Question 1

What is HEVN?

Accepted Answer

HEVN is a financial technology platform for global business accounts, payments, contractor operations, invoices, and finance automation. You can operate HEVN through the app, API, CLI, or HEVN Assistant. Explore HEVN.

Question 2

Who is HEVN built for?

Accepted Answer

HEVN is built for companies that receive or send money across borders, manage contractors or vendors, operate several entities, or need both bank and stablecoin settlement rails.

Question 3

Is HEVN a bank?

Accepted Answer

No. HEVN is a technology platform, not a bank, money transmitter, or custodian. Banking, conversion, card, and payment services are provided by regulated partner institutions. Read the Terms of Use.

Question 4

How do I open an account?

Accepted Answer

Create an HEVN account through the HEVN app and submit your company information. HEVN and its partners will review your business, ownership, directors, expected activity, and payment requirements before activating eligible accounts and rails.

Question 5

How long does onboarding take?

Accepted Answer

KYB takes less than a week for most companies. Complex ownership structures, regulated industries, missing documents, or additional compliance checks may take longer.

Question 6

What types of account details can I open?

Accepted Answer

HEVN can provide named business account details across supported ACH, wire, SEPA, UAE, SWIFT, and stablecoin rails. Availability depends on your company, jurisdiction, currency, and intended use.

Question 7

What is a named account?

Accepted Answer

A named account displays your company as the account holder or payment beneficiary. This helps customers and counterparties send money directly to your business rather than to an unrelated third party.

Question 8

What is the difference between a named and pooled account?

Accepted Answer

A named account is assigned to your company. A pooled account uses shared provider infrastructure together with payment instructions or references that identify your transfer. HEVN will show which structure applies before you use a rail.

Question 9

Where is my balance held?

Accepted Answer

Your bank account details are used to deposit fiat into HEVN and withdraw fiat from it. While funds are in HEVN, your balance is held non-custodially as USDC or EURC on the Base network. HEVN does not hold your private keys or have independent access to your digital assets.

Question 10

Can I manage several accounts and entities in one workspace?

Accepted Answer

Yes. HEVN is designed to let teams switch between companies, account details, currencies, and payment rails from one login, subject to onboarding and approval for each entity.

Question 11

Which payment rails does HEVN support?

Accepted Answer

Supported rails include SWIFT, SEPA, ACH, UAE FTS, UK FPS and CHAPS, SPEI, PSE, and PIX, as well as stablecoin settlement and transfers between HEVN accounts. Availability varies by currency, destination, and customer profile. Learn more about crypto-to-fiat settlement.

Question 12

Who can I pay through HEVN?

Accepted Answer

You can use HEVN to pay eligible suppliers, contractors, vendors, employees, and business partners locally or internationally.

Question 13

How long does a payment take?

Accepted Answer

Settlement time depends on the rail, destination, currency, compliance review, and receiving institution. Transfers inside HEVN may settle immediately, while external bank payments follow the selected rail's processing schedule.

Question 14

Can HEVN support high-value payments?

Accepted Answer

Yes. HEVN supports high-value domestic and international payments for eligible business flows, including instant transactions up to $5M and same-day settlement for transactions up to $50M. Availability depends on the route, currency, destination, compliance review, and receiving institution. Before sending a large payment, talk to HEVN to confirm the route, required documents, and approval requirements for your transaction.

Question 15

Can I see fees and the recipient amount before sending?

Accepted Answer

Yes. Where supported, HEVN provides a payment or payout quote before execution so you can review the route, exchange rate, fees, and expected recipient amount.

Question 16

Can payments be automated?

Accepted Answer

Yes. Payments can be prepared through the app, API, CLI, internal tools, or AI-assisted workflows. Limits, permissions, policy checks, and human approvals can remain in place before money moves.

Question 17

Can HEVN convert stablecoins into fiat?

Accepted Answer

Yes. Eligible businesses can convert supported stablecoins into fiat and move the resulting funds through bank rails from the same workspace. Fiat-to-stablecoin conversion is also available for supported flows. Learn more about HEVN's crypto-to-fiat flows.

Question 18

Which stablecoins and networks are supported?

Accepted Answer

HEVN supports deposits from more than 20 networks. Regardless of the deposit token or origin network, final settlement takes place in USDC or EURC on Base. HEVN does not charge an additional fee when you deposit a token other than Base USDC; network and third-party provider fees may still apply.

Question 19

Does HEVN custody my digital assets?

Accepted Answer

No. Digital assets are held in a non-custodial smart-contract wallet. HEVN does not hold your private keys and cannot independently authorize or execute wallet transactions. Read the Terms of Use.

