The Currency of Haitian Markets, Now on the Blockchain.
For over 110 years, everyday trade in Haiti has been priced in "Haitian Dollars" (1 HTD = 5 HTG) — an informal unit of account without physical bank notes. Haitian Dollar Inc. provides sovereign, low-fee digital rails for instant mobile checkout, merchant terminals, and diaspora remittances.
Overcoming Haiti’s Financial Bottlenecks
Haiti’s economy relies heavily on remittances and local markets, yet legacy intermediaries consume billions in excessive fees and physical risks.
Extortionate Fees & Physical Risk
- 8%–12% Remittance Drag: Western Union and legacy corridors extract over $350M annually from diaspora transfers that families desperately need.
- Cash Carrying Hazards: Street-level cash transport in Port-au-Prince creates acute personal security exposure for merchants and families.
- High Credit Card Fees: Card processors charge Caribbean merchants 3%–4% plus interchange and rolling reserve holds.
Direct, Instant, Native Settlement
- 0% Protocol Transfers: Peer-to-peer and diaspora transfers inside the HTD network carry zero network transfer fees.
- 0.5% Merchant Spread: Local supermarkets, depots, and gas stations settle with terminal customers for just 0.5% — keeping margins in Haiti.
- Native Marketplace Language: Quotes, balances, and QR invoices render directly in traditional Haitian Dollars. No mental math required.
Built for the Real Haitian Economy
Tailored interfaces for consumers, merchant checkout terminals, and global diaspora remittances.
Everyday Users
Hold, send, and spend HTD directly from your smartphone. Gasless account abstraction means you never have to understand crypto gas fees or hold ETH.
- 0% P2P transfer fee
- Instant QR mobile checkout
- Full self-custodial control
Merchants & Terminals
Accept HTD payments at 0.5% fee with sub-second finality. Settle instantly with suppliers in HTD for 0% fee or redeem into physical gourdes as needed.
- 0.5% POS processing spread
- Zero chargeback risk or card fraud
- Hardware terminal & API options
Global Diaspora
Send financial support from Miami, New York, Montreal, or Paris straight to family in Haiti within seconds, bypassing predatory remittance wire storefronts.
- 24/7 borderless settlement
- Transparent 5:1 gourde peg
- Reg D 506(b) compliant rails
The Decoupled Fee Model
HTD separates in-network velocity incentives from outbound bridge surcharges to protect the reserve float.
P2P & B2B Transfers
Moving money between users or settling between merchants and wholesale suppliers inside the network is free, maximizing velocity.
Merchant Processing Spread
Competitive fee charged to merchants at the point of sale. 6x lower than credit cards, creating immediate merchant adoption incentives.
Outbound Cash-Out Fee
Surcharge paid when redeeming HTD back into physical cash gourdes. Protects reserve float and funds liquidity rebalancing.
Led by Diaspora Innovators & Licensed Patent Counsel
Haitian Dollar Inc. was founded by Honson Luma (author of the 2020 White Paper and USPTO applicant) and guided by Percy L. Square (Director & General Counsel, licensed patent attorney registered before the USPTO).
Learn about our corporate incorporation in Maryland, SEC Regulation D 506(b) status, USPTO registered trademark (Reg. 6,267,276), and multi-year regulatory roadmap.
Honson Luma
Founder & Sponsor
Percy L. Square
Director & Counsel
Ready to Modernize Caribbean Commerce?
Review our whitepaper, examine our Phase 1 Pilot specifications, or register your merchant terminal today.