US Accountfor global business
Open a US Account for your company through HEVN, keep USD with a regulated sponsor bank, use Fedwire and SWIFT, and connect bank custody directly to Global USD.
Keep USD with a US sponsor bank
After sponsor-bank approval, your company receives US Account details in its name. Use the account for USD custody, collections, treasury, and payments involving US counterparties.
- Hold eligible USD deposits at the sponsor bank, where FDIC insurance may apply subject to applicable conditions and limits
- Receive a confirmation letter issued by US sponsor bank
- Send and receive payments with US counterparties from an account opened for your company
Target T+1 settlement on eligible SWIFT payments
90%+ SWIFT payments settle by the next business day.*
- Send eligible SWIFT payments with a next-business-day settlement target
- Track each payment with its UETR and access the MT103 confirmation
- Use Fedwire for domestic USD payments and SWIFT for supported international routes
*Actual timing depends on US banking days, rail schedules, partner cut-offs, intermediary banks, and compliance reviews.
Connect bank custody to Global USD
Keep funds with the sponsor bank, and move USD to Global USD when you need more options for international payments.
- Process international payments through Global USD, supported local rails, and supported stablecoins
- Instantly move funds between the sponsor-bank account* and Global USD
What the US Account adds
US bank custody
Keep eligible deposits with a regulated US sponsor bank and use an account opened for your company.
SWIFT and Fedwire access
Send supported domestic and international USD payments with the references and evidence finance teams expect.
Bank Confirmation Letter
Receive a confirmation letter issued by US sponsor bank.
Use the US Account when a counterparty or treasury policy requires a bank transfer or bank-issued documentation. Use Global USD when funds need to move between HEVN users or be paid out through supported local rails or stablecoin networks.
| Feature | Regional bank | US Account (HEVN) | Global USD (HEVN) |
|---|---|---|---|
| Custody infrastructure | Bank | U.S. banking partner | Privy (a Stripe company) |
| FDIC insurance | No | May apply to eligible deposits | No |
| Availability | Local business hours | US business hours (EST) | 24/7 |
| Banking Rails | One bank | ||
| Supported Currencies | One currency | USD | USD, EUR, AED, CNY, ... |
| Transfer fees | Custom | From 0.03% | From 0.10% |
| FX fees | 2–4% | USD only | 0.03–0.30% |
| Minimum monthly commitment | Custom | $100k+ monthly volume | $0 |
| Setup fee | Custom | Volume-based | From $29 |
| Bank confirmation letter | Issued by local bank | Issued by U.S. banking partner | Issued by HEVN |
| Setup time | Up to 4 weeks | 7–14 business days | 3–7 business days |
Review your US banking requirements
Tell us where your company is registered, who pays you, and which rails and documents you need. Our account manager will assess the account structure with you.
Questions before you move money
Book a call
Seamless international settlements in seconds using our global rail network.