UCard Radar
Risk alerts

Card database / Visa / Stablecoin payment card

HHyperbeat Pay logo

Hyperbeat Pay

Updated: Sep 14, 2026

Hyperbeat Pay is a Visa Signature crypto payment card offered by Hyperbeat Liquid Banking, connecting a self-custody HyperEVM smart wallet to real-world card spending. In Cash Mode, users can spend stablecoins or USD balances directly from their account. In Credit Mode, they can use eligible digital assets such as BTC, ETH, SOL and HYPE as collateral and obtain spending funds through on-chain lending, allowing them to pay Visa merchants without directly selling the collateral assets.
Submit usage feedback
Card network
Product type
Stablecoin payment card
Card form
Virtual card / Physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDTUSDCBTCETHSOL
Last updated
Sep 14, 2026

Official and company information

Issuer identity and company credentials

Hyperbeat is a non-custodial DeFi financial platform built on Hyperliquid and HyperEVM, offering smart wallets, digital asset deposits and withdrawals, yield vaults, liquid staking, lending, swaps, on-chain trading, and crypto payment card access. User assets are primarily controlled by self-custody wallets and smart contracts; Hyperbeat handles protocols, technical interfaces, and product integration. Regulated aspects such as fiat on/off ramps, exchange, trade execution, and card issuance are handled by third-party service providers or decentralized protocols.
Visit website Application page
Company / issuer
Hyperbeat
Legal name
Zoeion Ltd Corporation
Registered region
Panama (PA)
Headquarters
PH Iver 77, Calle José Matilde Perez
Company type
Program manager
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Hyperbeat Pay is part of the Hyperbeat Liquid Banking product suite. The account is built on a self-custodial smart wallet architecture on HyperEVM, connecting bank deposits, stablecoins, Hyperliquid trading, savings, lending, and Visa card spending. Cash Mode directly deducts spendable USD or stablecoin balances without incurring borrowing interest; Credit Mode uses on-chain lending infrastructure such as Morpho, with BTC, ETH, SOL, HYPE, gold tokens, and other assets as collateral, generating USD borrowing at the time of purchase. Interest accrues immediately, and there is a risk of automatic liquidation if the collateral ratio declines. The card is accepted at Visa merchants and supports mobile wallets. The virtual card is now officially available, while the physical card is being rolled out gradually via a waitlist.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

2026-09 · Project-wide data

Source unspecified

Spend (USD)

$726,739.82

No comparable previous month

Transactions

25,146

No comparable previous month

Last six complete calendar months

Spend (USD)
Monthly details
PeriodSpend (USD)Transactions
2026-04$213,295.953,951
2026-05$390,352.825,553
2026-06$433,325.497,485
2026-07$423,257.247,977
2026-08$482,729.0312,009
2026-09$726,739.8225,146

Data source: Paymentscan ↗

Period: 2026-04 — 2026-09Last synchronized:

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Hyperbeat Pay Virtual card
Hyperbeat Pay Physical card
Card formVirtual cardPhysical card
Fees
Monthly fee——
Card issuance fee——
ATM fee
1 USD + 0.65%
Fee per ATM withdrawal
1 USD + 0.65%
Fee per ATM withdrawal
Foreign exchange fee
1%
Charged for foreign currency card transactions, rate 0.4%–1%
1%
Charged for foreign currency card transactions, rate 0.4%–1%
Top-up fee——
Failed transaction fee
0.6 USD
ATM withdrawals only
0.6 USD
ATM withdrawals only
Rewards
Cashback——
Crypto cashback
12%
Up to 12% HYPE, cashback rate determined by transaction activity
—
Staking rewards——
Staking APR——
Welcome bonus——
Referral bonus——
Limits
Daily spending limit——
Monthly spending limit
100,000 USD
Default monthly spending limit
100,000 USD
Default monthly spending limit
ATM withdrawal limit——
Card network
Drag horizontally to view other cards

