HEVN
Lets non-US internet companies open local business bank accounts in the US, EU, UK and UAE and move money between them via stablecoin rails instead of slow SWIFT wires.
🔗 Visit HEVN
Description
If your company isn't American but you sell to American customers — or you're American but hire and pay people abroad — moving money across borders the traditional way means SWIFT wires that take days, charge opaque fees, and often require you to open a physical bank account in a country you may never visit. HEVN's pitch is to hand you a named local bank account in multiple countries at once, and let you move money between them almost instantly by quietly routing it through stablecoins behind the scenes — while your invoice or bank statement still just shows normal dollars, euros or dirhams.
HEVN is a B2B fintech platform giving internet companies named business accounts across the US, EU, UK, UAE, Latin America and Puerto Rico via partnerships with licensed sponsor banks and EMIs, without requiring a local legal entity. Money enters as fiat (ACH/SEPA/wire) or stablecoin (USDC/USDT), settles internally, and can exit as fiat to any connected account — a stablecoin-rail alternative to SWIFT for speed and cost. It also issues USD business cards, generates invoices/contracts, and offers role-based access with passkey/2FA security; a Y Combinator-backed company.
💬 Our review
The short version: HEVN is aimed squarely at non-US SaaS and internet companies that need to look and operate like a US business without incorporating one, and at anyone tired of SWIFT's multi-day, fee-opaque cross-border wires — if that's your problem, it's a genuinely useful shortcut; if you just need a normal domestic business account, it's overkill.
The competitive set here is Mercury (US-only, no multi-country accounts), Wise Business (strong on FX, weaker on named local accounts and stablecoin rails), and Airwallex (closer in scope, more enterprise-oriented pricing). HEVN's differentiator is using stablecoins as plumbing rather than as a product — you never have to touch crypto directly if you don't want to — which in principle makes settlement between HEVN accounts near-instant. The honest catch: you're trusting a young, YC-backed startup with real operating funds across five jurisdictions, riding on sponsor-bank relationships rather than being a bank itself, and the $25–$89/month tiers plus 0.10–0.75% transaction fees stack up fast at real volume. For an early-stage non-US startup selling into the US, it can remove a genuine blocker; for an established company, the counterparty risk of a newer platform is worth weighing against incumbents.
💰 Pricing
📊 Global score
🤖 AI-enriched data
Basic: $25/month (up to $50k volume, 1 account, 0.75% fees). Pro: $89/month (up to $250k volume, 3 accounts, 0.50% fees, most popular). Enterprise: custom (1M+ volume, unlimited accounts, 0.10–0.20% fees). SWIFT adds a flat $25 fee.
Pros
Named local business accounts in 5+ jurisdictions without a local entity
Stablecoin rails make cross-border settlement fast without you having to handle crypto directly
Single dashboard for ACH, SWIFT, SEPA and UAE/UK local rails
USD business cards and invoice/contract tooling built in
Cons
Young, YC-backed startup — real operating money rides on sponsor-bank partnerships, not its own banking license
Fees (subscription + 0.10–0.75% per transaction, +$25 flat for SWIFT) add up at meaningful volume
Overkill if you only need a single-country domestic business account