Hyperbeat

Follow the in-app flow to submit ID and liveness. Approval is usually in 2 minutes, we’ll notify you in-app and email.

Official source

Belarus, China (Mainland), Cuba, India, Iran, Indonesia, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam.

Official source

Some ATMs may apply a large conversion fee (i.e. 6%+), which is not imposed by Hyperbeat and can vary greatly between banks and ATMs.

Some ATMs may apply a large conversion fee (i.e. 6%+), please note this is not imposed by Hyperbeat and can vary greatly between banks and ATMs.

Official source

Balance Inquiry: $0.60

Official source

Balance Inquiry: $0.60

Official source

Returned payment fee of up to $29.00; exact charge is not stated.

6.1 Penalty fees. (a) Liquidation fee (Reserved) (b) Each time a payment on your Account is returned or reversed for any reason or we must return any check, instrument, or transaction you send us because it is incomplete or faulty, we will charge you a returned payment fee of up to $29.00. However, we will not charge a returned payment fee if we are charging a late fee with respect to the same minimum payment due and will never charge a returned payment fee exceeding the minimum payment due that was due immediately prior to the date on which the payment was returned to us. (c) Additional fees. We may charge fees for special services you request in accordance with applicable law.

Official source

Late payment: Up to $40; the exact fee is not stated.

Late payment: Up to $40

Official source

Democratic People's Republic of Korea

Official source

Iran

Official source

Withdrawals: $1 + 0.65%

Official source

Withdrawals: $1 + 0.65%

Official source

You can withdraw cash from ATMs that support major credit card networks using the Hyperbeat Pay physical card.

Official source

Note: ATM withdrawals are not allowed due to platform integrity and global compliance for the following FATF blacklist countries:

Official source

ATM withdrawals:

Official source

Myanmar

Official source

ATM withdrawals:

Official source

Decline: $0.60

Official source

The Help Center states an FX rate fee of 0.4%-1%; Card Terms state “Foreign Exchange Fee (non USD): up to 3%” and “Foreign Transaction Fees: up to 3%.” These sources do not establish a single exact fee.

Purchases with a Hyperbeat Pay card have a 0.4%-1% FX rate.

Official source

Foreign Transaction Fees: up to 3%

Official source

Foreign exchange rate fees: 0.4%-1%, for more information on the VISA rate used, please visit Visa's exchange rate calculator.

Official source

Foreign Exchange Fee (non USD): up to 3%

Official source

Cross Border Fee: up to 3%.

Cross Border Fee: up to 3%

Official source

Card Terms list a liquidation penalty of up to $35 and separately identify the liquidation fee as “Reserved”; the current charge is unresolved.

Liquidation penalty: Up to $35

Official source

6.1 Penalty fees. (a) Liquidation fee (Reserved) (b) Each time a payment on your Account is returned or reversed for any reason or we must return any check, instrument, or transaction you send us because it is incomplete or faulty, we will charge you a returned payment fee of up to $29.00. However, we will not charge a returned payment fee if we are charging a late fee with respect to the same minimum payment due and will never charge a returned payment fee exceeding the minimum payment due that was due immediately prior to the date on which the payment was returned to us. (c) Additional fees. We may charge fees for special services you request in accordance with applicable law.

Official source

Maximum monthly spending limit

Official source

This limit is now configurable. You can lower it, change how it is measured, and set a different limit on each of your cards.

Official source

Every card comes with a default limit of $100,000 per month, and this applies regardless of which mode you are in.

Official source

$100,000 monthly remains the maximum. You can set your limit below it, but not above it.

Official source

Please note the ATM limit of $250 per transaction and only 3 atm withdrawals per day.

Official source

Please note the ATM limit of $250 per transaction and only 3 atm withdrawals per day.

