Off-ramp
Stablecoins to business payments
Convert supported stablecoins to fiat for suppliers, expenses and your company’s account balances.
Integrated with 150+ stablecoins, protocols, and networks of all sizes
USD / EUR
Named business accounts
Dedicated
Concierge support
You get
Move from stablecoins to fiat
Receive supported digital assets and convert them for the currency your company needs to pay.
Follow each stage of the payment
Blockchain confirmation, conversion and a bank-account credit are distinct events. Track the payment through to its destination.
Plan for the recipient
Review the beneficiary details, available route, conversion and fees before confirming a payment.
Keep company finances organised
Use named USD and EUR accounts, virtual accounts and team permissions alongside your stablecoin payments.
Supported digital assets
Use the assets available for your account and transaction. Confirm the token and network together before sending.
Connected networks
Work with USDC on Ethereum, Arbitrum, Optimism, Base, Polygon and Solana, and EURC on Ethereum, Base and Solana. Check the available asset and network combination for your payment.
Bank payments
Use the available fiat route for the beneficiary and currency. Bank delivery follows the selected route’s processing stages.
Wallet connections
Connect supported wallets to the payment workflow and use the current deposit instructions.
DeFi connections
Bring supported onchain activity into your payment workflow. Review the relevant protocol and payment steps for the route you use.
Payment records
Keep the onchain reference, conversion and fiat transfer together for reconciliation with your invoice or business purpose.
Payment guides
USD and EUR accounts, stablecoins and the details that help your company pay and get paid.
Invoices
Get paid by invoice in USDC or EURC
Issue the invoice, send its pay link and see the payment arrive, with no Holyheld account needed by the payer.
Stablecoins
How to pay suppliers in stablecoins
Agree the terms, verify the wallet, fund the payment and keep a record that reconciles with the invoice.
Stablecoins
How to off-ramp USDC to an IBAN
Check the asset and network, convert to EUR or USD, and pay out to a bank account by SEPA or wire.
Stablecoins
Which network to receive USDC on: L1 vs L2 for company payments
Layer 1 and layer 2 explained for payments, with the fees, timing and USDC checks that decide the network.
Stablecoins
Custodial vs non-custodial wallets for business payments
Who holds the keys, who approves a payment, how recovery works and how to prove a wallet is your company's.
Payment guides
See all 8
Off-ramp questions
Supported stablecoins include USDC and EURC, and the ones available for your account are shown in the app. USDC converts to USD or EUR. If you hold a different stablecoin from the one your route needs, swap it first.
You can send USDC on Ethereum, Arbitrum, Optimism, Base, Polygon and Solana, and EURC on Ethereum, Base and Solana. Send only on the network named with the receiving address in your account, and check whether it takes native or bridged USDC: a service that accepts one doesn’t automatically accept the other. How to off-ramp USDC to an IBAN walks through each step.
The network confirmation, the conversion and the bank credit are separate stages, and Holyheld doesn’t publish one end-to-end time. The payout rail sets the last stage: outgoing ACH is same-day, and the app lists Faster Payments as up to 30 minutes, 24/7. If the money must arrive on a set day, discuss the payment with your concierge first.
Yes, as long as the exchange sends the asset on the network named with your receiving address. Your company’s own account at an exchange or custodian can also be saved as one of its wallets without signing a message.
Funds sent on a network other than the one named with your receiving address may not arrive. Contact your concierge with the transaction hash. For a first payment from a new wallet, send a small test amount before the full one.