Hyperbeat Pay Card
A Visa card from Hyperbeat's on-chain account on Hyperliquid: spend USDC or USDT, or borrow against BTC, ETH, SOL or HYPE without selling. 0.2% back, up to 1% with four boosters, more for big traders.
Key facts
- Cashback
- 0.2% to 12% in WHYPE
- Annual fee
- Not published
- FX fee
- Not published
- Top-up fee
- Not published
- Per-purchase fee
- None listed
- ATM
- Not published
- Card types
- virtual
- Mobile wallets
- Not published
Cashback: 0.2% on all card spending from the first purchase. Four boosters add 0.2% each, up to 1%: hold $1,000 (Holder) or $10,000 (Holdmaxxer) in USD or USD+, and spend $1,000 (Spender) or $10,000 (Spendmaxxer) over a rolling 30 days. Trading volume on Hyperbeat over 30 days raises the rate on part of your spending: 3% from $1M (on up to $3,300 of spending), 5% from $5M (up to $10,000), then 8% from $10M, 10% from $25M and 12% from $50M. Spending above the cap earns your everyday rate. Paid in WHYPE.
FX: Not published. Hyperbeat says conversion fees are shown before each transaction.
G2M score worldwide
Where it works
- IndiaNot confirmed
- UAENot confirmed
- United StatesAvailable
- United KingdomNot confirmed
- EU / EEANot confirmed
Worldwide except sanctioned countries (Cuba, Iran, North Korea, Sudan, Syria) and Ontario, Canada; US residents under a separate US card agreement; no full country list. Includes United States.
Countries
Available in 1 country
North America and the Caribbean 1
- United States
Not available in 5 countries
- Cuba
- Iran
- North Korea
- Sudan
- Syria
Hyperbeat Pay Card has not published a full country list, so the other 244 countries are not confirmed either way. Check with the issuer before you apply.
Banking features
- Bank account (IBAN or account number)
- Not confirmed
- Send money to a bank account
- Not confirmed
- Buy and sell crypto with fiat
- Buy and sell
- Spend against crypto without selling
- Yes
- Yield on your balance
- Yes
- ID check for people living abroad
- Not published
- Citizens turned away
- Not published
Tiers and plans
When a paid tier pays for itself against Everyday (price not published), with its yearly fee and monthly cashback cap counted.
- All boosters: can't be worked out, the price is not published.
- Trader $1M: can't be worked out, the price is not published.
- Trader $5M: can't be worked out, the price is not published.
| Tier | Cost per year | Cashback | Monthly cap | FX fee | How to get it | Perks |
|---|---|---|---|---|---|---|
| Everyday | Not published | 0.2% | — | Not published | Every user | Four boosters add 0.2% each: hold $1,000 or $10,000, spend $1,000 or $10,000 in 30 days |
| All boosters | Not published | 1% | — | Not published | Hold $10,000 in USD or USD+ and spend $10,000 over a rolling 30 days | — |
| Trader $1M | Not published | 3% up to $3,300/mo, 0.4% above $3,300 | — | Not published | $1M trading volume on Hyperbeat over 30 days | — |
| Trader $5M | Not published | 5% up to $10,000/mo, 0.6% above $10,000 | — | Not published | $5M trading volume on Hyperbeat over 30 days | — |
Real swipe receipt
What one purchase really costs on Hyperbeat Pay Card, with every fee and the cashback.
What's good
- Spend crypto without selling it, with Credit Mode
- Non-custodial account on Hyperliquid
- Cashback up to 12% for heavy traders
Watch out for
- Everyday cashback only 0.2% to 1%
- No published fee schedule (FX fee, annual fee)
- Virtual card only for now; borrowing can be liquidated if prices fall
More details
- Other fees
- Credit Mode: borrows beatUSD against BTC or WHYPE (50% of their value) or ETH, SOL and beHYPE (45%); the interest rate is set by the on-chain market · Physical card: waitlist · Hyperbeat publishes no card fee schedule
- Perks
- Credit Mode: spend against BTC, ETH, SOL or HYPE without selling · Savings, trading and card in one non-custodial account · Virtual card now, physical card waitlist
- Spend from
- USDC, USDT, BTC, ETH, SOL, HYPE, beHYPE
- Issuer
- Third National
Questions about the Hyperbeat Pay Card
- How much cashback does the Hyperbeat Pay Card pay?
- 0.2% to 12% back, paid in WHYPE.
- Is the Hyperbeat Pay Card custodial or non-custodial?
- Non-custodial: your funds stay in a wallet you control until you pay.
- Where can I get the Hyperbeat Pay Card?
- Worldwide except sanctioned countries (Cuba, Iran, North Korea, Sudan, Syria) and Ontario, Canada; US residents under a separate US card agreement; no full country list. Confirmed in United States.
Sources · last checked 4 Nov 2026
- Hyperbeat: the new cashback system (5 Aug 2026) · 4 Nov 2026
- Hyperbeat: Real-World Credit (collateral and loan-to-value) · 4 Nov 2026
- Hyperbeat: terms of use (card issuer, restricted countries, US residents) · 4 Nov 2026
- Hyperbeat docs: Hyperbeat Pay (Direct Pay and Credit mode) · 4 Nov 2026
- Hyperbeat app: cashback paid in WHYPE, physical card waitlist · 4 Nov 2026
Terms change often. Confirm fees and availability on the official Hyperbeat site before you apply. Spotted something out of date? Tell us.
