1. Overview of HOLD.Money
HOLD.Money is a privacy-preserving, non-custodial Web3 credit card that empowers users with full control over their assets via a battle-tested Safe-based self-custody multi-signature wallet. By removing intermediaries, HOLD.Money ensures that users always retain ownership and management of their funds, eliminating trust-based risks and enhancing financial autonomy.
Built on the principles of decentralization and privacy, HOLD.Money combines strong security guarantees with a smooth, user-friendly experience. With HOLD.Money, users can spend confidently knowing their assets are secure, private, and entirely self-managed.
HOLD.Money officially launched in April 2025. Users can register and apply for a card using an invitation code at https://app.hold.money.
Usage Guide: https://app.hold.money/learn
The platform currently supports scrvUSD as the primary asset.
2. Whitelist Requirement for the f(x) Protocol
fxSAVE is a high-yield, auto-compounding savings protocol. Currently, in the fxUSD/USDC stability pool, users withdrawing USDC must either wait for 30 minutes (with no fee) or pay a 1% fee to receive funds immediately.
This proposal requests to whitelist HOLD.Money on the f(x) Protocol, so that USDC withdrawals from fxSAVE to HOLD.Money can be executed instantly without incurring the 1% fee.
By enabling this integration, HOLD.Money will list fxSAVE as a supported asset in its product. Users will be able to:
• Automatically mint fxSAVE through HOLD.Money.
• Auto-refill their HOLD.Money card with the fxSAVE for seamless spending.
This integration provides a smooth and efficient user experience that connects DeFi yield generation with real-world payment utility.
3. Project Roadmap
If whitelisted by the f(x) Protocol, HOLD.Money will include support for fxSAVE in the product update scheduled for June 2025.
4. Future Plans
In HOLD.Money’s broader roadmap, we also plan to support spending through lending positions. As part of this vision, we intend to integrate fxLend into the platform, allowing users to access liquidity while maintaining exposure to yield-bearing assets.