Holyheld
IBAN + card on your external wallet; gasless.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze.
- The ledger
- The blockchain — no company keeps the authoritative record.
- If it fails
- Nothing on the company side to fail; but lose your keys and the money is gone for good.
Derived from Holyheld’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | web3-native · freelancers & creators |
| HQ | London, UK |
| Founded | 2020 |
| Custody | Self-custodial |
| Regulation type | E-money institution |
| License detail | E-money partners (EU); non-custodial top-ups |
| Card | MC · Virtual + physical |
| Cashback | Up to 1% USDC |
| Stablecoins | Yes |
| KYC | Card only |
| Active regions | Europe |
Verified links: official site ↗
Common questions about Holyheld
What is Holyheld?
Holyheld is a self-custodial, on-chain-first neobank built for freelancers & creators, headquartered in London, UK and founded in 2020. You hold the keys: Holyheld never takes custody of your funds. It is regulated as an e-money institution (E-money partners (EU); non-custodial top-ups).
Does Holyheld have a card, and where can you use it?
It issues a Mastercard virtual and physical card, and identity checks apply to the card but not to the wallet. It is available in Europe.
Does Holyheld require KYC?
Partly. You can use Holyheld itself without verifying your identity, but ordering its card requires KYC.
What does Holyheld cost?
From the verified fields: cashback Up to 1% USDC. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Holyheld before relying on them.
Peers
Phantom · Zengo · MetaMask · Solflare · Rainbow · Xverse
Holyheld appears in
Neobanks authorised as e-money institutions (48) · Neobanks where only the card requires ID (33) · Neobanks available in Europe (144) · Neobanks for freelancers and creators (15) · Neobanks that issue a Mastercard (150) · Neobanks in United Kingdom (29)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.