What the HEVN Card is
HEVN is a cross-border payments platform for companies, backed by Y Combinator, and the card is one product inside it rather than the product itself. You open a business account, get named account details on local rails, hold stablecoin balances, send and receive across bank and crypto rails, and issue USD-denominated Visa cards against that balance for company spending.
The card is controlled rather than rewarded. You create cards, set a spending limit on each one, freeze and unfreeze them on demand, track transactions, and issue them to team members under role-based permissions where one person can request a payment, another can approve it and a third can execute it. HEVN's own app page describes the pitch plainly: pay from your balance with virtual cards, Apple Pay, and controls for personal or team use.
It is worth being direct about the gap, because it shapes everything else. HEVN publishes no card terms. There is no card page, no fee schedule, no limits table, no issuer name and no cashback rate on HEVN's own site or in its documentation. Its documentation goes further and states that there are no published fee rates, spreads or minimums at all, and that prices come from a quote on a specific payment. That is a legitimate commercial model for a B2B platform selling large cross-border flows, but it makes the card unusually hard to evaluate from the outside — and it is why this listing is three stars rather than four.
Where the card sits in the platform
The account behind the card is more interesting than most. Every HEVN account is a Base smart wallet owned by a key the user controls, with wallet infrastructure from Privy using Shamir sharding and TEEs, passkeys for authorisation, and gasless USDC through an ERC-4337 paymaster so nobody holds ETH for fees. HEVN describes the design as non-custodial by construction: no omnibus account, no pooled balance, no internal ledger representing your money — the onchain balance is the balance, and HEVN says it cannot move, freeze or access user funds.
Fiat sits elsewhere, and this is the part to understand before trusting the word self-custody too broadly. Deposits over bank rails settle to your smart wallet, and fiat payouts are executed by a licensed banking partner that issues a one-time deposit address you send from, so HEVN never receives or holds the money. Where a named bank account is involved, the deposit account and the card are provided by an Account Provider — a regulated bank or fintech partner — whose identity HEVN discloses during onboarding rather than on the website. The one partner HEVN names publicly is Conduit Technology, Inc., a FinCEN-registered money services business through which US fiat accounts are provided, in the site footer.
Who can actually get one
Businesses only, with a real verification process. Eligibility in HEVN's terms requires a legally registered business entity or a sole proprietor operating a legitimate business, an individual of at least 18 with authority to bind the company, and no history of a terminated HEVN account. The control person can request cards and manage users. Verification is KYB with corporate documents, beneficial ownership, director and signatory identity documents — and card issuance carries its own KYC step, with a link and QR code generated from the platform.
HEVN publishes country-specific document requirements for 11 countries and reviews every application manually, typically responding within 24 hours. Accounts are advertised as opening in one to two days for local details, with KYB completion under a week for most companies, though those figures come from directories rather than HEVN's own current pages.
What it costs — and what it does not say
The published pricing is the platform's, not the card's. Basic is $25 a month for one virtual bank account and up to $50,000 in monthly payment volume, Pro is $89 a month for three accounts and up to $250,000, and Enterprise is quoted, with unlimited accounts, a dedicated manager and payment fees down to 0.10–0.20%. Transfer pricing on the published plans is 0.75% on Basic, 0.50% on Pro and 0.10–0.20% on Enterprise across SEPA, ACH, wire, UAE FTS and UK FTS, with SWIFT adding $25 and stablecoin transfers at $0. Quarterly billing takes 10% off. Each plan includes a monthly credit for HEVN's AI finance agent.
None of that tells you what the card costs. Card fees are not in the plan tables, not on a card page, and not in the documentation — which explicitly says there is no price list and directs pricing questions to HEVN. There is also no card issuer named, so you cannot check the BIN sponsor or the programme manager before applying. If you are evaluating this card on price, the honest position is that you cannot, until you have a quote.
How it rates
Three stars, Tier-3. The infrastructure behind this card is genuinely serious — a Y Combinator-backed company, non-custodial Base smart wallets with Privy and passkeys, named account details on local rails, stablecoin and fiat flows in one workspace, real spend controls on the card, an API and CLI, and a named US payment service provider in Conduit. As a payments platform it looks credible, and the docs are unusually candid about what it cannot do with your money.
As a card, it is under-documented in ways that matter: no fees, no limits, no issuer, no cashback confirmation, no card terms page, a physical card claimed only by a third-party tracker, Apple Pay confirmed but Google Pay not, business-only eligibility, and no independent review of the card itself — the one tracker entry carries zero user reviews. Two directories credit a 0.5% cashback that HEVN's own pages no longer state, and another tracker says there is none. None of that is disqualifying for a company that wants a controlled spend card inside a bigger payments account, but it is not enough to rate it alongside cards that publish their terms.
Weigh it against Mine Card, the most directly comparable self-custody account with a card attached, or Bringin Card, which publishes its full card fee schedule where HEVN publishes none, or browse the full crypto cards directory.
