Holders Business
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Business money, held by you.

Holders Business is the technology: your own account under your own key, an instruction and approval flow, and a clean record of every move. Accounts, payments and EUR, GBP and USD conversion are provided through licensed partners. Terms are agreed individually — there is no rate card and no application form.

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  • 3Currencies: EUR, GBP, USD
  • 1Documented exchange behind every settlement
  • NoneClient funds held by Holders

Discretion, capacity and a relationship

Most of what we do exists elsewhere as a product with a signup page. We are not that. We keep a deliberately small client list, we know the people in it, and anything unusual reaches a named contact rather than a ticket queue.

What makes that possible is a clear division of work. Holders builds and runs the technology — the account under your key, the instruction flow, the records. Licensed partners provide the services behind it: accounts, payments and conversion. You deal with one point of contact for all of it.

Non-custodial by design

Your funds stay in your own account, under your own key, until you spend them or instruct them away. Holders is the technology, not the holder.

Full transparency, once

Conversion is disclosed and agreed at the outset, not renegotiated per transaction and not discovered in a statement.

A relationship, not a rate card

Terms, limits and structuring are set individually after verification. That is slower to begin and better to live with.

Four service lines, extended individually

Structured around the client, not retrofitted to them. Holders provides the technology; the account, payment and conversion services in each line are provided through licensed partners. None of them is self-service, none begins before onboarding is complete, and none has a published rate card.

Exchange & payments

Conversion and settlement sized for meaningful volume, arranged with a named contact rather than routed through a generic interface.

Third-party payments — invoices, payroll, supplier payments — are executed by licensed partners on your documented, approved instruction. Holders carries the instruction, the approval and the record, with originator and beneficiary details kept throughout.

Fiat ↔ crypto exchange

Conversion sized for real volume, provided by licensed partners at terms agreed with the relationship rather than quoted per click.

Instructed third-party payments

You instruct and approve in Holders; licensed partners execute. Originator and beneficiary records stay with every instruction.

Structured, documented settlement

Every flow is documented end to end, with reconciliation and audit trails available to you and your banking partners on request.

EUR, GBP & USD settlement

Not simply an introduction to a bank. Conversion settles in the currency you bank in, to an account in your own name provided through licensed partners — with one documented exchange behind every amount.

One exchange, one audit trail

Every fiat amount you receive traces to a single, fully documented exchange transaction — a clear audit trail for your banking partner to review.

Settled in the currency you bank in

Settlement goes to an account in your own name. Holders documents the flow; it is not a place your money sits on the way.

The rails, not just a relationship

An introduction to a bank leaves the hardest question unanswered: where did this money come from? When every conversion is a single documented exchange tied to your instruction, that question has one answer on the record.

Settlement
To an account in your name
Currencies
EUR · GBP · USD
Exchange & settlement
Via licensed partners

Business suite

The same relationship, structured around a company: corporate cards and accounts provided through licensed partners, multiple authorised users and sub-accounts, bulk disbursement and payroll, on the same point of contact.

Multi-user & sub-accounts

Multiple authorised users and sub-accounts, suited to teams, treasuries and multi-entity structures.

Bulk payments & payroll

Instructed bulk disbursement — supplier payments, contractor settlements, payroll runs — executed by licensed partners.

Dedicated banking access

The same EUR, GBP and USD rails, provided through licensed partners, on the same point of contact as the personal relationship.

Post.Cash digital cheques

Send crypto as a digital cheque: the familiarity of a paper instrument, settled with blockchain finality. A serial, a settlement currency and network, and a claim code redeemable once — then stamped paid on-chain. Solana, Ethereum and Tron.

Reimagined cheque issuance

Issue and send crypto as digital cheques across Solana, Ethereum and Tron.

Multi-chain support

Settle natively across three chains, without requiring the recipient to already hold a wallet on the issuing chain.

A familiar instrument, on-chain

Issue, send, redeem — with the settlement finality and transparency of blockchain rails.

Built for exchange offices

Exchange desks, online or at the counter, issue a cheque as the final step of an already-verified transaction — an auditable alternative to a cash payout.

Paid in crypto, banked in your currency

A merchant who accepts crypto ends up holding an asset they did not set out to own, acquired in the ordinary course of trading. The question is not how to store it. It is how to turn it back into the currency the business actually runs on, with a record good enough for the accountant and the bank.

  1. The sale

    Your customer pays in crypto against your invoice, at the price you set in your own currency. The receipt is revenue from your economic activity, tied to an order reference — not a transfer from an unexplained wallet.

  2. The receipt

    What arrives is matched to the sale that produced it and screened before it counts as settled. The origin of the funds is established at the moment they land, rather than reconstructed months later when someone asks.

  3. The delegation

    You instruct the conversion. That instruction is a standing one for the flow, not a decision you make per transaction — you are running a business, not a trading desk, and the mandate says so in writing.

  4. The settlement

    A licensed partner converts in one documented exchange and settles EUR, GBP or USD straight to your own account. One transaction stands behind every fiat amount you receive, and none of it rests with Holders on the way.

Why it is bankable

The source of funds is your business

Crypto received as sales revenue, against invoices, from identified counterparties, is a documented origin. That is the difference between a conversion a banking partner can accept and one they will not.

