> ## Documentation Index
> Fetch the complete documentation index at: https://docs.havnfinance.cc/llms.txt
> Use this file to discover all available pages before exploring further.

# What is Havn?

> A way to spend Solana at online merchants, without a bank.

# What Havn is

Havn issues virtual prepaid cards that you pay for with crypto on Solana.

That is the whole product. You send SOL or USDC, and you get a card number you can type into a checkout. There is no bank application, no credit check, and no monthly account.

<img src="https://mintcdn.com/havn-finance/sfpjjd5mQ5Ek6-r0/images/havn-coin-basket.webp?fit=max&auto=format&n=sfpjjd5mQ5Ek6-r0&q=85&s=0c5be26a258de3beb94e2a9d2ff0cc85" alt="Havn" className="my-8 rounded-xl max-w-[420px] mx-auto block w-full" width="1254" height="1254" data-path="images/havn-coin-basket.webp" />

## What it is not

Being clear about this saves everyone time:

* **It is not a bank account.** You cannot receive a salary into it or hold a balance with us.
* **It is not a credit card.** Each card is loaded once, with the amount you paid.
* **It is not reloadable.** When the balance is spent, the card is finished. Order the amount you plan to spend.

## How your money moves

You pay from your own wallet. Havn receives that payment, converts it if needed, and buys the card on your behalf. The card's balance is then yours to spend.

<Warning>
  Between paying and receiving your card, your funds are held by Havn. This is a
  custodial step, not a smart contract, and it is how the card gets funded. If
  something goes wrong mid-order, contact us — do not assume funds return
  automatically.
</Warning>

## Solana only

Havn accepts **SOL** and **USDC** on **Solana**. Nothing else.

Sending any other token, or the right token on a different network, means the funds do not arrive and cannot be recovered. The payment screen shows the exact address and amount for this reason.