Tailored crypto payment solution for individuals and businesses

Summary

Crypto payments are one of the biggest narratives of 2026, within and outside the crypto space. Businesses and individuals are exploring effective means to spend and receive crypto payments in the real world. Launched in 2025 and growing in popularity, Heleket is innovating real-world crypto payments alongside other neobanking solutions.

Heleket serves anyone looking to spend and receive crypto in the world without going through a tedious on-ramping and off-ramping process. In this article, we review Heleket and the services it offers. We also provide a guide on how you can start using the platform.

What is Heleket?

Heleket is a custodial neo banking solution for crypto investors and businesses. It allows crypto investors to seamlessly spend crypto in the real world and provides businesses with plug-and-play solutions for accepting and processing crypto payments. Heleket targets freelancers, e-commerce enthusiasts, businesses, and anyone exploring an easier way to spend crypto.  It offers easy setups, low fees (starting from 0.4% for regular transactions), and instant cross-border payments.

Heleket supports a wide range of crypto assets, including Bitcoin, Ethereum, USDT (ERC-20/TRC-20), USDC, Monero, Litecoin, Dash, and other altcoins. The platform is available to users in over 100 countries worldwide. However, users in the USA, Venezuela, Russia, Belarus, Ukraine, Iran, Iraq, Syria, Lebanon, Afghanistan, Myanmar, Yemen, Cambodia, Pakistan, North Korea (DPRK), and Sudan may be restricted due to regional regulations.

What are the major products and services on Heleket?

Heleket offers crypto payment solutions for businesses and individuals. Its service product catalog is tailored for these two factions. Here are the available services and products on Heleket;

Crypto payment solution for businesses

Heleket empowers businesses by allowing them plug into the multi-trillion dollar crypto market through modular crypto payment solutions. It offers easy-to-set-up products and services that enable businesses to start receiving and processing crypto payments from customers. Heleket’s business solution is ideal for online merchant stores and sellers in the Gaming, EdTech, SASS, and retail sectors. Using the setup kits, like ready-made modules and easy API integrations, you can start transacting with crypto in your stores.

What can you do with Heleket’s business solution?

Here’s what you can do with Heleket-powered crypto payment solutions as a business person;

Instant crypto payment

Heleket offers easy crypto payment processing. You can receive payments in crypto from customers in supported regions. Heleket provides businesses with a constituted interface and multiple crypto payment options. You can set up payment agreements in any of the supported assets.

Automated and manual crypto-fiat conversion

Heleket allows businesses to easily convert the crypto payments they receive to other crypto or fiat currencies. You can convert your BTC and altcoins to stablecoins or off-ramp to your native fiat. USD and Euro are supported on the platform.

Mass Remittance

Businesses using Heleket can set up bulk payments. This is ideal for paying staff salaries or settling contractors. The bulk payment feature supports crypto and cross-border payments. You can pay clients in regions where Heleket is supported using the feature.

Heleket Virtual Card

The Heleket Virtual Card is issued in partnership with Visa. It is a custodial crypto card for online payment. With the Virtual Card, crypto holders can set up debit facilities funded with cryptocurrencies in a few minutes. Heleket handles fiat-to-crypto conversions, allowing users to easily use their crypto for real-world payments.

Heleket supports single-use and unlimited cards.

What can you do with the Heleket Virtual Card?

Here’s what you can do with your Heleket Virtual Card 

Subscription Payments

Heleket Virtual cards can be used to pay for subscription-based services like streaming, design applications, and web hosting services. It is accepted by more than 10 service platforms, including Netflix, YouTube, Canva, CloudFlare, and more. According to Heleket, Google Pay and Apple Pay support will be added in the future for expanded reach.

E-commerce

The virtual card can also be used for payments on supported online stores. You can use your virtual card for Airbnb and Uber payments

What Fees are Charged on Heleket?

Fees for regular crypto payment transactions on Heleket start from 0.4% and vary depending on your plan and volume transacted. There is no setup or monthly fee for user accounts. A one-time $5 fee is charged for card issuance, and card payments attract up to 3% in fees. For businesses, Heleket does not charge fees for automated or manual conversions, and commissions are customizable according to users’ plans. Third-party fees may apply for fiat withdrawals.

Pros and Cons of Heleket

Here are the advantages of using Helekeet and a few disadvantages to take note of;

Is Heleket Legitimate?

Yes, Heleket is a legitimate neobanking solution. Several reviews by trusted sources acknowledge the platform’s legitimacy and the efficiency of the service. No security incidents have been reported on Heleket since its launch. However, the platform has been criticized for freezing users’ funds as part of the AML policy compliance. We recommend risk management precautions while using the platform. Only fund your cards with the amount you wish to spend immediately.

Is Heleket regulated and secure?

Heleket complies with AML policies. In terms of security, the Heleket Platform and user accounts are protected with SSL/TLS encryption and modern data protection standards. According to Heleket, the platform is regularly audited and monitored for security breaches. Users can set up two-factor authentication and passwords for enhanced account security.

How to start using Heleket

To start using Heleket,

1. Visit the platform
2. Click Get Started from the homepage to continue
3. Enter your email, password, and country of residence. Click Create an account to continue
4. Verify your email using the code sent to your mailbox

Your account is now created

To fund your account

1. Click Get Address from your dashboard.
2. Select the asset you wish to deposit and the network of choice
3. Copy the provided wallet address and use it as the recipient address when sending funds.

To get a virtual card

1. Hover on Card Wallet and select My Card.
2. Click Create Card to request a card.

Review Verdict: Should you use Heleket

If you are looking for an easier way to spend your crypto, then yes, you should use Heleket. Heleket’s services are efficient with relatively low fees. It offers an easy setup process with an intuitive interface that makes navigation seamless.

In general, we rate Heleket 3.8/5, considering the relevance of licensing for financial service providers. However, in terms of pure use experience, we rate the platform 4.2/5.

Conclusion

Heleket and other projects in its category are transcending the barriers to crypto adoption as a means of payment. Neobanking solutions are pioneering the next stage of crypto adoption. For the everyday investor, it provides a means to spend crypto like fiat. For businesses, it allows merchants to plug into the crypto economy and expand their revenue source. It offers a win-win situation for everyone involved. However, it is important to understand how Heleket and similar platforms work and what it means for your finances. We recommend risk management precautions while using any platform. Only deposit the amount you wish to spend in the short term and hold a majority of your assets in personal cold storage devices.

Disclaimer: This is an independent review of the Heleket service platform. It is only meant to educate readers and not offer financial advice. Featured product(s) are not endorsed. Note that crypto investments carry significant risks.