Official source

Antigua & Barbuda, Argentina, Australia, Bahamas, Barbados, Bangladesh, Belize, Bolivia, Brazil, Cayman Islands, Colombia, Costa Rica, Côte d’Ivoire, Dominica Republic, Dominican Republic, Ecuador, Egypt, Europe, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Hong Kong, Japan, Kenya, Malaysia, Mexico, Morocco, New Zealand, Nigeria, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Senegal, Singapore, South Africa, Suriname, Thailand, Trinidad and Tobago, Turks & Caicos Islands, United Arab Emirates, Uganda, Uruguay, Zambia

Official source

Trading volume (30d): $5M | Cashback rate: 5% | Applies to spend up to (30d): $10,000.

Cashback is calculated in USD and paid out in WHYPE tokens to your Liquid bank account.

Official source

All trades on the Hyperbeat trade page count toward volume, including leveraged positions.

Official source

No. It's paid automatically in WHYPE within 48 hours of each transaction clearing.

Official source

Trading volume (30d) | Cashback rate | Applies to spend up to (30d) ; $1M | 3% | $3,300 ; $5M | 5% | $10,000 ; $10M | 8% | $12,500 ; $25M | 10% | $25,000 ; $50M+ | 12% | $41,700

Official source

You always earn the higher of the two on each dollar you spend. They don't stack — but they don't need to: the trading rate starts at 3% and goes to 12%, well above the everyday ceiling of 1%.

Official source

Spend beyond the cap simply earns your everyday rate (base + boosters). Nothing is lost; the boosted portion is just capped.

Official source

Each tier applies to card spend up to a rolling 30-day cap (the right-hand column). Within that cap, the trading rate replaces your everyday rate — you earn the higher of the two, not both added together.

Official source

Trading volume (30d): $1M | Cashback rate: 3% | Applies to spend up to (30d): $3,300.

Cashback is calculated in USD and paid out in WHYPE tokens to your Liquid bank account.

Official source

All trades on the Hyperbeat trade page count toward volume, including leveraged positions.

Official source

No. It's paid automatically in WHYPE within 48 hours of each transaction clearing.

Official source

Trading volume (30d) | Cashback rate | Applies to spend up to (30d) ; $1M | 3% | $3,300 ; $5M | 5% | $10,000 ; $10M | 8% | $12,500 ; $25M | 10% | $25,000 ; $50M+ | 12% | $41,700

Official source

You always earn the higher of the two on each dollar you spend. They don't stack — but they don't need to: the trading rate starts at 3% and goes to 12%, well above the everyday ceiling of 1%.

Official source

Spend beyond the cap simply earns your everyday rate (base + boosters). Nothing is lost; the boosted portion is just capped.

Official source

Each tier applies to card spend up to a rolling 30-day cap (the right-hand column). Within that cap, the trading rate replaces your everyday rate — you earn the higher of the two, not both added together.

Official source

Spender booster: +0.20%.

They stack. Holding $10,000 activates both Holder and Holdmaxxer (+0.40% together). Spending $10,000 in 30 days activates both Spender and Spendmaxxer (+0.40% together).

Official source

Cashback is calculated in USD and paid out in WHYPE tokens to your Liquid bank account.

Official source

No. It's paid automatically in WHYPE within 48 hours of each transaction clearing.

Official source

Spend boosters use a rolling 30-day window. They stay active as long as your trailing 30-day card spend stays above the threshold, so they need to be sustained.

Official source

Booster | How to unlock | Boost ; Holder | Hold $1,000 in USD / USD+ | +0.20% ; Holdmaxxer | Hold $10,000 in USD / USD+ | +0.20% ; Spender | Spend $1,000 on card in the last 30 days | +0.20% ; Spendmaxxer | Spend $10,000 on card in the last 30 days | +0.20%

Official source

Boosters are flat, not multiplicative. Each booster adds a flat +0.20% instead of multiplying your base rate — the math is simple enough to do in your head.

Official source

Trading volume (30d): $50M+ | Cashback rate: 12% | Applies to spend up to (30d): $41,700.

