# Holyheld

> Holyheld is a Swiss fintech for companies and individuals making global payments. It brings accounts, fiat and stablecoin payments, OTC services and treasury through partners into one membership. Membership is by invitation. Holyheld is a registered Swiss financial intermediary, not a bank.

Apply for yourself or your company. We review each application and invite applicants whose needs we can support.

Holyheld is operated by Holyheld Labs AG (CHE-207.939.735), 20 Bahnhofstrasse, Zug 6300, Switzerland. It is a member of a self-regulatory organisation and is supervised for anti-money-laundering and counter-terrorist-financing purposes under the Swiss Anti-Money Laundering Act. E-money services are provided by regulated partners. Support is a dedicated concierge, reachable through in-app chat.

A company's membership costs CHF 50 a month or CHF 500 a year (2 months free), excluding VAT; an individual's costs CHF 0 a year. Wire transfers cost $10 for a company and $20 for an individual, incoming or outgoing, domestic or international. Outgoing ACH and SEPA are free for a company and cost $1 and €1 per transfer for an individual. Every other bank transfer is free. Stablecoin swaps are 0%. On-ramp transfers cost 0.5% on the business membership and 1% on the individual one; off-ramp transfers cost 0.5% on the business membership and 1% on the individual one.

## Products

- [Holyheld Business](https://holyheld.com): Global payments, named USD and EUR accounts, and native stablecoin support for companies. Swiss fintech membership, by invitation.
- [Holyheld for individuals](https://holyheld.com/individual): Global payments, stablecoins and debit cards for individuals. A personal Holyheld membership with a dedicated concierge, by invitation.
- [On-ramp](https://holyheld.com/on-ramp): Convert fiat to supported stablecoins for company payments and onchain activity. Accounts, payment routes and concierge in one membership.
- [Off-ramp](https://holyheld.com/off-ramp): Convert supported stablecoins to fiat for company payments. Review conversion, fees and bank delivery through your Holyheld membership.

## Payment guides

- [Payment guides](https://holyheld.com/guides): USD and EUR accounts, stablecoins and the details that help your company pay and get paid.
- [Receiving USD and EUR payments for your company — Holyheld](https://holyheld.com/raw/guides/receiving-usd-eur-business-payments.md): A practical guide to account details, payment routes, invoice references and reconciliation for companies receiving USD and EUR.
- [Moving between stablecoins and bank payments — Holyheld](https://holyheld.com/raw/guides/stablecoins-and-bank-payments.md): A business guide to on-ramp and off-ramp payments: direction, asset and network checks, conversion, delivery and reconciliation.

## Pricing

- [Business pricing](https://holyheld.com/pricing): CHF 50 a month or CHF 500 a year (2 months free), excl. VAT. ACH and SEPA at $0, wires $10 in or out; accounts, analytics and a dedicated concierge included. On-ramp and off-ramp transfers 0.5%.
- [Individual pricing](https://holyheld.com/pricing/individual): CHF 0 a year, by invitation. Outgoing SEPA €1 and ACH $1 per transfer, wires $20 in or out; on-ramp 1%, off-ramp 1%.

## Free tools

- [IBAN calculator](https://holyheld.com/iban-calculator): Build and check an IBAN for any of 41 countries from local account details, in the browser, with no account. The per-country format, check digits and a worked example; one page per country, e.g. /iban-calculator/germany.

## Answers

- [FAQ](https://holyheld.com/faq): What Holyheld costs, which rails it runs, invoicing, accounting and user roles.
- [Skill file for AI agents](https://holyheld.com/skill): Balance, card details and top-ups over token-authenticated endpoints.

## Case studies

- [Case studies](https://holyheld.com/case-studies): Documented integrations and practical network overviews. Understand the roles of assets, protocols and payment services.
- [SKALE and the cost of an onchain payment — Holyheld](https://holyheld.com/raw/case-studies/skale.md): Separate network gas from conversion and bank-payment costs.
- [Solana payments: from transaction to receipt — Holyheld](https://holyheld.com/raw/case-studies/solana.md): Understand the blockchain transaction and the separate fiat-payment stages.
- [Starknet and Holyheld’s payment connection — Holyheld](https://holyheld.com/raw/case-studies/starknet.md): A documented ecosystem listing and the steps from an onchain asset to a payment.
- [Plasma’s role in stablecoin payments — Holyheld](https://holyheld.com/raw/case-studies/plasma.md): A stablecoin-focused network and the payment stages around it.
- [USD₮ payments: specify the asset and network — Holyheld](https://holyheld.com/raw/case-studies/tether.md): Why a stablecoin ticker alone is not a complete payment instruction.
- [Arbitrum confirmations and business payments — Holyheld](https://holyheld.com/raw/case-studies/arbitrum.md): Distinguish a network confirmation from conversion and bank delivery.
- [Aave positions and payment liquidity — Holyheld](https://holyheld.com/raw/case-studies/aave.md): Understand the protocol position before planning a payment from digital assets.
- [Curve and Holyheld: connecting scrvUSD to payments — Holyheld](https://holyheld.com/raw/case-studies/curve.md): A documented integration between an onchain asset and card spending.

## Company and legal

- [GitHub](https://github.com/holyheld): Holyheld's open-source repositories.
- [Legal index](https://holyheld.com/legal): Every published policy in one place.
- [Terms and conditions](https://holyheld.com/raw/legal/terms-and-conditions.md): The terms governing use of the website, accounts and services. Updated 1 July 2026.
- [Privacy policy](https://holyheld.com/raw/legal/privacy-policy.md): What personal data is collected, how it is used and stored, and the rights you hold over it. Updated 1 July 2026.
- [AML policy](https://holyheld.com/raw/legal/aml-policy.md): Holyheld's anti-money-laundering and know-your-customer policy, and the Swiss obligations behind it. Updated 1 July 2026.

## Optional

- [Everything as one file](https://holyheld.com/llms-full.txt): The product pages, guides and case studies as one markdown file. The legal texts are linked from it rather than inlined. Use the links above when only one page is needed.

## Notes

- Membership prices are Swiss francs excluding VAT, per month or per year; transfer fees are quoted in the currency of the rail.
- Case studies distinguish documented integrations, network or protocol overviews, and illustrative workflows.
- Legal texts are linked rather than inlined in llms-full.txt; fetch the one you need.