give advice or recommendations regarding cryptoassets, including the suitability and appropriateness of, and investment strategies for, cryptoassets. You agree and understand that you access and use the Holyheld Platform at your own risk; however, this brief statement does not disclose all of the risks associated with cryptoassets and using the Holyheld Platform. **7.4.** You should therefore carefully consider whether such use is suitable for you in light of your circumstances and financial resources. You should be aware that you may sustain a total loss of relevant funds, and that under certain market conditions, you may find it difficult or impossible to liquidate a position. ## 8. Payment of Taxes **8.1.** We do not provide tax advice and you agree that you will determine any tax implications associated with your use of, and any transactions you may make using the Platform. You should consult an accountant, lawyer, or tax authorities in your jurisdiction to determine any tax implications. **8.2.** Your transaction history is available through your Holyheld Account. It is your sole responsibility to determine whether, and to what extent, any taxes apply to any transactions you conduct through the services, and to withhold, collect, report and remit the correct amount of tax to the appropriate tax authorities. ## 9. License and Intellectual Property **9.1.** We grant you a limited, nonexclusive, non-transferable and non-sub licensable license to access and use the Platform solely for informational, transactional, or other approved purposes and reserve all other rights in the Platform, including without limitation, our websites, APIs, and other content. You agree you have no other rights beyond this limited license. **9.2.** Subject to the foregoing, you agree you will not copy, transmit, distribute, sell, resell, license, de-compile, reverse engineer, disassemble, modify, publish, participate in the transfer or sale of, create derivative works from, perform, display, incorporate into another website, or in any other way exploit any content or other part of the Platform for any purpose. You also agree that you will not frame or display any part of the Platform without our prior written permission and that you will not use our trademarks without our permission. You further agree that you will not use any part of the content on our site for commercial purposes without obtaining a license to do so from us or our licensors. ## 10. Fees **10.1.** We may charge fees for certain services we provide independently or together with our partners and third party service providers. Please confirm the fees applicable with your service provider. **10.2.** We may charge network fees to process a cryptoasset transaction on your behalf. We will calculate the network fee at our discretion, although we will always notify you of the network fee at or before the time you authorise the transaction. **10.3.** Non-payment of fees may cause your transaction to remain in a pending state outside of our control and we are not responsible for delays or loss incurred as a result of an error in the initiation of the transaction and have no obligation to assist in the remediation of such transactions. ## 11. Privacy Policy Our privacy policy outlines how we collect, use, and protect your personal information. By using our platform, you agree to our [Privacy Policy](https://holyheld.com/legal/privacy-policy). ## 12. AML Policy By using our platform, you agree to our [AML Policy](https://holyheld.com/legal/aml-policy). ## 13. Disclaimer of Warranties **13.1.** We provide our platform on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding the reliability, accuracy, or completeness of our platform. **13.2.** We make no representations about the accuracy, order, timeliness, or completeness of historical cryptoasset price data available on the Platform. **13.3.** We will make reasonable efforts to ensure that cryptoasset transactions, requests for debits and credits involving your Holyheld Account, bank accounts, debit cards are processed in a timely manner but we make no representations or warranties regarding the amount of time needed to complete processing which is dependent upon many factors outside of our control. **13.4.** Specifically, to the fullest extent permissible under applicable law, we do not give any implied warranties of title, merchantability, fitness for a particular purpose and/or non-infringement. We do not make any promises that access to the Platform, any of the Services, or any of the materials contained therein, will be continuous, uninterrupted, timely, or error-free. **13.5.** Any materials, information, view, opinion, projection, or estimate presented via the Platform is made available for informational purposes only and is subject to change without notice. You must make your own assessment of the relevance, timeliness, accuracy, adequacy, commercial value, completeness, and reliability of the materials, information, view opinion, projection, or estimate provided on the Platform. ## 14. Limitation of Liability **14.1.** We shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use or inability to use our Platform. **14.2.** We are not liable for any damage or interruptions caused by any computer viruses or other malicious code that may affect your computer or other equipment, or any phishing, spoofing or other attack. We advise the regular use of a reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from us. **14.3.** You agree to indemnify us, our affiliates and service providers, and each of our, or their, respective officers, directors, agents, employees, and representatives, in respect of any costs (including attorneys' fees and any fines, fees or penalties imposed by any regulatory authority) that have been reasonably incurred in connection with any claims, demands or damages arising out of or related to your breach and/or our enforcement of these Terms and Conditions. **14.4.