Holyheld

Holyheld is a non-custodial payment platform that bridges on-chain wallets to everyday commerce. Its flagship product is a Mastercard debit card that lets holders spend cryptocurrency directly from self-custody wallets at any point-of-sale terminal or online merchant without depositing funds to an exchange or custodial account first. The platform is incorporated in Switzerland and operates in 30+ European Economic Area countries, with availability for residents across Austria, Belgium, France, Germany, Spain, and other EEA member states.

How It Works

When a cardholder initiates a purchase, Holyheld's infrastructure detects the relevant tokens across the user's connected wallets, executes any required swaps or bridges, and converts the resulting value to euros at the point of authorization — all within a roughly two-second settlement window. This flow is built on BRRR (Blockchain Reconciliation and Remittance Record), a decentralized settlement layer Holyheld developed to handle programmable clearing, cross-chain routing, FX conversion, and reconciliation with card and SEPA rails in a single atomic transaction. Users never need to manually bridge assets or pre-fund a fiat balance.

The non-custodial design is central to Holyheld's proposition. Crypto stays in the user's own wallet until the moment of conversion; Holyheld does not hold private keys or take custody of assets. The card integrates with Apple Pay and Google Pay, and each account includes a personal IBAN that can receive SEPA transfers, enabling users to pay rent or receive salaries directly into the same account.

Solana and Multi-Chain Support

Holyheld supports more than 1,200 tokens across 21+ blockchain networks, with Solana among the natively supported chains. Other supported networks include Ethereum, Arbitrum, Base, Optimism, Polygon, zkSync Era, Avalanche, BNB Smart Chain, Gnosis Chain, StarkNet, and Plume. The platform's omnichain coverage means a cardholder can fund a purchase from SOL or SPL tokens held on Solana as easily as from EVM assets — without bridging to Ethereum or converting to an EVM-native token beforehand.

Card Tiers and Pricing

Holyheld offers three card tiers, each a one-time purchase with no ongoing monthly fee:

• Classic (EUR 29): plastic physical card, 0.5% USDC cashback on all purchases
• Limited Edition (EUR 99): premium virtual card, 0.5% USDC cashback
• Metal (EUR 199): premium metal physical card, 1% USDC cashback

Cashback is paid in USDC and can be claimed on any supported network. The rewards carry no expiration as long as the account remains active and require no token staking.

On the fee side, domestic transactions within the EEA are free for the first 100 per month (EUR 0.50 per transaction thereafter), international transactions outside the EEA carry a 2.5% plus EUR 1 fee, and currency conversion from crypto to fiat carries 0% markup from Holyheld (market spread applies). ATM withdrawals cost EUR 1 within the EEA and 2.5% plus EUR 2 internationally. Spending limits reach EUR 10,000 daily and EUR 250,000 annually.

Business Accounts

In addition to the individual card product, Holyheld offers an invitation-only B2B tier for global companies. The business product is priced at CHF 500 per year and provides multi-entity treasury management, virtual accounts, invoicing, team permissions, and stablecoin payables and receivables. Business accounts support payments in 180+ countries in local currencies or stablecoins, with on-ramp fees of 0.5% and off-ramp fees of 1%. The B2B layer is built on the same BRRR settlement infrastructure as the consumer card.

BRRR Protocol

The BRRR (Blockchain Reconciliation and Remittance Record) protocol functions as the underlying technical layer enabling Holyheld's settlement logic. It operates as a decentralized clearing mechanism that connects blockchain networks to traditional payment infrastructure, handling multi-step operations — asset detection, cross-chain swaps, fiat conversion, card network routing, and SEPA reconciliation — within a single flow. The protocol is available as infrastructure for other fintechs and wallet builders to embed card spending, SEPA transfers, and fiat off-ramp capabilities into their own products.

Backing and Funding

Holyheld has raised capital from a group of investors that includes Toyota Ventures, Polygon (the network), Zee Prime Capital, Moonlanding Ventures, Tomahawk VC, Prismatic Capital, and Kosmos Ventures. A further undisclosed funding round closed in December 2024. The company is headquartered in Zug, Switzerland, with engineering operations in Vilnius, Lithuania.