Off-ramp

Native Crypto Currencies

Accept crypto payments, off-ramp crypto, or build a custom route flow automatically in a single app.

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Integrated with 150+ stablecoins, protocols, and networks of all sizes

  • < 2s

    Crypto settlement speed

  • 1M+

    Transactions on Holyheld

  • 24/7/365

    Smart Contract settlement

You get

  • Accept crypto and stablecoin in a single fiat output

    Tokens, stablecoins, RWAs on 20+ networks. One app handles asset diversity.

  • Security first

    Battle-tested security infrastructure.

  • Settle in seconds

    Crypto-to-fiat clears on L2s in under 2 seconds. No T+1. No correspondent banks. No cut-off times. Saturday night settles the same as Tuesday afternoon.

  • One app to coordinate your entire deposit stack

    Exchange, bridge, banking rail, or card network. Holyheld is one composable app that connects the pieces you already have and fills the gaps you don't.

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  • Multi-assets support

    Stablecoins, native tokens, long-tail assets, and tokenized RWAs including treasuries, bonds, and equities.

  • Multi-network support

    Transactions supported on Ethereum, Arbitrum, Base, Solana, Tron, and 20+ other networks through a single endpoint.

  • Fiat rail settlement

    Settle into SEPA, SWIFT, CHAPS, or TARGET2. Same-day or instant depending on the corridor.

  • Wallets supported

    Compatible with external non-custodial wallets, smart wallets, Privy, and custom custodial setups.

  • Lend to spend

    Spending directly from yield-bearing positions in real time. No withdrawal or redemption step required.

  • Real-time reconciliation

    Every exchange is tracked on-chain with a full audit trail. Balances, conversions, and settlement status available in real time.

Curve

From stablecoin FX to yield

Building an Onchain FX Marketplace. Transform stablecoin trading into a global onchain FX marketplace.

Read Case Study

Frequently asked questions

Everything you need to know about Holyheld.

General

  • Holyheld is a non-custodial account that lets you spend crypto as fiat in everyday purchases. Holyheld never holds your crypto or your private keys.

  • Connect your own wallet, convert crypto to fiat, and move it to your account balance to spend. Pay with your account balance, Apple Pay, or Google Pay anywhere it's accepted.

  • Holyheld is built for crypto natives, DeFi traders and protocol teams who want to spend onchain value in the real world. Every user keeps full custody of their assets while gaining a compliant fiat spending rail.

  • No. Holyheld is fully non-custodial — it does not hold or control your crypto-assets or private keys, and your funds remain in your own wallet.

  • Holyheld supports 20+ networks with continuous expansion. EVM networks like Ethereum, Arbitrum, Base, Optimism, Polygon, and Hyperliquid; and other networks like Solana and Starknet.

  • You can top up with major stablecoins like USDC and USDT, plus 1,200+ other tokens across 20+ networks. Every balance converts to fiat on your account automatically.

Account

  • Holyheld offers virtual and physical accounts across three tiers: Classic, Limited Edition, and Metal. You can use your virtual account instantly while your physical account is on the way.

  • Yes. Both virtual and physical accounts work with Apple Pay and Google Pay, so you can spend straight from your phone.

  • A $holytag is a unique username that lets you send, receive, and request funds instantly without sharing personal or account details. It also opens up onchain composability, so your favorite crypto protocols can pay you directly.

  • Holyheld pays cashback in USDC on every purchase — 0.5% for Classic and Limited Edition holders, and 1% for Metal holders.

  • Yes. Each user can get a personal IBAN for SEPA transfers, including salary and rent payments.

Fees & Limits

  • No. There is no account opening fee and no monthly maintenance fee — you pay only a one-time account price of EUR 29 Classic, EUR 99 Limited Edition, or EUR 199 Metal.

  • Converting crypto to fiat and topping up your account is free at 0%. Gasless approvals let you top up from an external wallet without paying any network gas.

  • Payments in your account currency have a 0% FX fee, while international payments cost 2.5% + EUR 1. ATM withdrawals are EUR 1 domestic and 2.5% + EUR 2 international.

Security & Compliance

  • Holyheld performs KYC and AML verification through third-party providers before activating your account. Because the platform is non-custodial, your crypto and private keys always remain under your control.

  • Your crypto stays in your own self-custodied wallet, Holyheld never has access to your assets or keys. Fiat account balances are held with regulated payment partners and protected by industry-standard fraud safeguards.