Hyperbeat Pay is a crypto-native Visa card built for the Hyperliquid ecosystem.
It lets you use funds in your Hyperbeat account at Visa merchants without first selling your crypto through a centralized exchange and withdrawing the money to a bank. It also offers a Credit Mode that lets eligible users borrow USD against supported assets instead of selling them.
For first-time users, however, I recommend starting with Cash Mode. It uses an existing USD balance and does not expose you to borrowing interest or liquidation risk.
Hyperbeat Pay referral link
Create a Hyperbeat Pay accountReferral code:
HZ5K46E5
Disclosure: This is a referral link. New users may receive a deposit bonus if they meet the applicable requirements. I may also receive a referral reward, at no additional cost to you.
What Is Hyperbeat Pay?
Hyperbeat Pay combines a HyperEVM smart-contract account, called a Liquid Bank account, with a Visa payment card.
Its main features include:
- Spending an available USD balance directly
- Borrowing USD against supported crypto assets without selling them
- Paying online and in stores wherever the card is accepted
- Adding the card to Apple Pay or Google Wallet
- Depositing native BTC, ETH and SOL
- Earning WHYPE cashback on eligible card purchases
- Holding assets in a smart-contract account where the user is the Owner
One of the biggest differences between Hyperbeat Pay and a typical prepaid crypto card is the choice between Cash Mode and Credit Mode.
| Mode | How payment works | Interest | Main risks |
|---|---|---|---|
| Cash Mode | Uses the available USD balance in your account | None | Insufficient balance, FX costs and card restrictions |
| Credit Mode | Borrows USD against supported collateral | Variable | Interest, falling collateral value and liquidation |
For everyday spending, Cash Mode is the simpler and safer option for most users.
Supported Countries
As of July 2026, Hyperbeat Pay lists both Malaysia and Japan as supported jurisdictions. The supported list also includes Singapore, Thailand, Hong Kong, Australia, the United Arab Emirates and a number of other countries.
Availability can still differ by feature. Card issuance, Credit Mode and fiat deposits or withdrawals may be rolled out on different schedules in each region. Always enter your legal country of residence correctly and treat the features displayed in your account as the current source of truth.
How to Sign Up for Hyperbeat Pay
1. Open the referral link
Start by opening the following Hyperbeat Pay link:
To qualify for any referral offer, open the referral link before creating your account.
2. Register your email and create a passkey
Enter your email address and use the verification code sent to your inbox. You will then be asked to create a passkey using Face ID, fingerprint recognition or your device passcode.
Because the passkey is used to access and manage your account, set it up on a personal device that you control.
3. Complete identity verification
You must complete identity verification before receiving a Hyperbeat Pay card. You will normally need:
- A government-issued photo ID, preferably a passport
- A selfie and liveness check
- Proof of address, if required in your region
If proof of address is requested, prepare a bank statement or utility bill issued within the last three months that clearly shows your full name and address.
Hyperbeat says verification is normally approved in around two minutes when the submitted information is correct. Blurry images, expired documents and mismatched names, dates of birth or addresses can delay the process.
4. Create a virtual card
After your identity has been approved, open the card section and issue a virtual card. Its card number, expiration date and CVV can be viewed inside the app.
Hyperbeat’s help center says virtual cards are issued instantly and that users can create up to five virtual cards. The availability of a physical card may change, so check the current options shown in your account.
How to Deposit Funds into Hyperbeat Pay
Depositing crypto
The general crypto deposit process is:
- Open Hyperbeat Pay and select Add funds.
- Select Crypto.
- Choose the asset you want to deposit.
- Copy the unique deposit address displayed for that asset.
- Send the funds from your wallet or exchange.
- Check the deposit status in Transaction History.
Native deposits currently include assets such as BTC, ETH and SOL. After arrival, they are represented by Unit assets such as UBTC, UETH and USOL, which can be held, traded or used as eligible collateral.
Make sure the asset and network match exactly. Sending a different token or using the wrong network may result in permanent loss. A small test transfer is always sensible before moving a larger amount.
Native BTC, ETH or SOL deposits are not the same as the spendable USD balance used by Cash Mode. If you want to use Cash Mode, follow one of the supported methods displayed in the app to fund your available USD balance.
Depositing from a bank
Hyperbeat Pay also supports bank deposits in USD and EUR through the following payment rails:
- USD: ACH, Fedwire or SWIFT
- EUR: SEPA
Open Pay, select Add funds, choose Fiat, and then select your currency. First-time fiat users may need to complete an additional identity check with Hyperbeat’s payment partner.
After the bank transfer has been received and converted, a Sign to finalize button will appear in the transaction history. Sign the transaction to complete the deposit into your Liquid Bank account.
