Your account is safeguarded by regulated and licensed banks, partners and tier-one infrastructure providers. All funds are held in secure custodial accounts, and the entire platform is designed with enterprise-grade security standards. We use advanced fraud protection, encryption, and transaction monitoring to keep your money safe.

Hael works in over 150 countries, including major regions across Latin America, Africa, Asia, and Europe. You can open a USD bank account and use your Visa card in-store, online, and at ATMs wherever Visa is accepted.

All accounts are issued in USD. This gives you global access to the dollar, no matter where you live. For spending and withdrawals, we support local currency conversion or stablecoin transfers depending on your country and preference.

You can receive money directly into your Hael USD bank account, just like a regular bank account. Share your account details with the sender and the funds arrive straight into your balance. We support transfers from employers, family, friends, payment processors, and standard bank wires. The money comes directly to your account in your name, with no intermediaries.

Payments usually arrive within minutes, depending on the source. Transfers from banks or card top-ups may vary, but as soon as funds reach your account, they are available immediately with no clearance period.

Most transactions settle in real-time or within a few minutes. For local bank transfers, payout speed depends on your country and banking partner. In many markets we support instant settlement. You'll always see a time estimate before confirming your transaction.

You can withdraw funds at any time to your local bank account, mobile money wallet, or preferred crypto exchange, depending on your country. Payouts can be made in local currency or stablecoins. Our system will show you all available withdrawal methods based on your location and the type of account you link.

Please see our fees page for more details.

It takes just a few minutes to open your account. All we require is a short sign-up form, basic verification documents, and a few security steps. Once verified, your account is activated immediately and you can begin receiving or sending funds without delay.

In many countries, local currencies can lose value quickly due to inflation, devaluation, or capital controls. This means your income may be worth less over time, even if you do nothing wrong.

Hael lets you receive and hold your money in USD, helping you protect the real value of what you earn. Your balance is held securely, available instantly, and usable for everyday spending without being exposed to local currency volatility or restrictions.

In short, it gives you stability, access, and control that many local banks cannot consistently offer.