# HENG Utility Access Card ### Planned Launch: Q2 2025 🔒 A secure, global-friendly payment solution that enables use of digital tokens for approved utility services. ### 💳 HENGCoin Utility Payment Card The HENGCoin Utility Payment Card is a prepaid digital usage tool designed to enhance token utility across supported regions. This feature allows verified users to connect their digital asset wallets and use HENG tokens to perform utility-based transactions such as platform access, partner purchases, and other permitted non-financial services. This is not a financial product, investment tool, or traditional debit/credit card service, and does not serve as a means for speculative conversion or financial gain from digital assets. *** ### 🌐 Supported Coverage Usable in 114+ countries and territories, covering 45+ fiat currencies \ Compatible with global payment infrastructure: Visa, Mastercard, AMEX, JCB, Discover, Diners Club, dLocal \ KYC required for issuance (ID, address, document scan & liveness check) \ Minimum usage threshold: $30 equivalent \ Regulatory-compliant processing via licensed partner (e.g., Transak or equivalent) ### 💼 Transaction Guidelines *Type Limit* Per Transaction $1,500 (equivalent) \ Daily $14,000 \ Monthly $28,000 \ Annual $100,000 Service fee: 3.5% for EUR/GBP, 5.5% for other fiat currencies \ Additional exchange fees may apply depending on third-party processor ### ⏱️ Processing Times Once submitted through the verified system, each card transaction is authorized and processed in under 1 minute. On-chain confirmations (if digital assets are involved) may take up to 20 minutes for delivery via blockchain. All steps are logged and traceable via secure smart contract integrations. ### ✅ Compliance Notes The HENG Utility Card is not a bank-issued debit card and is not linked to a credit facility \ It enables token-based utility payments only through supported partners and infrastructure \ All transactions are governed by smart contract terms and applicable AML/KYC regulations \ This feature is not intended for investment, profit-seeking, or financial conversion purposes. ⚠️ This page is intended for informational purposes only and does not constitute an offering of tokens, financial products, or investment advice. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://hengutility.gitbook.io/hengutility-docs/next-project-section/heng-utility-access-card.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.