# Private stablecoin account or multichain crypto spending?

Holyheld turns a wide range of wallets, networks and tokens into everyday fiat spending. We built Fiber for a stablecoin-first job: receive income, keep supported activity private, use earn and access markets from one non-custodial account.

## THE SHORT ANSWER

Choose Fiber for ZK privacy, US account rails and private tokenized markets. Choose Holyheld for its published multichain asset breadth, personal IBAN and crypto-orchestration tools.

## Private finance versus multichain breadth.

Both preserve non-custodial crypto control. Fiber concentrates on stablecoin income and private supported activity; Holyheld concentrates on routing many on-chain assets into fiat utility.

| Topic | Fiber | Competitor | Takeaway |
| --- | --- | --- | --- |
| Asset control | We are non-custodial by architecture and cannot access or control your assets. | Holyheld states that connected crypto and private keys remain in the user’s own wallet; fiat account balances use payment partners. | Both preserve non-custodial crypto control; integrated fiat services have separate provider roles. |
| Financial privacy | Supported transfers, trades and earn activity are shielded with zero-knowledge privacy. | Holyheld emphasizes non-custody, account abstraction and compliant fiat conversion, not an equivalent ZK privacy promise. | Fiber is designed for private supported financial activity, not only non-custodial control. |
| Assets and networks | We center the account on stablecoin income plus supported private markets. | Holyheld publishes support for 20+ networks, major stablecoins and 1,200+ other tokens for account top-ups. | Holyheld is stronger for broad multichain token support. |
| Account rails | Eligible users receive US account details for ACH and domestic wires. | Holyheld publishes a personal IBAN for SEPA transfers, including salary and rent payments. | Fiber fits US rails; Holyheld’s published account is oriented around European rails. |
| Markets | Supported tokenized stocks, commodities and crypto trade 24/7 with 0% Fiber trading fees. | Holyheld focuses on swapping, routing, on/off-ramping and spending crypto rather than an integrated tokenized-markets account. | Fiber connects stablecoin income and a supported portfolio in one private account. |

## Fiber fit

- You are paid in stablecoins and want US deposit rails.
- ZK privacy for supported transfers, trades and earn activity is a requirement.
- You want tokenized stocks and commodities beside crypto.

## Holyheld fit

- You need broad published support across networks and tokens.
- A personal IBAN and SEPA transfers fit your financial life.
- You want on-chain routing and off-ramp orchestration more than private markets.

Holyheld’s multichain breadth is a genuine advantage for crypto-native users with assets scattered across networks. Fiber’s focus is different: make a stablecoin paycheck behave like a private, non-custodial financial account.

## FAQ

### Are Fiber and Holyheld both non-custodial?

Yes for the crypto layer. Fiber is non-custodial by architecture, and Holyheld states that it never holds users’ crypto or private keys. Integrated fiat providers still have separate processing roles and terms.

### Which supports more crypto assets?

Holyheld publishes 20+ networks and 1,200+ tokens for top-ups, so it has the clearer breadth advantage. Fiber intentionally centers the account on stablecoin income and supported private markets.

### Which is better for getting paid?

It depends on the rail: Fiber provides eligible US account details for ACH and domestic wires, while Holyheld publishes a personal IBAN for SEPA transfers. Country eligibility still applies.

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Fiber is a financial technology company, not a bank. Banking services are provided by SSB, Member FDIC. Funds deposited at SSB are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, subject to applicable limitations and FDIC rules.