Everything about HOLD,
in plain English.

HOLD is one account for people who earn in one country and live in another. It does four things: payments (get paid and send money), savings (your balance earns interest), investing (one portfolio with your cost basis) and benefits (points, stays and eSIM data). The money is held in stablecoins and the keys stay on your phone, so it is your account in the literal sense — we cannot move or freeze it.

You move any part of your balance into Savings and it starts earning that day. The money is supplied to Aave, an on-chain lending market, on Base and Polygon — it is not lent to us and it does not sit on our books. Interest accrues to your Savings balance. We keep a share of the interest, never a cut of the balance itself, and the exact share is published on our Savings page.

No. There is no lock-up, no notice period and no minimum. You can withdraw the whole balance whenever you want. Every withdrawal is signed on your own device, which is also why we cannot withdraw it for you.

Everything you hold that is not a dollar appears in one portfolio, with live prices, what you paid for it and your profit and loss per position. You can buy and rebalance from your balance without opening an exchange account or transferring anything out. Stablecoins are deliberately excluded — dollars are cash on the payments side, not a position.

HiPoints are earned inside the app: referrals that activate, challenges, and fees you would otherwise have paid. They are spent on things that cost real money — a hotel booking made in the app, or your Pro subscription. A point is worth the same wherever you spend it; we do not vary the rate by product.

Yes. Stays lets you search and book real hotel inventory inside the app and pay straight from your balance, and you earn HiPoints on the booking. See the Stays page for what we keep on a booking and how the price is set.

No. HOLD is non-custodial. Your account is generated on your own device from a recovery phrase that stays on your device, and a transaction can only be signed there, by you. We cannot move, spend or freeze your funds. So that you are not locked out if you lose your phone, we also keep an encrypted backup of your recovery phrase that you can restore by signing in — Section 5.1 of our Terms explains exactly how that works, what it means, and how to have it deleted.

Free is $0/month. On the first $500 you convert each month we cover the network fee for you, up to $0.10 per conversion — if the network is congested and the real cost is higher, you pay only the excess. Above $500/month, 0.50% all-in on the excess. Pro is $9.99/month: the network fee is covered with no monthly cap and there is no markup at any volume. Both plans have a $2 minimum conversion. Savings and Benefits are on both plans.

Solana, Polygon, Base and Ethereum — but you never pick one. HOLD works out the route. Savings runs on Base and Polygon.

Every network charges a fee to move money across it. On Solana we pay that fee for you through a relayer; on the other chains we cover it when your own native balance is too low to. In practice you never have to hold SOL, MATIC or ETH just to be able to move your own money, and there is nothing to top up.

No KYC to open the account, hold money, send, save or invest. It is only required for the optional virtual USD account (IBAN/SWIFT), because that is a regulated banking rail and the bank behind it has to know who you are.

Yes. Income Rails gives you a virtual USD account with IBAN and SWIFT details in your name. Your employer or client wires USD the ordinary way; it lands in your balance in minutes, ready to spend, save or invest.

HUSD is HOLD's native stablecoin, designed for people who earn in one country and live in another. Launching in 2027. Newsletter subscribers and Pro users get priority access.

An AI conversational layer is coming soon. Users will be able to ask in plain language — "send 200 to Lucía," "split my paycheck 60/30/10," "move savings to the highest yield" — and HOLD will execute. The AI proposes, the user signs every transaction. Self-custody is preserved.

Revolut and Wise hold your money and can freeze your account; Coinbase is an exchange that does the same. In HOLD the money is yours in the literal sense — the key is on your phone, so there is no country lockout and no account to freeze. It also does more in one place: getting paid, earning interest, holding a portfolio and spending points all sit behind the same balance instead of four apps.

Yes. HOLD is non-custodial and works in 80+ countries. Early traction is strongest in LATAM, SEA, Africa and Eastern Europe — anywhere the remote-income-to-local-spend gap is painful.

Yes. HOLD is live on both the App Store and Google Play. Set up takes about 30 seconds on either platform.

Pockets let you split one balance into labelled buckets — Travel, Rent, whatever your month looks like — without juggling several accounts. Free includes 3 pockets; Pro includes unlimited.

Nobody but you. On Pro, each payment you receive arrives at a freshly derived address, so a client who paid you once cannot go back and watch what you earned afterwards, and no one can add your income up into a single figure. You see one balance and one clean list. You can reveal it selectively when you actually need to — taxes, an audit, your own records. Automatic address rotation is a Pro feature; a Free account receives at a single address.

Yes. Paying a HOLD @username takes seconds — no address to copy, no network to pick, and five seconds to cancel if you picked the wrong person.

Never. Your funds live on-chain and move only when you sign from your device. HOLD has no admin key, no freeze function, and no claim on your balance.