Hold multiple currencies
Keep balances in USD, EUR, AED, and more in a single account. Convert only when you decide to.
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Multi-CurrencyBusiness Account
One global business account for companies that operate across borders. Hold, receive, and send money in multiple currencies, with local account details in your company’s own name.
One multi-currency business account, every core money job
Receive like a local
Share named local account details so clients pay you on ACH, SEPA, or UAEFTS instead of costly international wires.
Send worldwide
Pay suppliers, contractors, and partners across ACH, SEPA, SWIFT, UAEFTS, and stablecoin rails from the same account.
Run it your way
Manage your account in the app, API, or CLI, and connect HEVN to finance tools for automation.
Why this beats a traditional bank
Book a callTraditional banks make cross-border companies wait. Onboarding can stall for months, multi-currency support is thin, and FX is marked up on every transfer. A wallet from a consumer fintech can solve part of the problem, but may issue details under the provider’s name.
| Decision point |  |  |  |
|---|---|---|---|
| Account in your company’s own name | Named accounts at partner banks | Mostly shared or virtual details | Global Accounts in your name |
| Built for KYB-hard cross-border SMBs | Yes, this is the core case | Broad, self-serve | Broad, scaling companies |
| Hub-jurisdiction depth | US, EU, UAE, and Swiss partner banks | Limited by region | Strong in APAC, US, and EU |
| Settlement between accounts | Stablecoin rails, near-instant | Bank rails | Bank rails |
HEVN sits between the two. You get named accounts in your company’s own name at regulated partner banks, on local rails, opened in days rather than months.
How your named business account works
Regulated partners
HEVN is a financial technology platform, not a bank. It partners with regulated banks in the US, the EU, and the UAE, and issues account details in your company’s name on top of them. That is the difference between a named account and a pooled wallet: the details you share are yours, on the local rail your counterparty expects.
Cash flow
When money arrives, it lands in the matching currency balance. You can hold it, convert it when the rate suits you, or send it straight out on a local rail. Between supported HEVN accounts, settlement uses stablecoin rails, so money can move in minutes rather than waiting for SWIFT cut-off times.
Trust and protection
Verification is handled as a product, not an afterthought. You open named local accounts in days, then run the account from the app, API, or CLI with a clear audit record for every step.
Frequently asked questions
What is a multi-currency business account?
A multi-currency business account lets a company hold, receive, and send money in several currencies. Instead of opening a separate account in every country, you get local account details on domestic rails and choose when to convert between balances.
Is HEVN a bank?
No. HEVN is a financial technology platform. Accounts are held at regulated partner banks, while HEVN provides the named account details, payment rails, cards, and automation layer.
Can I get a USD account without a US company?
Yes. HEVN is built for cross-border companies that operate in USD without a US entity. Eligible companies can open named accounts with partner banks in the US, EU, and UAE.
Which jurisdictions and rails do you support?
HEVN supports named account details across rails including ACH and wire for USD, SEPA for EUR, UAEFTS for AED, and SWIFT for international payments. Stablecoin settlement is available between supported HEVN accounts. Check the live product for the current list.
How long does it take to open an account?
Named local accounts open in a matter of days once company documents are verified. The exact time depends on your jurisdiction, account type, and paperwork.
How is this different from Wise or Airwallex?
HEVN issues account details in your company’s own name at partner banks and is built for companies that traditional banks are slow to onboard. Wise and Airwallex offer broad currency coverage, while HEVN focuses on named accounts, complex KYB, settlement, and automation.
Are there FX fees?
HEVN positions on low, transparent FX and advertises 0% FX on card spend. See pricing for the current fee model and confirm the spread for your currency pair before signing up.
Who is HEVN built for?
HEVN is built for cross-border companies of roughly 5 to 50 people, registered in the US, UAE, UK, EU, Singapore, or Hong Kong, that pay or get paid abroad and are underserved by traditional banks.
Open your multi-currency business account
Named local accounts, real rails, opened in days. Built for companies that operate across borders.