** Where we do not own or control the underlying software protocols that govern the operation of cryptoassets supported on our Platform, we assume no responsibility for the operation of the underlying protocols and we are not able to guarantee the functionality or security of network operations. **14.5.** Where we are considering a specific claim relating to a specific transaction Holyheld’s liability to you in case of breach of these Terms and Conditions will be further limited to the transaction amount in dispute. **14.6.** In addition to the liability cap above, in no event shall Holyheld, our affiliates or service providers, or any of our or their respective officers, directors, agents, employees or representatives, be liable for any of the following types of loss or damage arising under or in connection with this Agreement or otherwise: - If you claim that we failed to process a cryptoasset transaction properly, your damages are limited to no more than the supported cryptoasset at issue in the transaction; - any loss of, or damage to, reputation or goodwill; any loss of business or opportunity, customers or contracts; any loss or waste of overheads, management or other staff time; or any other loss of revenue or actual or anticipated savings, whether direct or indirect, even if we are advised of or knew or should have known of the possibility of the same; - any loss of use of hardware, software or data and/or any corruption of data; including but not limited to any losses or damages arising out of or relating to any inaccuracy, defect or omission of digital currency price data; any error or delay in the transmission of such data; and/or any interruption in any such data; and - any loss or damage whatsoever which does not arise directly as a result of our breach of this Agreement (whether or not you are able to prove such loss or damage). **14.7.** We are not liable for any breach of the Agreement, including delays, failure in performance, or interruption of service, where they arise directly or indirectly from abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all effects to the contrary, nor are we liable where the breach is due to the application of mandatory legal rules. ## 15. Termination You agree that Holyheld reserves the right to suspend, terminate and deactivate your Holyheld Account or access to our Platform at any time, without notice, justification or liability, including in case of: applicable regulatory or judicial decision; pending litigation as so determined by the court or any governmental entity; in case of any illegal, fraudulent, or suspicious activity; and/or in case of any suspected misuse of the Holyheld Platform or the user credentials. ## 16. Communications **16.1.** Any questions, concerns, complaints or further correspondence regarding the present Terms and Conditions shall be addressed to our email . **16.2.** For Privacy and Data Protection matters please refer to the email . **16.3.** For KYC/AML compliance questions please contact . ## 17. Amendments **17.1.** We reserve the right to modify these terms and conditions at any time and without notice. By continuing to use our platform, you agree to be bound by any changes to these terms and conditions. **17.2.** We may amend these Terms and Conditions, any agreement incorporated by reference, or our fees at any time by posting the amended version on the Platform, emailing it to you, or communicating it to you through the Platform. Each amended version will be effective as of the time it is posted, and your continued use of our services after the posting of an amended version constitutes your acceptance of the amended version. ## 18. Non-assignment **18.1.** These Terms and Conditions are personal to you and you cannot transfer or assign your rights, licenses, interests and/or obligations to anyone else. We may transfer or assign our rights licenses, interests and / or our obligations at any time, including as part of a merger, acquisition, or other corporate reorganisation involving Holyheld, provided that this transfer or assignment does not materially impact the quality of the services you receive. Subject to the foregoing, these Terms and Conditions will bind and insure to the benefit of the parties, their successors, and permitted assigns. You reserve the right to terminate the Terms and Conditions with immediate effect in the event we transfer and/or assign the Agreement. **18.2.** In case Holyheld is acquired by or merged with a third-party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you and our relationship with you (including these Terms and Conditions) as part of such merger, acquisition, sale, or other change of control. ## 19. Miscellaneous **19.1.** These Terms and Conditions, including documents and links referenced constitute the entire understanding and agreement between you and Holyheld and it supersedes any and all prior discussions, agreements, and understandings of any kind (including without limitation any prior versions of these Terms and Conditions), and every nature between and among you and Holyheld. **19.2.** If any provision of these Terms and Conditions is determined to be invalid or unenforceable under any applicable law, this will not affect the validity of any other provision. If any provision is found unenforceable, the unenforceable provision will be severed, and the remaining provisions will be enforced. Our failure to insist upon your strict compliance with any term or provision of these Terms and Conditions shall not be construed as a waiver for you to not comply with such term or provision. **19.3.** All provisions of these Terms and Conditions that by their nature extend beyond the expiration or termination of these Terms and Conditions, including, without limitation, the sections relating to suspension or termination, disputes with Holyheld, your liability, the indemnity, and general provisions will continue to be binding and operate after the termination or expiration of these Terms and Conditions. ## 20. Governing Law These Terms and Conditions shall be governed by and construed in accordance with the laws of Lithuania.