Everything about HIHODL,
in plain English.

HIHODL is a non-custodial multichain stablecoin wallet for freelancers and remote workers. You earn in stablecoins, hold the keys, and spend or move your money anywhere — Solana, Polygon, Base or Ethereum.

No. HIHODL is fully self-custodial. Your private key is split via MPC: half on your device, half held by HIHODL. The key is reassembled only inside your device, only to sign your transactions. We cannot move your funds.

Free plan is $0/month with up to $500/month of gas-free swaps; 0.50% all-in network fee above the cap. Pro is $9.99/month with $2,000/month gas-free and 0.15% above the cap. Solana swaps are gasless on both plans. $2 minimum swap.

Solana, Polygon, Base and Ethereum. Solana swaps are always gasless. EVM chains use smart gas detection on Pro.

On Solana, HIHODL pays the network fee on your behalf via a relayer. On EVM chains, HIHODL covers gas when your Main native balance (minus pockets and staked balance) is below the threshold. You never need to hold SOL, MATIC or ETH for gas.

No KYC for basic wallet use. KYC is only required for the optional virtual USD account (IBAN/SWIFT) when receiving fiat from employers or clients.

Yes. Income Rails gives you a virtual USD account with IBAN and SWIFT details. Your employer or client wires USD; it lands in your wallet as stablecoins, ready to spend, swap or save.

HUSD is HIHODL's native stablecoin, designed for people who earn in one country and live in another. Launching in 2027. Newsletter subscribers and Pro users get priority access.

An AI conversational layer is coming soon. Users will be able to ask in plain language — "send 200 USDC to Lucía," "split my paycheck 60/30/10," "move savings to the highest yield" — and HIHODL will execute. The AI proposes, the user signs every transaction. Self-custody is preserved.

Revolut and Wise are custodial fintechs — they hold your money and can freeze your account. Coinbase is a custodial exchange. HIHODL is non-custodial: you hold the keys, no country lockouts, no frozen accounts, and your money moves on stablecoin rails 24/7.

Yes. HIHODL is non-custodial and works in 80+ countries. Early traction is strongest in LATAM, SEA, Africa and Eastern Europe — anywhere the remote-income-to-local-spend gap is painful.

iOS is live on the App Store. Android is in active development and will launch on Google Play soon.

Pockets let you split your single balance into labelled buckets — Travel, Rent, Savings — without juggling multiple wallets. Free plan includes 3 pockets; Pro includes unlimited.

Each incoming payment is routed through a freshly derived address so the public ledger does not link all your income to a single wallet. You see one balance; the chain sees rotating addresses.

Yes. Sending stablecoins to a HIHODL @username takes seconds — no addresses to copy, no chain to pick.

Never. Funds live on-chain, secured by your MPC key share. HIHODL has no admin key, no freeze function, no claim on your balance.