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

50
Turks & Caicos IslandsTCEl SalvadorSVPhilippinesPHPanamaPABoliviaBOParaguayPYBrazilBRAntigua & BarbudaAGThailandTHArgentinaARPakistanPKZambiaZMMexicoMXUgandaUGTaiwanTWUruguayUYMoroccoMAGuyanaGYSt. Vincent & GrenadinesVCSurinameSRMalaysiaMYBahamasBSUnited Arab EmiratesAEGrenadaGDCosta RicaCRSingaporeSGColombiaCOKenyaKEEgyptEGTrinidad & TobagoTTHong KongHKBarbadosBBBangladeshBDHondurasHNSt. LuciaLCAustraliaAUBelizeBZGuatemalaGTDominican RepublicDOCôte d’IvoireCIJapanJPCayman IslandsKYEcuadorECSouth AfricaZANew ZealandNZGhanaGHSenegalSNNigeriaNGPeruPESt. Kitts & NevisKN
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

18
IranIRRussiaRUIraqIQUkraineUASyriaSYBelarusBYVenezuelaVEVietnamVNMacaoMOIndiaINChinaCNIsraelILCubaCUNicaraguaNITürkiyeTRNorth KoreaKPMyanmar (Burma)MMNepalNP
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents can access Hyperbeat Pay through the separate U.S. card program after completing the applicable identity and eligibility checks.
2. United Kingdom：Can apply，Can use，UK residents are eligible for the international card program after completing Hyperbeat’s required identity and compliance verification.
3. Canada：Can apply，Can use，Canadian residents can apply after identity verification except residents of Ontario, which Hyperbeat expressly excludes from access to its services.
4. Australia：Can apply，Can use，Australian residents are eligible for the international card program after completing the required identity verification and issuer approval.
5. South Africa：Can apply，Can use，South African residents can apply after completing Hyperbeat’s identity and compliance verification, with no current issuer-level country prohibition.
6. New Zealand：Can apply，Can use，New Zealand residents can access the international card program after completing the required identity and compliance checks.
7. Ireland：Can apply，Can use，Irish residents can apply through Hyperbeat’s international card program after completing the required identity verification.

Updated: Sep 14, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Passport

Review time / regional limits

Automated identity verification usually takes about two minutes; manual review is capped at one business day.

KYC provider

Not disclosed

Updated

Aug 13, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported11
Not supported1
UpdatedAug 13, 2026

Wallet payments

Alipay

Supported

Aug 13, 2026

Wallet payments

Apple Pay

Supported

Aug 13, 2026

Cash services

ATM withdrawal

Supported

Aug 13, 2026

AI tools

ChatGPT

Supported

Aug 13, 2026

AI tools

Claude

Supported

Aug 13, 2026

Wallet payments

Google Pay

Supported

Aug 13, 2026

AI tools

Midjourney

Supported

Aug 13, 2026

In-person payments

Offline POS

Supported

Aug 13, 2026

Online shopping

Online shopping

Supported

Aug 13, 2026

Wallet payments

PayPal

Not supported

Aug 13, 2026

Subscriptions

Subscription payment

Supported

Aug 13, 2026

Wallet payments

WeChat Pay

Supported

Aug 13, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 3 approved reviews matched to this card

Newest first
Sibabalwe Mantorogoogle_play★ 1 / 5

Hyperbeat Google Play review - 1 star

doesn't want log in fpl.
View original
JakeTTT2001app_store★ 2 / 5

Not worth downloading

Does not work well. It is not very bad but clearly it’s a beta mode. Looks like some poorly made app. There are a bunch of others I would prefer to use instead of this one.
View original
Md. Zahidul Islamgoogle_play★ 3 / 5

Hyperbeat Google Play review - 3 star

it’s very good app for the small transaction and didn’t get declined fee. Otherwise this app bonus every transaction.
View original

Risk factors

Updated: Aug 13, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Hyperbeat Pay require KYC?

Our record lists the Hyperbeat Pay verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Hyperbeat Pay support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Hyperbeat Pay with?

Our record lists Hyperbeat Pay support for: USDT, USDC, BTC, ETH, and SOL.

Is Hyperbeat Pay a virtual or a physical card?

Hyperbeat Pay is offered as: Virtual card and Physical card.

Where is Hyperbeat Pay available?

Our record lists 50 countries or regions as available and 18 as restricted. Country-by-country status is in the regions section of this page.

Who issues Hyperbeat Pay?

Hyperbeat Pay is operated by Hyperbeat on the Visa network.