The stablecoin wallet for global earners. Receive your income privately. You control your money. Send to usernames, not long addresses — across every chain, without thinking about gas.
Plugs into the rails the world already uses
One balance. Receive however your client pays. Land as stablecoins.
Stablecoins, sent by username.
Across every chain you use.
Without a single thought about gas.
The wallet for global earners who hold their own keys.
A day · Earn globally · Live locally
07:14 · morning
Your @username, your balance, your accounts. No long addresses, no chains to pick. Just money.
09:32 · midday
USDG into SOL in two taps. Network fee: free. The first $500 of swap volume each month is on us.
13:07 · afternoon
Stablecoins arrive at fresh, unlinkable addresses across Solana, Base and Polygon. You see clean activity. Nobody else does.
50,000+ global earners already on HIHODL
On App Store and Google Play. Set up in 30 seconds.
Built for global earners
Most wallets make you choose: simple or onchain. HIHODL gives you both — fintech-grade UX with full self-custody, gasless rails and on-chain privacy.
Sign in with Face ID or Google. Your private key is split into shards — one on your device, one with us — and reassembled only inside your phone, only to sign your transactions. We never see the full key. We never hold your funds. Non-custodial by design.
Multi-party computation (MPC) + device biometrics. Recover from any device with the same Face ID or Google account.
Every payment you receive lands at a fresh on-chain address. Your client sees a different address each time. Anyone trying to track your income hits a wall — including us.
Stealth address rotation. Each receive is unlinkable on-chain. Reveal selectively when you need to (taxes, audits, your own records).
Pay anyone, any chain. We hide the network. Wrong address? You have five seconds to cancel before it leaves your wallet.
Cross-chain abstraction · Gasless on Solana · 5-second Undo Send.
No SOL in your wallet? Doesn't matter. Solana swaps are gasless by default — we cover the network fee. Up to $500 of swap volume every month, on us.
Powered by Jupiter. Above the cap: real network cost + 0.50%, shown as one combined Network fee. No hidden spread. Pro: always gasless.
Side by side
Your bank
HIHODL
Receiving from abroad
3–5 business days. $25–40 wire fee. FX markup hidden in the rate.
Minutes. Stablecoins land 1:1 with the dollar. Zero fees on receive.
Custody of your money
They hold it. They can freeze it.
You hold it. Private key on your device. We can't touch it.
Moving across borders
Compliance forms. Limits. Calls.
A username. A tap. Done.
Cost to swap
1.5–3% spread, buried in the rate.
First $500/month gas-free. 0.50% above the cap, all-in.
Privacy on chain
Not on chain.
Stealth addresses. Your public handle never exposes your balance.
When you travel
Card declined. App requires home wifi. Support closed.
Same balance. Same app. Same speed. Anywhere.
Built for
If your income lives on the internet and your rent doesn’t, HIHODL was built around your week.
Lucía
Product designerBuenos Aires → Lisbon
Figma · Linear · paid in USDC
“Receives client invoices. Pays rent in EUR.”
Akin
Backend engineerLagos · works for a US fintech
Cursor · Vercel · paid in USD ACH
“Lands USD, holds in stablecoins, cashes out NGN when he chooses.”
Mai
Micro-SaaS founderHo Chi Minh City
Stripe · Polar · revenue in USD
“Stripe pays out monthly. Stablecoins make a treasury possible at $4K MRR.”
Mateo
Creative directorMexico City · clients in NYC and London
Wise · invoices in USD and GBP
“Three currencies, one balance, no spread he can't see.”
Priya
VibecoderBangalore · ships AI products on weekends
Claude · Replicate · revenue in USDC
“Makes money in the same rails her stack runs on.”
Sasha
Remote PMTbilisi · employed by a Berlin scaleup
Deel · Notion · paid in EUR
“Splits the paycheck across rent, savings, and a travel pocket.”
How it works · 30 seconds
No paperwork, no approval queues, no bank visit. Three steps to receive, hold and move your money.
No seed phrase. Your private key is split — half on your phone, half held by us — and reassembled only inside your device, only to sign your transactions.
Receive via virtual USD account (IBAN/SWIFT) for employers and clients, or share your stablecoin address with crypto senders. Either way it lands as stablecoins.
Send to a @username in seconds. Swap stablecoins with zero gas. Split your money across pockets — Travel, Rent, Savings — all from a single balance.
The honest version
Free isn’t a trick. It’s a different business model. We make money on infrastructure, not on the people sitting on it.
01
Power users move more than $500/month and switch to Pro at $9.99. They subsidize the gas for everyone else. Fair trade — Pro gets unlimited.
02
When the HIHODL Card launches, every swipe pays us a small fee from the merchant — not from you. The same way Apple Pay and Revolut work, minus the bank in the middle.
03
HUSD, our coming stablecoin, holds reserves in short-term US Treasuries. The yield on those reserves funds the rails. No yield is taken from your balance.
What we don’t do: sell your data, route your trades through hidden spreads, or lend out your stablecoins behind your back. Self-custody means we couldn’t even if we wanted to.
Two plans. Zero surprises.
No hidden spread. No tier games. Cancel anytime.
Invite 1 friend, get 1 month Pro free. Up to 3 months.
AI layer · coming soon
HIHODL is becoming the first AI-native stablecoin wallet. Ask in plain language — “send 200 USDC to Lucía,” “split my paycheck 60/30/10,” “move savings to the highest yield” — and your wallet does it. Self-custodial, on-chain, signed only by you.
Private keys never leave your device. The AI proposes — you approve every signature.
The first $500 is on us. Every month.
No setup fees. No KYC for basic use. No bank required.
Loved by global earners in 80+ countries
“Finally a wallet that doesn't make me feel like an engineer to receive my paycheck.”
Lucía R.
Designer · Buenos Aires → Lisbon
“My clients pay me in USD. I pay rent in pesos. HIHODL is the bridge I'd been hacking together with three apps.”
Akin O.
Developer · Lagos
“I stopped using my bank for international payments. Zero gas swaps and stablecoin rails save me $40/month in FX alone.”
Maria S.
Writer · Mexico City
We’re building HUSD — the first stablecoin designed for people who earn in one country and live in another. Newsletter subscribers get early access and priority onboarding when we launch in 2027.
Available on App Store and Google Play
Private income. Zero gas. You control your money. Set up in 30 seconds.
Self-custodial. No KYC for basic use. Available worldwide.
