API for AI Agents Payments is now available.

BaaS

Best tools for best infrastructure

Rails for modern neobank service providers to build compliant payment flows.

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Integrated with 150+ stablecoins, protocols, and networks of all sizes

  • $60B

    BaaS market by 2033

  • $10T

    Stablecoin powered transaction

  • $1.5T

    Cross-border friction cost

You get

  • Infrastructure for a multi-rail future

    Your clients already move money across cards, SEPA, and SWIFT. Stablecoins are the next rail. BRRR lets you add it without building from scratch.

  • Production-proven, not a sandbox

    2.5M+ transactions. EUR 750M+ in volume. Audited, open-source smart contracts. Built within established regulatory frameworks. Ship to your clients with confidence.

  • Go live with crypto, not crypto complexity

    Yield, tokenized assets, settlement across 20+ chains and every major stablecoin. One protocol integration. White-label ready. Your clients see your brand, BRRR runs underneath.

  • Start with what you need now. Expand later

    Stablecoin payments today. Yield products next quarter. RWA access when your clients ask for it. Composable by design — no rip-and-replace, no re-integration.

  • Stablecoin powered accounts

    Enable card spending and account functionality backed by stablecoin infrastructure.

  • Compliance integrated

    Operate within established regulatory frameworks without building compliance workflows independently.

  • One key to DeFi and RWAs

    Access decentralized finance and tokenized assets through a single integration pathway.

  • Multi-chain, multi-stablecoin

    Support operations across multiple networks and stablecoin ecosystems simultaneously to improve flexibility and resilience.

Visa

Rails for global card programs

A BRRR-powered crypto fintech Holyheld integrates with global card network Visa at scale, connecting stablecoin based infrastructure to one of the world's largest payment networks in real-time.

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Frequently asked questions

Everything you need to know about BRRR.

General

  • BRRR is a developer infrastructure for programmable payments. It provides APIs and SDKs for building deposit, withdrawal, and orchestration products. Through BRRR, BaaS providers can embed stablecoin-powered cards, accounts, yield, and cross-border settlement into their platforms, white-label ready, one protocol integration.

  • One integration gives your platform access to stablecoin rails, cross-chain settlement, compliance infrastructure, and card network connectivity across 20+ blockchain networks and more than 150+ protocols. Your clients see your brand and your interface, BRRR runs underneath. Offer deposit to USD, EUR, CHF, or GBP; withdrawal to 30,000+ tokens; yield products; and cross-border settlement. Each capability ships as a composable module.

  • BaaS providers that want to offer their clients new revenue-generating products: stablecoin-powered cards and accounts, on-chain yield, cross-border settlement, tokenized asset access, and perpetual trading infrastructure. Your clients already move money across cards and bank wires. BRRR adds the stablecoin rail, so your clients can utilize crypto-native financial products without building the infrastructure themselves.

  • We accept clients from all countries, except US persons, Russian citizens and residents of: Afghanistan, Angola, Bangladesh, Belarus, Burkina Faso, Burundi, Central African Republic, Cuba, Democratic Republic of the Congo, Guinea, Guinea-Bissau, Haiti, Indonesia, Iran, Iraq, Latvia, Lebanon, Libya, Mainland China (Hong Kong and Taiwan accepted), Mali, Myanmar, Nicaragua, Niger, North Korea, Russia, Somalia, Sudan, South Sudan, Syria, Trinidad and Tobago, Venezuela, Yemen, Zimbabwe.

  • BRRR supports 20+ blockchain networks with continuous expansion: EVM networks like Ethereum, Arbitrum, Base, Hyperliquid and others, plus Solana, Starknet, and Tron. Fiat rails include SEPA, SWIFT, CHAPS, and wire transfers.

  • BRRR supports USD, EUR, CHF, and GBP in fiat currencies. All major stablecoins including USDC, USDT, USDE, USDS, and RLUSD; and 30,000+ other tokens. The list is actively expanding.

API Related

  • Yes. Your clients see your brand. BRRR provides the infrastructure layer: cards, IBANs, yield, tokenized assets, cross-border settlement. All composable modules available through the API or SDK. Start with what you need, expand when your clients ask for more.

  • Stablecoin-powered cards and accounts, fiat deposit and withdrawal, DeFi yield products, RWA access, and cross-border settlement at 3–5x lower cost than SWIFT. Each capability is a module, no monolithic integration.

  • BRRR is modular. It works with your existing architecture, BaaS agreements, and providers. Swap components without rebuilding the stack. No rip-and-replace, no re-integration.

  • The SDK @holyheld/sdk and API are designed for rapid integration. Live demo apps are available for reference. The test environment is accessible immediately with the shared test key. A quickstart guide walks through the full flow from the first API call to completed flow.

  • Yes. On the SDK side, the $SDKTEST customer executes real on-chain transactions without triggering any fiat settlement, so you can validate the complete flow safely.

  • Battle-tested. In production for 3+ years across 30+ European countries. Collaboration with Visa on card network integration. Audited, open-source smart contracts.