We support businesses in over 100 countries, across every major region including Latin America, Africa, Asia, and parts of Europe. You can receive and hold funds in a USD account from nearly anywhere in the world, and send funds to your local bank or wallet depending on the withdrawal methods available in your country. The platform automatically adapts to your location, offering the right payment and off-ramp options based on where you live and work.

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. A EUR option is being rolled out in selected regions soon.

Your business can receive payments from customers, partners, or subsidiaries directly into your Hael account, just like a regular USD or EUR bank account. Share your account details with payers and funds are credited straight into your balance. We support incoming payments from global banks, card processors, and corporate partners. There are no intermediaries, and funds arrive securely in your company’s name.

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.

No. There are no setup charges, no ongoing monthly fees, and no minimum balance requirements. You can create your account for free and start receiving funds right away. Our pricing is fully transparent and we charge only on transactions, not for maintaining your account.

Any network or processing fees are clearly displayed before you complete a transaction. We believe in total fee transparency so you always know exactly what you will receive.

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.

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.

Yes. Your account is safeguarded by regulated 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.