DeFi

Paying with crypto in the real world.

I am doing it.
It's my main payment method for 2+ years.

There are other options but my emphasis is on:
- Full control over my funds
- Keeping it cost efficient
- Supporting DeFi builders

Here we go.

1/8

Cash account with debit card and personal IBAN that you control from any self-custody wallet you own.

https://holyheld.com 

The degen part of @liquityprotocol • Views my own • DM’s open

Crypto debit card

You want a card which is self-custodial, meaning you can top it up directly from a web3 wallet.
Any and all CEX wallets are therefore disqualified.

There are quite a few options by now:
- @holyheld 
- monolith
- gnosispay
- Fiat24

2/8

I was a Monolith user for over a year, but as it's being sun-setted an alternative had to be found.

I opted for Holyheld:
- It's cheap 0.25% top up (0.75% - 0.50% cashback)
- Top up on several L2's with any ERC20
- Good mobile app and UX
- Good customer support
- Innovative

3/8

Top up the card

I estimate my monthly expenses and then top up my card from @Rabby_io on ETH mainnet.
This tx costs about $5 at 20 gwei

If I need to add funds, I pull the yield from one of my L2 farms.
Gas cost is <$1 and any ERC20 can be used!

Gassles top up is coming 👀

4/8

Send money to your Bank.

I use this when I need to pay for expenses in my home country.

These txs cost 1 EUR and arrive after 2hrs - 24hrs.
Never had any issues.

If you wire 500 EUR that is an offramp fee of <1%.
0.75% top up + 1 EUR.

5/8

Cash out

The ATM withdrawal fee is EUR 0.90 (domestic) and 1.5%+1.5 UR (abroad). That is in line with neobanks.

If you need to go over the withdrawal limit, you can top up your Revolut card with your Holyheld card at 0 fees.

6/8

While Holyheld might not be the perfect card it is a great fit for my needs.

It seamlessly bridges DeFi and TradFi and brings a lot of convince to my life.

Last but not least, it's built by a small team, which works hard to innovate in the space. And I support that effort.

7/8

You can use the card today!

The KYC process is very fast, mine took <1 hr.
Then just add it to Apple/Google pay.

If you want one as well, you can go to:
• holyheld.com/$bjnpck (my ref link with $10 bonus)
• holyheld.com

8/8