Holyheld
- Company typePrivate
- Founded2020
- HeadquartersVilnius, Lithuania
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
Holyheld firmographics
Firmographics- Name
- Holyheld
- Legal name
- Holyheld Digital Limited
- Website
- https://holyheld.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Holyheld industry classification
Industry- Product category
- Crypto Payments
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
- akta.pro secondary industries
- On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Wallet Connectivity & Session Protocols (WalletConnect, deep links, QR, auth sessions) (FSAPACAF)
Keywords
Where Holyheld is headquartered
LocationHeadquarters
- HQ city
- Vilnius
- HQ country
- Lithuania
- HQ region
- Europe
Offices2 records
Markets served
Holyheld business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Card Issuance Fees: Holyheld charges fees for issuing physical and virtual debit cards. Card types include Classic (€29), Limited Edition Virtual (€99), and Metal (€199). Additional fees apply for card reissuance.
- Transaction Fees: Holyheld earns revenue from various transaction fees including ATM withdrawal fees (€1 domestic, 2.5% + €2 international), card payment fees for international transactions (2.5% + €1), and decline fees. Domestic card payments are free for first 100 transactions per month, then €0.50 per transaction.
- Crypto-Fiat Exchange Spread: Holyheld facilitates crypto-to-fiat exchange services. USDC is the primary supported crypto-asset for exchange. The company buys crypto from and sells crypto to users directly, earning revenue through the spread between exchange rates.
- Dormant Account Fees: Monthly maintenance fees applied to non-active cards (€1/month after 4 months of inactivity) and dormant IBAN accounts (€1/month after 5 months of inactivity)
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Classic Card - €29 one-time issuance fee with 0.5% cashback |
| One time/ perpetual license | Pay-as-you-go | Limited Edition Virtual Card - €99 one-time issuance fee with 0.5% cashback |
| One time/ perpetual license | Pay-as-you-go | Metal Card - €199 one-time issuance fee with 1% cashback |
| Freemium | Pay-as-you-go | Free Account and Core Services |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Holyheld product offering
Product offeringCore offering
Holyheld operates a non-custodial crypto-to-fiat payments platform offering a Mastercard debit card that bridges onchain wallets to the real world. Users connect their own non-custodial wallets, complete KYC, and order virtual or physical cards (Classic, Limited Edition Virtual, Metal) to spend crypto at any Mastercard-accepting merchant, withdraw from ATMs, and send/receive SEPA transfers via personal IBAN. The platform supports omnichain operations across 23+ blockchain networks and integrates with 100+ crypto protocols via its proprietary BRRR Protocol.
Product overview
Holyheld is a non-custodial crypto payments platform offering a crypto debit card as its primary product. The platform consists of the Holyheld App (mobile and web), the Holyheld Crypto Debit Card (available in Classic, Limited Edition, and Metal tiers), the BRRR Protocol for blockchain-to-payment integration, and the $holytag identifier system. Additional features include cashback rewards (up to 1% in USDC), SEPA transfer services with personal IBAN, and a Starknet collaboration program. The Holyheld SDK enables third-party protocols and wallets to integrate on/off ramp functionality. The platform connects to over 40 non-custodial wallets and supports 24 blockchain networks including Ethereum, Solana, Starknet, and various L2 solutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Holyheld Crypto Debit Card A non-custodial Mastercard debit card that bridges onchain wallets to real-world spending, available in Classic (€29 issuance), Limited Edition Virtual (€99 issuance), and Metal (€199 issuance) tiers. Targets AI builders, protocol teams, DeFi traders, and crypto earners across 30 EEA countries.
- Holyheld App Mobile and web application providing the user interface for card management, wallet connection, crypto-to-fiat conversion, SEPA transfers, cashback claims, and account administration for individual crypto users.
- BRRR Protocol Blockchain Reconciliation and Remittance Record (BRRR) protocol connecting blockchain networks and traditional payment systems for real-time transactions, supporting reconciliation and remittance records across 100+ crypto protocols and 15 blockchain networks.
- Holyheld SDK Developer toolkit enabling protocols and wallets to integrate On- and Offramp (fiat-to-crypto and crypto-to-fiat) functionalities into their own platforms, with documentation at docs.brrr.network.
Quantifiable outcome
- Earn up to 1% cashback in USDC on every card purchase
- +3 more outcomes
Companies that use Holyheld
Customer profileSegments2 records
Ideal customer profiles1 record
Holyheld technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration20 records
Feature6 records
Holyheld partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- UnlimitcoreUnlimit (company number HE 328641, registered in Cyprus) is Holyheld's e-money services partner that issues the Holyheld debit card. Unlimit is licensed and regulated by the Central Bank of Cyprus as an Electronic Money Institution (license number 115.1.3.7). They provide the card infrastructure, e-money account services, and banking integrations including personal IBAN.
