Hyperbeat Pay Card
Hyperbeat Pay is a free virtual Visa card that spends from a self-custody account on HyperEVM, either from your cash balance or by borrowing against BTC, ETH, SOL or HYPE. Everyday cashback is 0.2% in WHYPE, rising to 1% with boosters; Hyperliquid traders can earn far more.
- Visa
- Apple Pay
- Google Pay
- KYC required
- Virtual card
- Self-custody
Good
- Free virtual cards (up to 5), no annual or monthly fee
- Self-custody account secured with passkeys
- Credit mode lets you spend against BTC, ETH, SOL or HYPE
- Low FX: 0.4 to 1% (Visa rate)
Watch out
- Everyday cashback is only 0.2% (up to 1% with boosters), in WHYPE
- Credit mode charges variable interest with no grace period
- Physical card not available yet
- Fixed $100,000 monthly limit; most of Europe not covered
Key facts
- Card price
- Freevirtual
- Cashback
- 0.2%on all spend
- Annual fee
- Free
- FX fee
- 0.4 to 1% (Visa)
- Monthly spend limit
- $100,000
Rewards
| Cashback | 0.2% in WHYPE, up to 1% with boosters |
|---|---|
| Paid in | WHYPE |
| Payout | Paid in WHYPE about 48 hours after settlement. |
Conditions
- Four boosters add 0.2% each: deposits of $1k and $10k, spend of $1k and $10k in 30 days (maximum 1%)
- Trader tiers by 30-day Hyperliquid volume: $1M for 3% (on the first $3,300 of spend), $5M for 5% ($10,000), $10M for 8% ($12,500), $25M for 10% ($25,000), $50M for 12% ($41,700)
No cashback on
- ATM
- Wires
- Purchases of financial instruments
Fees, limits and card details
| Virtual card | Free |
|---|---|
| Monthly fee | Free |
| Annual fee | Free |
| Foreign currency (FX) | 0.4 to 1% (Visa) |
| ATM withdrawal | $1 + 0.65% |
| ATM balance inquiry or decline | $0.60 |
| Credit mode interest | Variable protocol rate, no grace period |
| Spending, per month | $100,000Cannot be changed |
|---|
| Provider | Hyperbeat, operated by Zoeion Ltd (Panama) |
|---|---|
| Network | Visa |
| Card type | DebitCash mode spends your balance; credit mode borrows through Morpho at the moment of payment. |
| Custody | Self-custodyKeys on Turnkey passkeys; withdrawals have a 1-day cooldown. |
| Formats | Virtual cardPhysical card announced as coming soon. Agent cards are virtual cards with spending controls for automation. |
| Currencies | USD |
| Issuer | Third National |
| Cards per account | Up to 5 virtual cards, including Agent cards. |
| Wallets | Apple Pay: Yes; Google Pay: Yes |
| Launched | January 2026 |
| Required | KYC required |
|---|---|
| What you provide | Government ID; Liveness check |
| Time | About 2 minutes |
- Sign in with e-mail and a passkey.
Availability
Limited
United States. Available in some US states (list not published).
Not available
Canada, India, Indonesia, South Korea, Türkiye.
Other countries are unknown: the provider does not publish a full list.
Provider's claim: 50 countries: 29 in the Americas (including the US by state), 10 in Africa, 9 in Asia, 2 in Oceania.
Most of Europe is not covered. Specific countries beyond these are not named.
Supported cryptocurrencies
- USDC
- USDT
- BTC
- ETH
- SOL
- WHYPE
- HYPE
- XAUT
Supported networks
- HyperEVM
- Spend USDC, USDT, BTC, ETH, SOL or WHYPE; in credit mode BTC, ETH, SOL, HYPE, stablecoins and XAUT serve as collateral. The site also mentions stocks and gold.
Community review
App Store
2.8 out of 5 from 4 ratings
App: Hyperbeat Pay Fewer than 20 ratings: shown, not scored.
Our rating
5.5 out of 10
| Criterion | Weight | Score | Points |
|---|---|---|---|
| Fees | 28% | 6.6 | 1.85 |
| Cheapest card$0 | 20% | 10.0 | |
| Yearly cost$0 | 20% | 10.0 | |
| Top-up costUnknown | 20% | 2.0 | |
| Cost per purchaseUnknown | 15% | 2.0 | |
| FX cost1% | 15% | 6.0 | |
| ATM cost1.15% | 10% | 10.0 | |
| Rewards | 18% | 5.1 | 0.92 |
| Cashback at $1,000 a month0.2% | 75% | 5.8 | |
| Reward currencyWHYPE | 15% | 5.0 | |
| Perks0 | 10% | 0.0 | |
| Availability | 14% | 3.0 | 0.42 |
| Countries0.5 countries | 70% | 0.0 | |
| Apple Pay and Google Pay10 of 10 | 30% | 10.0 | |
| Limits | 7% | 2.0 | 0.14 |
| Spending capacity a day$3,333 | 70% | 2.0 | |
| Cash a dayUnknown | 30% | 2.0 | |
| Custody | 7% | 10.0 | 0.70 |
| Track record | 7% | 6.5 | 0.46 |
| Age9 months | 50% | 2.9 | |
| IssuerNamed | 30% | 10.0 | |
| IncidentsNone | 20% | 10.0 | |
| Data completeness | 6% | 8.5 | 0.51 |
| KYC and privacy | 5% | 4.0 | 0.20 |
| Networks and coins | 5% | 4.5 | 0.23 |
| Networks1 | 50% | 0.0 | |
| Coins8 | 50% | 9.0 | |
| App ratings | 3% | 2.0 | 0.06 |
| Total | 100% | 5.48 = 5.5 |
Each criterion is scored 0 to 10, rounded to 0.1, then multiplied by its weight. Unknown values score 2.
How to get the card
- Sign up with e-mail and a passkey and pass the ID and liveness check.
- Fund your HyperEVM account with stablecoins or crypto.
- Issue a free virtual card and add it to Apple Pay or Google Wallet.
Questions
How much does the Hyperbeat Pay Card card cost?
Getting a Hyperbeat Pay Card card is free. Annual fee: Free.
Does Hyperbeat Pay Card pay cashback?
0.2% in WHYPE, up to 1% with boosters. At $1,000 of spend a month on the entry plan that works out to about 0.2%. Paid in WHYPE about 48 hours after settlement.
Does Hyperbeat Pay Card require KYC?
Yes, Hyperbeat Pay Card requires identity verification before you get the card (about 2 minutes). Sign in with e-mail and a passkey.
Is Hyperbeat Pay Card available in the US?
Partly: Available in some US states (list not published).
Can I add Hyperbeat Pay Card to Apple Pay or Google Pay?
Yes, Hyperbeat Pay Card works with Apple Pay and Google Pay.
Which coins and networks can I use to top up Hyperbeat Pay Card?
Coins: USDC, USDT, BTC, ETH, SOL, WHYPE, HYPE, XAUT. Networks: HyperEVM.
What are the Hyperbeat Pay Card spending limits?
Per month: $100,000.
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Before you order
The Order card button is an affiliate link: we may earn a commission if you sign up. It does not change the rating or the order of the catalog.
This page is not financial advice. Terms change often; check fees, limits and availability with the provider before you order.
How we rate cards: methodology. How we earn money: affiliate disclosure.
Sources
- Apple App Store listing
- Official website
- SpendNode
- PaymentScan
Figures are taken from these sources in this order of priority: the provider's own pages, then DefiLlama, then other reviews, then Telegram reports.