Question 20

How does stablecoin-funded bank settlement work?

Accepted Answer

You request a quote, review the conversion and payout details, approve the transaction, and send the required assets. A regulated conversion partner processes the conversion before the fiat payment is sent through the selected bank rail.

Question 21

Are stablecoin balances protected like bank deposits?

Accepted Answer

No. Stablecoins are digital assets, not bank deposits, and are not covered by FDIC or other government deposit insurance. Read the Terms of Use.

Question 22

How is HEVN priced?

Accepted Answer

Pricing may include platform, account, transaction, card, conversion, and payment-rail fees. The applicable price depends on your account setup, volume, currency, and payment route.

Question 23

What does stablecoin conversion cost?

Accepted Answer

Depositing stablecoins into HEVN is free of charge. Withdrawing through bank rails costs from 0% to 0.75%, depending on your plan and transaction volume. Third-party network or payment-rail fees may still apply where applicable.

Question 24

How is the FX rate determined?

Accepted Answer

HEVN provides the applicable rate as part of the quote before you approve a conversion or payment. The rate may vary by currency pair, amount, provider, and market conditions.

Question 25

How can I get an exact price for my payment flow?

Accepted Answer

Tell HEVN the source currency, destination currency, amount, recipient country, and preferred rail. HEVN can then show the applicable route and available quote before execution.

Question 26

Is HEVN licensed?

Accepted Answer

HEVN is a technology company and does not provide regulated banking or money-transmission services under its own licence. These services are performed by licensed banks, MSBs, and other regulated partners.

Question 27

What compliance checks are required?

Accepted Answer

HEVN and its partners may perform KYC, KYB, beneficial-owner verification, AML monitoring, sanctions screening, source-of-funds checks, and transaction monitoring.

Question 28

How does HEVN protect account access and data?

Accepted Answer

HEVN uses controls including passkeys, two-factor authentication, role-based permissions, encryption in transit and at rest, security assessments, and activity records. Read the Privacy Policy.

Question 29

Are fiat funds FDIC insured?

Accepted Answer

No. HEVN currently stores balances only in non-custodial smart-contract wallets. Digital assets are not bank deposits and are not covered by FDIC or other government deposit insurance. Read the Terms of Use.

Question 30

What happens to my funds if HEVN stops operating?

Accepted Answer

HEVN does not custody your digital assets or control their private keys. Assets in your non-custodial wallet remain under your control.

Question 31

Can I invite my finance or operations team?

Accepted Answer

Yes. You can give authorized team members access to the companies and workflows they need while restricting access to other balances, accounts, or actions.

Question 32

What permissions can I configure?

Accepted Answer

Role-based access can separate who may view balances, prepare payments, request conversions, approve transactions, and execute them.

Question 33

Can HEVN support approval workflows?

Accepted Answer

Yes. Teams can keep preparation and execution separate and require authorized users to review sensitive actions before money moves.

Question 34

Can we manage several legal entities?

Accepted Answer

Yes. HEVN supports multi-entity workflows from one workspace. Each entity is onboarded separately and receives access based on its eligibility and approved payment flows.

Question 35

Can API keys and AI agents have limited authority?

Accepted Answer

Yes. HEVN supports scoped API access, spend limits, activity records, and hybrid approval workflows. Automated tools can prepare operations without receiving unrestricted control over company funds. See the API and CLI documentation.

Question 36

Can I create invoices in HEVN?

Accepted Answer

Yes. You can create itemized invoices manually, through HEVN workflows, or through the API and CLI. See the invoice documentation.

Question 37

Can I upload invoices received from vendors?

Accepted Answer

Yes. Incoming invoice documents can be uploaded and stored as invoice records for review, approval, and payment.

Question 38

Can invoices be generated from contracts?

Accepted Answer

Yes. HEVN can create invoices from contract terms, add billing-period adjustments, and prepare multiple invoices as part of a batch workflow.

Question 39

Can I pay an invoice directly through HEVN?

Accepted Answer

Yes. Once an invoice has been reviewed and approved, it can be connected to a payment workflow and paid through an eligible HEVN balance or payout route.

Question 40

Which records can I download?

Accepted Answer

HEVN supports account statements, transaction receipts, account-confirmation documents, invoice records, contracts, approvals, and transaction histories. Available formats and fields depend on the product and rail. See the developer documentation.

Frequently asked questions

Getting started

Accounts & balances

Payments & settlement

Stablecoin settlement

Pricing & FX

Security, compliance & fund protection

Teams & multi-entity

Invoices, documents & reporting