On-ramp

Native Fiat Currencies

Make stablecoin payments, fund onchain trading protocolsin fiat.

Get Started

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

  • %

    DeFi integrations

  • $320B

    Stablecoin market

  • <30s

    From fiat to on-chain delivery

You get

  • Fiat to on-chain in a single integration

    Multiple fiat rails: SWIFT, SEPA, ACH, WIRE, CHAPS, Visa, Mastercard. No exchange accounts to manage. No per network onramp logic. One app, multiple destinations.

  • Liquidity without trade-offs

    Enable earning and spending from the same position simultaneously. No redemption queues. No forced exit from yield to access liquidity.

Transaction detected

  • Fiat rail on-ramp

    Convert from SEPA, SWIFT, CHAPS, ACH, WIRE, or cards in real-time or scheduled, depending on the corridor.

  • Direct-to-protocol routing

    Fiat arrives and lands directly into DeFi positions — no intermediate wallet, no manual steps between conversion and deployment.

  • Non-custodial yield

    Funds route into vaults on Sky, AAVE, Morpho, and other protocols — users retain full custody while earning variable APY.

  • Spend-from-yield

    Enable spending directly from yield-bearing positions via cards — no withdrawal step, no redemption queue, no forced exit.

  • Stablecoin payouts

    Pay contractors, vendors, and partners across the world in stablecoins — faster and cheaper than traditional cross-border wires.

  • Multi-asset on-ramp

    Not just stablecoins — fiat converts into any supported token across all available blockchain networks.

  • Multi-chain delivery

    On-ramped funds deliver to Ethereum, Arbitrum, Base, Solana, and 20+ other networks via a single endpoint.

  • All wallets supported

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

Morpho

Fiat to yield in one step

Read how users can deposit fiat and land directly in Morpho USDC vaults earning variable APY. No token swaps. No bridging. No DeFi interface to navigate.

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.