HolyHeld
Ment Tech Labs partnered with HolyHeld to create a next-generation DeFi card system that allows users to spend crypto seamlessly while maintaining full on-chain custody. The platform merges decentralized finance, digital banking, and instant cashback utilities—offering a user experience that feels native to both Web3 and traditional finance ecosystems.
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HolyHeld is a regulated European FinTech company redefining how crypto users interact with traditional money. The platform empowers users to spend their digital assets directly through a DeFi-powered debit card that connects wallets, exchanges, and fiat payment networks under one ecosystem.
With its focus on usability and financial freedom, HolyHeld allows users to earn real-time cashback in USDC, send SEPA payments, and manage multiple wallets—all without giving up self-custody. The client’s vision was to merge decentralized infrastructure with everyday banking convenience while maintaining compliance with EU financial regulations.
Building a compliant DeFi payment infrastructure that could match the reliability of traditional banking while keeping the spirit of decentralization intact came with multiple complex challenges.
Bridging On-Chain and Off-Chain Systems
The existing setup struggled to synchronize blockchain transactions with fiat payment processors, leading to transaction delays and reconciliation issues.
Regulatory Compliance and KYC Integration
Ensuring full adherence to EU financial and AML regulations without compromising user privacy required a robust compliance workflow and encrypted data handling.
Multi-Network Wallet Compatibility
Users wanted to connect wallets from different chains, but HolyHeld lacked seamless interoperability across Ethereum, Polygon, and other EVM-compatible networks.
High Gas and Transaction Fees
Frequent DeFi interactions created costly and inconsistent fees that made small everyday transactions impractical for users.
Real-Time Cashback and Reward Distribution
Automating cashback in USDC for thousands of concurrent card transactions demanded an optimized backend capable of instant calculations and secure wallet transfers.
UI Complexity in Crypto Payments
Early prototypes felt too technical for mainstream users. HolyHeld needed a simplified interface that felt like a modern banking app while running fully on Web3 rails.
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Ment Tech Labs’ Development Approach
Ment Tech Labs approached HolyHeld with a clear objective i.e. to create a next-generation DeFi card ecosystem that merges the trust of traditional banking with the autonomy of decentralized finance. The project was executed through structured, iterative phases designed to ensure scalability, compliance, and user confidence.
Ment Tech Labs developed a fully integrated DeFi card ecosystem that allows users to spend crypto anywhere while maintaining full custody and earning on-chain rewards. Each module was designed to blend real-world usability with blockchain-native innovation.
Crypto-to-Fiat Conversion Engine
Built a secure bridge between blockchain assets and fiat currencies, enabling instant swaps and seamless spending through HolyHeld’s debit card.
Gasless Transaction Module
Implemented a system allowing users to approve and execute on-chain transactions without paying gas fees, ensuring cost-effective usability for daily payments.
Real-Time Cashback Automation
Developed a high-performance microservice that calculates and distributes USDC cashback within seconds of a transaction confirmation, fully auditable on-chain.
Wallet-Agnostic Integration
Added multi-wallet compatibility, supporting MetaMask, WalletConnect, and passkey-based authentication for mobile and desktop users.
AI-Driven Transaction Security
Integrated a real-time fraud detection layer using AI models to monitor suspicious spending behaviors and flag potential risks.
Compliance and Audit Framework
Designed an automated compliance backend that integrates AML, KYC, and proof-of-funds verification while maintaining HolyHeld’s non-custodial structure.
Modular Smart Contract Architecture
Created audited contracts for payment routing, yield calculation, and token distribution, making the system fully transparent and scalable.
Unified DeFi Dashboard
Delivered a web-based dashboard for tracking spending, cashback, yield, and top-ups: all under a single, user-friendly interface.
Scalable Cloud Infrastructure
Optimized the backend with distributed nodes and global caching layers to handle thousands of concurrent card transactions in real time.
Our clients
The Aurix Exchange platform is a robust digital asset ecosystem that seamlessly integrates trading, payments, and
rewards. Each component is crafted for optimal reliability, scalability, and real-time efficiency.
Instant Crypto-to-Fiat Payments
Users can spend crypto directly through their HolyHeld card, with real-time conversion to fiat at the point of sale.
Virtual and Physical Cards
Instant access to a virtual card for immediate use, followed by delivery of the physical card for global transactions.
Up to 1% Cashback in USDC
Earn cashback rewards instantly on every purchase, claimable directly to the user’s connected wallet.
Gasless On-Chain Transactions
Approve and execute transactions on-chain without paying gas fees, enhancing usability for frequent users.
Apple Pay and Google Pay Integration
Fully compatible with mobile payment systems, allowing seamless contactless payments worldwide.
Full Self-Custody Wallet Control
Users retain full control of their crypto assets through personal wallets, ensuring no third-party custody.
Secure Passkey and Biometric Login
Integrated passkey system with biometric verification for wallet access and card management.
Personal IBAN for SEPA Transfers
Enables users to send and receive payments in euros directly, bridging crypto earnings with everyday banking.
24/7 In-App Live Support
Built-in support system within the app offering real-time assistance for transactions and card management.
Driving Performance and Efficiency Across DeFi Markets