Stablecoin account + Mastercard card
Holyheld combines a self-custody crypto wallet with a separately prefunded EUR Mastercard balance, personal IBAN and SEPA transfers. It offers virtual, physical and metal cards, Apple Pay, Google Pay, 0.5%-1% USDC cashback and no recurring membership fee; one-time card prices range from €29 to €199.
Why it stands out
Main trade-offs
01 · Core economics
Holyheld Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
02 · Plans & rewards
Holyheld Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Lowest current purchase reward rate
Conditional — not the automatic rate
USDC
Unknown caps are not treated as unlimited
Classic Mastercard
Limited Edition Mastercard
Metal Mastercard
03 · Everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
04 · Money in and out
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
1 route
Direct card balance
Supported asset and network combinations
USDC is the confirmed core exchange asset. The exact asset/network pair is selected dynamically in the app. · USDT is named in the integrated top-up scope, but the static asset/network matrix is not published.
1 route
Via provider account
Transfers are expected from accounts in the user's own name; compliance review can reject a transfer.
Incoming EUR transfer: EUR 0
Not publicly confirmed
own name
Funding and settlement cross wallet and provider-controlled account boundaries.
Holyheld supports wallet-to-EUR card top-ups and a personal EUR IBAN.
1 route
Direct card balance
EUR card balance converted to a selected token on an EVM network
A live route quote applies; provider and external network components are dynamic
Not publicly confirmed
The withdrawal route is EVM-only.
1 route
Via provider account
EUR transfer from the Holyheld account balance
Standard SEPA fee not separately published; express SEPA is EUR 1
The public documents confirm outgoing SEPA but do not publish one numeric bank-transfer limit.
05 · Optional product
Holyheld Earn via Morpho adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Variable by asset
06 · Trust and eligibility
See current signup reach, identity checks and the organisations behind the card.
Identity verification is required to access card services.
Country-level card access is not disclosed.
The named organisations and their current roles are listed below.
Provides the product and account experience. Named legal operators appear separately.
Controls settlement until payment.
Hybrid custodyOperates the Holyheld platform and coordinates the connected services.
Jurisdiction: Switzerland · Applies to: Current Holyheld platform and consumer Terms.Issues the Mastercard and provides the partner-held EUR card/e-money balance.
Jurisdiction: Cyprus · Applies to: Current consumer Mastercard programme.Runs identity verification for the applicable programme.
Applies to: Provider examples; the active provider can vary.07 · Methodology
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
Higher is better
Mastercard spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Named programme infrastructure includes Unlimit EU Ltd (issuer) and Mastercard (network).
Holyheld markets the card across 30+ European countries, but no complete card-order allowlist is published. Swiss terms scope and BRRR route coverage are not substitutes; kyc is required.
08 · Evidence
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
09 · Card comparison
A side-by-side look at cards built around stablecoin funding, everyday Mastercard access and money movement.
Crypto stays user-controlled until it is converted into the EUR card balance.
Users control the wallet and can exit independently after a 24–72 hour delay.
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
Help keep this page accurate
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.