Converted on your instruction

Delegated, not discretionary. Conversion follows the mandate you signed, at the rate agreed for the day. Nobody takes a position on your behalf or decides when your revenue gets sold.

You keep pricing in your own currency

The asset exists between receipt and conversion and no longer. You are not asked to carry a currency you never chose, and the figure you invoiced is the figure you are settled.

One chain, sale to bank

The invoice, the receipt, the screening decision, the conversion and the settlement are entries in the same book. Your accountant and your bank read the same story.

Same onboarding, no shortcuts

You remain the owner of the funds throughout. Where you ask for a third party to be paid out of the proceeds — a supplier, a contractor, a payroll run — a licensed partner executes it on your documented instruction, with originator and beneficiary records kept.

Onboarding is the same as for any other client: full verification of the entity and its beneficial owners, documented source of funds, and screening at onboarding and on an ongoing basis. A merchant flow is not a lighter category of relationship.

Suited to

Online sellers
Crypto at checkout
Import & export
Cross-border invoicing
Services & agencies
Invoiced in crypto
Gaming & digital goods
High volume, small tickets
Settles in
EUR · GBP · USD

Where the size warrants it, conversion is quoted directly.

One relationship, four steps

Every fiat amount you receive traces back to a single documented exchange. That is what a banking partner asks to see, and it is what the product is built to record.

  1. Onboarding & verification

    Full identity verification, source of funds above set thresholds, and screening against sanctions and PEP lists. Most clear within days.

  2. Your account, your key

    The account is opened in your name through a licensed partner and controlled by your key in Holders. Only you can move it.

  3. Documented exchange

    Fiat and crypto convert in one documented, traceable transaction with a licensed partner — not through a chain of intermediaries.

  4. Instructed payments

    Transfers, supplier payments and payroll are executed by licensed partners on your approved instruction, out of funds whose origin is already on the record.

How verification works

Every relationship runs on the same discipline: verified identity, documented funds, screened counterparties and continuous transaction monitoring. It is the reason a deliberately small book is a feature rather than a limitation.

Before first use, and on every flow

Applied to each relationship according to its risk profile and jurisdiction. A check that annotates a record afterwards is a report; these decide whether a transaction happens.

  • Verified before first use

    Every client, individual or corporate, completes full identity verification before first use. No exceptions and no provisional access.

  • Source of funds

    Clients document the origin of funds above set thresholds, with enhanced review for higher-risk relationships.

  • PEP & sanctions screening

    Every client and counterparty is screened against PEP, sanctions and watchlist databases — at onboarding and on an ongoing basis.

  • Transaction monitoring

    Every transaction is monitored by licensed partners, including blockchain analytics that flag sanctioned addresses and funds of illicit origin.

Documented end to end

Every instruction you approve carries full originator and beneficiary details. Reconciliation and audit trails are kept for each flow and made available to you, your accountant and your banking partners on request.

A question asked about a transaction two years after it settled is answered by reading the record, not by reconstructing it from logs.

Originator and beneficiary

Kept with every third-party payment instruction.

One exchange per settlement

Each fiat amount settled traces to a single documented conversion — no chain of intermediaries to unpick.

Available on request

Reconciliation and audit trails are produced for you and your banking partners without a special exercise.

Common questions

Does Holders hold client funds?

No. Your funds stay in your own account, under your own key. Holders provides the technology — the account interface, the instruction and approval flow, and the records — and does not take title to, or become the holder of, your funds at any point.

Who provides the conversion?

Licensed partners. Conversion, accounts and payments are provided through them; Holders carries your instruction and keeps the record. Each conversion is a single documented transaction, which is what makes the fiat you receive traceable to one event.

What will you ask for at onboarding?

Full identity verification for the individual or the entity and its beneficial owners; documentation of the source of funds above set thresholds; and screening against sanctions, PEP and watchlist databases. Higher-risk relationships receive enhanced review. Most onboardings clear within days.

Do you decline business?

Yes. A relationship that cannot document where its funds came from is not one we take on at any size.

Why Holders Business

Exchange, payments, banking rails and digital cheque issuance, extended individually to clients who need real capacity and a direct relationship rather than a queue.

That is a deliberate constraint. A house that takes every relationship cannot know any of them, and a limit sized by policy rather than by a person is the wrong limit for almost everybody.

This is a small house. The people a client deals with are the people who answer — not a switchboard in front of them.

  • Infrastructure
  • Reliability
  • Honesty
  • Stability
  • Durability

Full transparency and openness

Conversion is disclosed and agreed once. Nothing about the arrangement is meant to be discovered later.

Non-custodial by design

Your funds stay in your custody. Holders is the technology, not the holder.

Real relationships, not a product

Built for clients who require discretion, capacity and a relationship — not a standardised product.

Every relationship begins with a conversation

Not an application form. Tell us what you need to move, where it has to arrive, and what your advisers need to see. Terms, limits and structuring follow verification. Mail is answered by a person.

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Before you write — we are not a fit for everyone

We take a small number of relationships and decline more than we accept. If you are looking for an instant account, an anonymous rail, or a counterparty who will not ask where funds came from, we are the wrong house — and saying so now saves us both the review.

Introductions and clients

business@holders.io

New relationships and existing ones. One address, read by a person.