How it works

How HEVN moves money

HEVN connects bank and stablecoin rails. Money can enter as fiat or USDC, settle through HEVN, and leave as fiat to a business bank account.

Customer wallet
USDC → fiat via HEVN
Your business bank

01 · Accept stablecoins, receive fiat

Your customer pays in USDC. HEVN checks the payment, converts it, and sends fiat to your business bank account.

  • The customer sends USDC to your approved HEVN account.
  • HEVN verifies the payer and converts USDC into the payout currency.
  • Fiat reaches your bank by local rail or SWIFT. Bank timelines apply to the final leg.
  • Use it for: Customers who prefer stablecoins when your business needs to receive fiat.
Sender bank
Fiat → USDC → fiat
Recipient bank

02 · Move fiat through stablecoin rails

Fiat enters from one bank, moves as USDC through HEVN, and exits as fiat to another bank.

  • The sender funds the transfer from a business bank account.
  • HEVN converts the funds and settles the cross-border leg in USDC.
  • HEVN converts back to fiat and pays the recipient by local rail or SWIFT.
  • Use it for: Cross-border supplier payments and routes with slow correspondent settlement.
Your company bank
HEVN → HEVN
Recipient bank

03 · Pay another HEVN business

Funds settle between two verified HEVN companies before the recipient withdraws to its bank.

  • Your company funds its HEVN account by bank transfer or stablecoin.
  • Payment settles between the two verified HEVN accounts instantly.
  • The recipient converts and withdraws fiat by local rail or SWIFT.
  • Use it for: Supplier payments where both companies use HEVN.
Your company bank
Fund → convert → payout
Your local bank

04 · Move money between your own accounts

Fund HEVN from one company account, convert if needed, and withdraw to another account owned by the same company.

  • The source, HEVN, and destination accounts must have the same legal owner.
  • HEVN verifies account ownership and source of funds.
  • You choose the payout currency and available bank rail.
  • Use it for: Treasury moves, local account funding, and moving liquidity between markets.
APAC bank
SWIFT → US account → SWIFT
European bank

05 · Use a US account as a SWIFT jump

Receive an APAC payment into your HEVN USD account at a US banking partner, then send the onward transfer to Europe.

  • Open a HEVN USD account with a US banking partner.
  • Receive the APAC payment into that account and complete any required bank checks.
  • On supported routes, observed timing can fall from about five business days to about 1.5. Actual bank and compliance timelines vary.
  • Use it for: APAC-to-Europe payments where a direct correspondent route is slow.

One platform for every leg

Accept stablecoins

Receive USDC or USDT, match it to the payer, and convert it to fiat.

Pay out in fiat

Send converted funds to a business bank account by local rail or SWIFT.

Receive in your company name

Use named virtual accounts for fiat collections and withdrawals.

Control who can move money

Assign roles, require approval, and protect sensitive actions. Every payment is linked to a user and timestamp.

Passkeys

Sign in without a reusable password

2FA

Confirm sensitive actions with a second check

Role-based access

Choose who can prepare, approve, and send

Choose the right payment route

Tell us where the money starts, where it needs to go, and who owns each account. We’ll show the available route and documents.