Holyheld
2.3/10Overall Score
Card Mode
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Card Type
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Mobile Payments
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About the Project
Fees & Rules
Team & Investors
Team 2
Anton MozgovoyCo-founder and CEO
Anton ZagorodnikovCTO
Card Guide
Overview
Holyheld is a European crypto payments company whose card is issued by Cypriot e-money institution Unlimit EU Ltd. (licence 115.1.3.7/2018) on the Mastercard network. It is self-custodial: wallets such as MetaMask, Ledger Live and Trust Wallet connect through WalletConnect, assets stay in the user's wallet until each transaction is authorised, and conversion to euro happens only at payment. A personal IBAN supports SEPA Instant transfers, so it can receive a salary or pay rent.
| Item | Details |
|---|---|
| Formats: | virtual and physical cards with Apple Pay and Google Pay support. |
| Tiers: | Classic, Limited Edition and Metal, with the metal card earning more cashback. |
| Supported assets: | more than 1,200 tokens across 17-plus networks including Ethereum, Polygon, BSC, Avalanche, Optimism, Arbitrum and Fantom. |
| Use cases: | European everyday spending, euro transfers, subscriptions and small foreign-currency payments. |
Benefits
| Item | Details |
|---|---|
| Cashback: | 0.5% on Classic and Limited Edition and 1% on Metal, paid in USDC up to EUR 125 a month. |
| Claiming: | rewards unlock 30 days after the transaction and do not expire. |
| Zero FX in the euro area: | no conversion fee on euro spending within the euro zone. |
| Personal IBAN: | accepts third-party transfers and supports SEPA Instant payouts. |
| Smart contract insurance: | coverage of up to USD 50,000 against contract risk. |
| Wallet support: | MetaMask, Coinbase Wallet, Ledger Live, Trust Wallet, Rainbow and Argent. |
Fees
| Item | Details |
|---|---|
| Issuance: | EUR 29 on Classic, 99 on Limited Edition and 199 on Metal, each a one-time preload credited to the card balance. |
| Monthly fee: | none. |
| Euro spending: | free. |
| FX: | about 3% on non-euro purchases, plus EUR 1 + 2.5% outside the EEA. |
| ATM: | about 2.5%, capped at EUR 1,000 a day. |
| Inactivity: | EUR 1 a month after four to five months without a transaction. |
Availability
| Item | Details |
|---|---|
| Supported: | the 30 countries of the EEA plus the United Kingdom. |
| Not supported: | the United States, mainland China, North Korea and other sanctioned jurisdictions. |
| Onboarding: | KYC with a government document and proof of address, with full verification required for the physical card. |
| Spending limits: | EUR 10,000 a day and EUR 25,000 a month. |
| Cash limits: | EUR 1,000 a day and EUR 5,000 per 30 days. |
| Acceptance: | any Mastercard merchant worldwide, with a EUR 1 + 2.5% charge outside the EEA. |