Cashback is calculated in USD and paid out in WHYPE tokens to your Liquid bank account.

Official source

All trades on the Hyperbeat trade page count toward volume, including leveraged positions.

Official source

No. It's paid automatically in WHYPE within 48 hours of each transaction clearing.

Official source

Trading volume (30d) | Cashback rate | Applies to spend up to (30d) ; $1M | 3% | $3,300 ; $5M | 5% | $10,000 ; $10M | 8% | $12,500 ; $25M | 10% | $25,000 ; $50M+ | 12% | $41,700

Official source

You always earn the higher of the two on each dollar you spend. They don't stack — but they don't need to: the trading rate starts at 3% and goes to 12%, well above the everyday ceiling of 1%.

Official source

Spend beyond the cap simply earns your everyday rate (base + boosters). Nothing is lost; the boosted portion is just capped.

Official source

Each tier applies to card spend up to a rolling 30-day cap (the right-hand column). Within that cap, the trading rate replaces your everyday rate — you earn the higher of the two, not both added together.

Official source

Holder booster: +0.20%.

They stack. Holding $10,000 activates both Holder and Holdmaxxer (+0.40% together). Spending $10,000 in 30 days activates both Spender and Spendmaxxer (+0.40% together).

Official source

Cashback is calculated in USD and paid out in WHYPE tokens to your Liquid bank account.

Official source

Hold boosters look at your current combined USD and USD+ balance (including USD+ posted as collateral). Keep the balance, keep the boost.

Official source

No. It's paid automatically in WHYPE within 48 hours of each transaction clearing.

Official source

Booster | How to unlock | Boost ; Holder | Hold $1,000 in USD / USD+ | +0.20% ; Holdmaxxer | Hold $10,000 in USD / USD+ | +0.20% ; Spender | Spend $1,000 on card in the last 30 days | +0.20% ; Spendmaxxer | Spend $10,000 on card in the last 30 days | +0.20%

Official source

Boosters are flat, not multiplicative. Each booster adds a flat +0.20% instead of multiplying your base rate — the math is simple enough to do in your head.

Official source

Everyday cashback base rate.

Cashback is calculated in USD and paid out in WHYPE tokens to your Liquid bank account.

Official source

No. It's paid automatically in WHYPE within 48 hours of each transaction clearing.

Official source

Everyone earns a 0.20% base rate on all card spend — no deposit required, no minimums.

Official source

The everyday rate has no spend cap. The trading rate applies to spend up to your tier's rolling 30-day cap (e.g. $12,500 at the 8% tier); spend beyond it earns your everyday rate.

Official source

You always earn the higher of the two on each dollar you spend. They don't stack — but they don't need to: the trading rate starts at 3% and goes to 12%, well above the everyday ceiling of 1%.

Official source

Holdmaxxer booster: +0.20%.

They stack. Holding $10,000 activates both Holder and Holdmaxxer (+0.40% together). Spending $10,000 in 30 days activates both Spender and Spendmaxxer (+0.40% together).

Official source

Cashback is calculated in USD and paid out in WHYPE tokens to your Liquid bank account.

Official source

Hold boosters look at your current combined USD and USD+ balance (including USD+ posted as collateral). Keep the balance, keep the boost.

Official source

No. It's paid automatically in WHYPE within 48 hours of each transaction clearing.

Official source

Booster | How to unlock | Boost ; Holder | Hold $1,000 in USD / USD+ | +0.20% ; Holdmaxxer | Hold $10,000 in USD / USD+ | +0.20% ; Spender | Spend $1,000 on card in the last 30 days | +0.20% ; Spendmaxxer | Spend $10,000 on card in the last 30 days | +0.20%

Official source

Boosters are flat, not multiplicative. Each booster adds a flat +0.20% instead of multiplying your base rate — the math is simple enough to do in your head.

Official source

Spendmaxxer booster: +0.20%.