- SumsubcoreSumsub is an identity verification partner used by Holyheld for KYC/AML compliance. They use a combination of government records and publicly available information to verify user identity.
- IdenfycoreIdenfy is an identity verification provider that Holyheld uses for KYC/AML compliance purposes, helping verify user identities in accordance with applicable law.
- StarknetcoreStarknet collaborated with Holyheld on a cashback rewards program where users can earn STRK token rewards (up to 150 USD equivalent per month) for specific actions including ordering a card, spending on the card, and paying fees. The campaign has concluded but rewards remain claimable.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Holyheld competitors and assessment
Company assessmentDirect peers
- Gnosis Pay: Self-custody crypto debit card built on Gnosis Chain, enabling users to spend stablecoins directly from their own wallets. Closest comparable to Holyheld on the non-custodial crypto card thesis, though narrower in chain coverage.
- Wirex: Crypto debit card platform supporting 60+ cryptocurrencies and Mastercard acceptance across multiple regions. Direct competitor to Holyheld in the EU crypto card segment, though operates on a hybrid custodial model.
Broad incumbents
- Crypto.com: One of the largest crypto debit card issuers globally with Visa/Mastercard cards, broad exchange, and staking products. Dominant incumbent that Holyheld competes against for crypto card wallet share, especially in Europe.
- Bybit Card: Mastercard-backed crypto debit card from major exchange Bybit, available in select European markets. Competes with Holyheld for crypto-native users who want to spend exchange-held assets.
- Coinbase Card: US-based crypto debit card linked to Coinbase accounts, operating primarily in the US and parts of Europe. Larger, custodial alternative to Holyheld with similar spending-rails use case.
- Binance Card: Visa crypto debit card from Binance exchange, available in select European countries via licensed partners. Major direct competitor in EU for crypto card spend volume.
- Revolut: UK/EU digital bank with crypto buy/sell features and card products. Much broader incumbent serving EU residents with banking + crypto in one app, competing for the same user wallet.
Emerging players
- 1inch Card: Crypto debit card from the 1inch DeFi aggregator ecosystem, focusing on self-custody spending. Comparable in non-custodial positioning and DeFi-native audience overlap with Holyheld.
- Paycrypt: European crypto on/off-ramp and card provider focused on emerging markets and EU corridors. Comparable as a smaller crypto card platform operating in the EU regulatory space.
Others
- Alchemy Pay: Crypto payment gateway providing on/off-ramp infrastructure for merchants and wallets. Comparable as infrastructure-layer B2B player in the same crypto-fiat bridge category as Holyheld's BRRR protocol.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Holyheld social profiles
Digital presenceHolyheld compliance and trust
Trust signalCompliance4 records
Holyheld financial estimates
Financial estimateRevenue estimate
Valuation estimate
Holyheld leadership team
Management profileNumber of profiles
Holyheld funding detail
Funding detailFunding overview
Funding rounds1 record
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Holyheld M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Holyheld
What does Holyheld do?
Holyheld operates a non-custodial crypto-to-fiat payments platform offering a Mastercard debit card that bridges onchain wallets to the real world. Users connect their own non-custodial wallets, complete KYC, and order virtual or physical cards (Classic, Limited Edition Virtual, Metal) to spend crypto at any Mastercard-accepting merchant, withdraw from ATMs, and send/receive SEPA transfers via personal IBAN. The platform supports omnichain operations across 23+ blockchain networks and integrates with 100+ crypto protocols via its proprietary BRRR Protocol.
Is Holyheld a public or private company?
Holyheld is a private company. It is classified as venture growth investor backed and is currently operating.
When was Holyheld founded?
Holyheld was founded in 2020. It employs 1 to 10 people.
Where is Holyheld based?
Holyheld is headquartered in Vilnius, Lithuania, in the Europe region.
How does Holyheld make money?
Four revenue lines are on record. Card Issuance Fees are the primary driver. The others are transaction Fees, crypto-Fiat Exchange Spread and dormant Account Fees.
Who are Holyheld's main competitors?
Direct peers on record are Gnosis Pay and Wirex. Broad incumbents are Crypto.com, Bybit Card, Coinbase Card, Binance Card and Revolut. Emerging players are 1inch Card and Paycrypt. Alchemy Pay is listed as an others.
Does Holyheld have an API?
Yes. Holyheld offers a comprehensive SDK to integrate On- and Offramp functionalities into protocols or wallets. The SDK enables developers to integrate fiat-to-crypto and crypto-to-fiat conversion features into their applications. Developer documentation is at docs.brrr.network/sdk/introduction.
What industry is Holyheld in?
Holyheld's product category is Crypto Payments. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms, with a secondary code of FSADAIAE, On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks. Its NAICS code is 52232 and its SIC code is 6200.