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HHyperbeat Pay logo

Hyperbeat Pay

Updated: Aug 13, 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.
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Card network
Visa
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
USDT / USDC / BTC / ETH / SOL
Last updated
Aug 13, 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.

Card variants and fee differences

Compare verified fee records across card forms and tiers

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

Regions and China applicability

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

China applicability

The source text is retained below.

Original

1、中国大陆：不可申请，Hyperbeat 明确将中国大陆列入禁止发卡地区；但中国大陆不在卡片禁止消费七国名单内，境外已发行卡可在符合规则的 Visa 商户使用。

2、香港：可申请，中国香港在 Hyperbeat Pay 官方支持地区名单中；完成 KYC 后可申请虚拟卡，并在接受 Visa 的线上及线下场景使用。

3、澳门：不可按当前常规流程申请，澳门未进入现行开放发卡地区范围；境外已经发行的 Hyperbeat Visa 卡可在当地接受 Visa 的商户使用。

4、台湾：可申请，近期地区可用性资料已将 Hyperbeat Pay 列入台湾居民可使用的加密卡产品；发卡后可在接受 Visa 的线上及线下商户使用。

Updated: Aug 13, 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

User reviews

Showing 2 approved reviews matched to this card

Newest first
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