They stack. Holding $10,000 activates both Holder and Holdmaxxer (+0.40% together). Spending $10,000 in 30 days activates both Spender and Spendmaxxer (+0.40% together).

Official source

Cashback is calculated in USD and paid out in WHYPE tokens to your Liquid bank account.

Official source

No. It's paid automatically in WHYPE within 48 hours of each transaction clearing.

Official source

Spend boosters use a rolling 30-day window. They stay active as long as your trailing 30-day card spend stays above the threshold, so they need to be sustained.

Official source

Booster | How to unlock | Boost ; Holder | Hold $1,000 in USD / USD+ | +0.20% ; Holdmaxxer | Hold $10,000 in USD / USD+ | +0.20% ; Spender | Spend $1,000 on card in the last 30 days | +0.20% ; Spendmaxxer | Spend $10,000 on card in the last 30 days | +0.20%

Official source

Boosters are flat, not multiplicative. Each booster adds a flat +0.20% instead of multiplying your base rate — the math is simple enough to do in your head.

Official source

Trading volume (30d): $25M | Cashback rate: 10% | Applies to spend up to (30d): $25,000.

Cashback is calculated in USD and paid out in WHYPE tokens to your Liquid bank account.

Official source

All trades on the Hyperbeat trade page count toward volume, including leveraged positions.

Official source

No. It's paid automatically in WHYPE within 48 hours of each transaction clearing.

Official source

Trading volume (30d) | Cashback rate | Applies to spend up to (30d) ; $1M | 3% | $3,300 ; $5M | 5% | $10,000 ; $10M | 8% | $12,500 ; $25M | 10% | $25,000 ; $50M+ | 12% | $41,700

Official source

You always earn the higher of the two on each dollar you spend. They don't stack — but they don't need to: the trading rate starts at 3% and goes to 12%, well above the everyday ceiling of 1%.

Official source

Spend beyond the cap simply earns your everyday rate (base + boosters). Nothing is lost; the boosted portion is just capped.

Official source

Each tier applies to card spend up to a rolling 30-day cap (the right-hand column). Within that cap, the trading rate replaces your everyday rate — you earn the higher of the two, not both added together.

Official source

Trading volume (30d): $10M | Cashback rate: 8% | Applies to spend up to (30d): $12,500.

Cashback is calculated in USD and paid out in WHYPE tokens to your Liquid bank account.

Official source

All trades on the Hyperbeat trade page count toward volume, including leveraged positions.

Official source

No. It's paid automatically in WHYPE within 48 hours of each transaction clearing.

Official source

Trading volume (30d) | Cashback rate | Applies to spend up to (30d) ; $1M | 3% | $3,300 ; $5M | 5% | $10,000 ; $10M | 8% | $12,500 ; $25M | 10% | $25,000 ; $50M+ | 12% | $41,700

Official source

You always earn the higher of the two on each dollar you spend. They don't stack — but they don't need to: the trading rate starts at 3% and goes to 12%, well above the everyday ceiling of 1%.

Official source

Spend beyond the cap simply earns your everyday rate (base + boosters). Nothing is lost; the boosted portion is just capped.

Official source

Each tier applies to card spend up to a rolling 30-day cap (the right-hand column). Within that cap, the trading rate replaces your everyday rate — you earn the higher of the two, not both added together.

Official source

Antigua & Barbuda, Argentina, Australia, Bahamas, Barbados, Bangladesh, Belize, Bolivia, Brazil, Cayman Islands, Colombia, Costa Rica, Côte d’Ivoire, Dominica Republic, Dominican Republic, Ecuador, Egypt, Europe, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Hong Kong, Japan, Kenya, Malaysia, Mexico, Morocco, New Zealand, Nigeria, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Senegal, Singapore, South Africa, Suriname, Thailand, Trinidad and Tobago, Turks & Caicos Islands, United Arab Emirates, Uganda, Uruguay, Zambia

Official source

Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, Wyoming, Wisconsin

Official source