HN Wallet

Welcome to the HN Wallet—the secure and easy way to manage your finances on the go.

Linked to your bank account, the HN Wallet is a secure and user-friendly financial tool designed for effortless money management. Using a deposit system, it enables you to store your earnings, pay for HN services, and make quick, seamless transactions worldwide. You can easily monitor your digital assets and transactions with a simple interface on the website or mobile app.

Complete the Know Your Customer (KYC) process to make transactions. (KYC is required for transactions exceeding €1,500 per month or €5,000 per year.)

Earnings at your fingertips

Daily earnings are automatically deposited into your wallet, making your finances easier to manage.

Your HN earnings are always in euros and are always gross. You are responsible for paying the (income) taxes on this. It's also important to understand how the reverse-charge VAT works.

Wallet security

We at HN understand the importance of security when managing your finances. This is why we have implemented state-of-the-art security measures to ensure your account and transactions are entirely safe and secure. Every wallet is equipped with a public key to receive assets and a private key for authorising transactions, keeping your funds safe.

Military grade encryprion: Your personal and financial information is protected with asymmetric encryption, a security standard that has never been hacked. This encryption technology makes tampering and theft virtually impossible.

Multi-layered authentication: Featuring multifactor authentication and biometric security, ensuring that only you can access your wallet and transactions.

24/7 System monitoring: Our security team constantly monitors for threats, ensuring your data remains safe from unauthorised access and breaches.

Effortless transactions

Securely transfer funds to wallets and bank accounts worldwide with low transaction fees. You can always withdraw your money from your wallet and transfer it to your bank account. These transactions are unlimited.

External wallet-to-wallet transactions are limited to €50 daily. Internal wallet-to-wallet transactions have no restrictions.

Transaction fees

HN’s transaction fees are transparent and fair. Enjoy low fees at 0.2% for internal and 0.4% for external transactions.

Although wallet balances are always in euros, you can withdraw your earnings in any currency at the daily rate without incurring additional costs.

How Do I Connect?

Step 1: Download the HN App
Download the HN app to your smartphone. You can find it on both the Apple App Store and Google Play.

Step 2: Create your Account
After downloading the app, you will need to set up your HN account. The process is quick and straightforward, requiring only your basic information. Choose a password and username to create your login. Once your information is processed and your account is registered, your core wallet will be activated automatically.

Step 3: Add Your Bank Account
Once your account is activated, it is time to link your bank account with your wallet. Navigate to the “Settings” tab in the app and select "Bank Accounts.” You will then be prompted to enter your bank details, including your account number and routing number.

Step 4: Verify Your Bank Account
Once your account is activated, it is time to link your bank account with your wallet. Navigate to the “Settings” tab in the app and select "Bank Accounts’. You will then be prompted to enter your bank details, including your account number and routing number.

Step 5: Start Using Your HN Wallet
Congratulations! You have successfully linked your HN Wallet to your bank account. Now you can begin using your HN Wallet for all your financial needs: receive money from a ledger and/or node; carry out two‑way bank‑to‑wallet or wallet‑to‑wallet transactions; and cash out whenever you wish. You can quickly and easily transfer funds, and even recharge your prepaid mobile or internet account. If you have any questions or require further assistance, please contact our customer support team. We are always here to help.

HN Smart Contracts

HN Smart Contracts are digital agreements that automatically execute themselves, without requiring intermediaries such as banks or lawyers. They are created using code and stored on a decentralised network of ledgers. The main aim of smart contracts is to ensure that the contract's terms are fulfilled as specified, without human intervention. This reduces the risk of errors and fraud, increases efficiency, and cuts costs.

Example:
When two people want to exchange a payment, with the HN Wallet they can create a smart contract that specifies the terms of the payment, such as the amount to be paid and the conditions under which the payment will be made. Once the conditions are met, the payment is automatically executed without the need for intermediaries, such as banks or payment processors. This makes transactions faster, cheaper, more secure, and more reliable.

When two people want to make a payment exchange, they can use the HN Wallet to create a smart contract that outlines the terms of the payment, such as the amount and the conditions for execution. Once these conditions are fulfilled, the payment is automatically carried out without the need for intermediaries like banks or payment processors. This results in transactions that are faster, cheaper, more secure, and more dependable.

Besides speed, the HN Smart Contract is highly secure because it relies on HN’s encryption technology (i.e., all transactions are encrypted and recorded on a distributed ledger). This makes it almost impossible for anyone to modify a transaction or steal funds.

Overall, the HN Smart Contract provides an innovative and effective method for clients to transfer money between their wallets. With its speed, security, and ease of use, it is rapidly becoming a popular choice for businesses and individuals who need to move funds quickly and securely.

Bank transfers have long been the traditional way to transfer money, but they have some disadvantages that make them less attractive than other options like HN’s smart contracts or digital wallets.

Here are some differences: