API for AI Agents Payments is now available.

Withdraw

Native Fiat Currencies

Make stablecoin payments, fund onchain trading protocols, build AI agents purchase flows in fiat.

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

  • %

    Yield via on-chain vaults

  • $320B

    Stablecoin market

  • <30s

    From fiat to on-chain delivery

You get

  • Fiat to on-chain in a single integration

    Multiple fiat rails: SWIFT, SEPA, ACH, WIRE, CHAPS, Visa, Mastercard. No exchange accounts to manage. No per network onramp logic. One API call, multiple destinations.

  • Liquidity without trade-offs

    Enable earning and spending from the same position simultaneously. No redemption queues. No forced exit from yield to access liquidity.

  • Fiat directly into yield-bearing positions

    Build products where "fund account" and "start earning" are the same step. Automate vault adapter logic for deposits and withdrawals.

  • Compliant on-ramp, DeFi destination

    KYC, AML, Travel Rule, and transaction monitoring. Regulated infrastructure that routes into non-custodial DeFi positions. Compliance coverage without custodial architecture.

SETTLING...
Balance
US$ 54,195.78

  • Fiat rail on-ramp

    Convert from SEPA, SWIFT, CHAPS, ACH, WIRE, or cards in real-time or scheduled, depending on the corridor.

  • Direct-to-protocol routing

    Fiat arrives and lands directly into DeFi positions — no intermediate wallet, no manual steps between conversion and deployment.

  • Non-custodial yield

    Funds route into vaults on Sky, AAVE, Morpho, and other protocols — users retain full custody while earning variable APY.

  • Spend-from-yield

    Enable spending directly from yield-bearing positions via cards — no withdrawal step, no redemption queue, no forced exit.

  • Stablecoin payouts

    Pay contractors, vendors, and partners across the world in stablecoins — faster and cheaper than traditional cross-border wires.

  • Multi-asset on-ramp

    Not just stablecoins — fiat converts into any supported token across all available blockchain networks.

  • Multi-chain delivery

    On-ramped funds deliver to Ethereum, Arbitrum, Base, Solana, and 20+ other networks via a single endpoint.

  • All wallets supported

    Compatible with external non-custodial wallets, smart wallets, Privy, and custom custodial setups.

  • Modular flow

    Works with your existing architecture, BaaS agreements, and providers — swap components without rebuilding the stack.

Morpho

Fiat to yield in one step

Read how users can deposit fiat and land directly in Morpho USDC vaults earning variable APY. No token swaps. No bridging. No DeFi interface to navigate.

Read Case Study

Frequently asked questions

Everything you need to know about BRRR.

General

  • BRRR Withdraw moves money out — to crypto, cross-border destinations, or on-chain positions. Fiat enters via SEPA, SWIFT, ACH, or cards and arrives on any of 20+ chains as stablecoins, tokens, or protocol deposits. One integration, any destination.

  • You specify the destination wallet, target token, and amount. Your user approves the conversion, and BRRR handles the fiat-to-crypto exchange, submits the on-chain transaction, and confirms delivery. Fiat sources include SEPA, SWIFT, CHAPS, TARGET2, ACH, and cards. Funds can route directly to a wallet, a protocol, or any on-chain destination — no intermediate steps.

  • Yes. Fiat converts and lands into on-chain protocols in a single flow — no intermediate wallet, no manual steps between conversion and deployment. Your users fund and deploy in one action.

  • 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 across 20+ blockchain networks.

API Related

  • Yes. Your users can hold yield-bearing on-chain positions and spend from them without exiting. Yield continues to accrue while funds remain accessible — no forced withdrawal, no redemption queue.

  • Under 60 seconds from approval to on-chain delivery. Whether the destination is a wallet, a protocol, or a specific position — one flow, one confirmation.

  • BRRR connects to 150+ on-chain protocols spanning lending, staking, liquidity provision, and more. Fiat can route directly into yield-bearing positions as part of the withdrawal flow. The specific yield depends on the protocol and strategy you integrate.

  • 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.