Direct deposits in JPY or MYR depend on regional availability. If the option is not displayed in your account, do not try to force an unsupported transfer; use one of the available crypto or bank deposit routes instead.
How to Pay with Cash Mode
Cash Mode deducts each card payment from your available USD balance. It does not involve a loan, so there is no borrowing interest or collateral liquidation risk.
- Set the active spending mode to Cash.
- Confirm that your available USD balance is sufficient.
- Pay at a Visa merchant using the card or mobile wallet.
- Review the payment in Transaction History.
Your spending power is generally limited to your available USD balance. Funds deposited in USD+ Savings are excluded from the immediately spendable balance.
For your first payment, try a small purchase of approximately $5 to $10 before relying on the card for a larger transaction.
How Credit Mode Works
Credit Mode lets you borrow USD against supported assets and use the borrowed funds for card payments. This allows you to spend without selling your collateral, but it works very differently from a conventional credit card.
- A variable borrowing rate starts accruing as soon as USD is borrowed.
- There is no interest-free grace period or monthly billing cycle.
- The current borrowing APR is displayed in the app.
- Debt must be repaid using the USD balance in your Liquid Bank account.
- A fall in collateral value may trigger an automatic liquidation.
According to Hyperbeat’s March 2026 documentation, the main supported collateral assets and loan-to-value ratios were:
| Collateral | LTV |
|---|---|
| UBTC | 50% |
| UETH | 45% |
| USOL | 45% |
| WHYPE | 45% |
| beHYPE | 45% |
| XAUT | 40% |
| USD+ | 75% |
Supported collateral and LTV parameters can change. Avoid borrowing close to the maximum limit and leave a substantial buffer for a sudden fall in collateral value.
For ordinary daily spending, I prefer Cash Mode. Credit Mode is better suited to users who fully understand variable rates, LTV and on-chain liquidation.
Adding Hyperbeat Pay to Apple Pay or Google Wallet
Apple Pay
- Open your Hyperbeat Pay card and select Details.
- View or copy the card information.
- Open Apple Wallet and tap the + button.
- Select Debit or Credit Card.
- Choose the option to add a different card and enter the details.
On mobile, an Add wallet button may let you add the card directly from Hyperbeat Pay.
If Apple Wallet rejects the card, check that both the iPhone region and Apple ID country are set to a country where Apple Pay is supported.
Google Wallet follows a similar process. Add the card manually using its details or use the Add wallet option if it is available in Hyperbeat Pay.
Hyperbeat Pay Fees and Limits
As of July 2026, Hyperbeat’s official help center lists the following consumer card fees and limits:
| Item | Fee or limit |
|---|---|
| Card payment FX cost | 0.4% to 1% |
| ATM withdrawal | $1 plus 0.65% |
| ATM balance inquiry | $0.60 |
| Declined ATM transaction | $0.60 |
| Default monthly card spending limit | $100,000 |
| Virtual cards | Up to five |
| Credit Mode borrowing rate | Variable and displayed in-app |
When a terminal asks whether you want to pay in your home currency, USD or the local currency, select the local currency. The alternative is often Dynamic Currency Conversion, or DCC, which usually adds an expensive merchant markup.
For example, choose MYR in Malaysia, JPY in Japan and SGD in Singapore.
Fees and limits can change. Check the app and official help center before making a large purchase or ATM withdrawal.
WHYPE Cashback
Eligible Hyperbeat Pay card purchases earn cashback calculated in USD and paid in WHYPE to the user’s Liquid Bank account.
The base cashback rate depends on eligible balances held across Hyperbeat:
| Tier | Eligible deposits | Base cashback |
|---|---|---|
| Liquid | Below $1,000 | 0.25% |
| Liquid Pro | $1,000 to $10,000 | 0.40% |
| Liquid Elite | $10,000 or more | 0.55% |
The following activity boosters can increase that base rate:
| Booster | Requirement | Increase |
|---|---|---|
| Spender | Spend at least $1,000 on the card over the last 30 days | +50% |
| Trader | Reach $250,000 in trading volume over the last 30 days | +25% |
| Saver | Hold at least $1,000 in USD+ | +25% |
The boosters can increase the base rate by a maximum of 100%, effectively doubling it. Cashback is normally sent as WHYPE after the card transaction clears, which can take up to 48 hours.
Do not deposit a large balance solely to increase the cashback rate. Consider smart-contract, protocol and asset risks as well as the potential reward.
Hyperbeat Referral Deposit Bonus
New users who register through a valid referral link and maintain a qualifying USD deposit for three months may receive a one-time bonus.
| Initial qualifying deposit | Bonus |
|---|---|
| $1,000 | $5 |
| $5,000 | $20 |
| $10,000 | $40 |
| $50,000 | $100 |
| $100,000 | $200 |
The bonus remains locked for three months. If your balance falls below the required minimum during that period, the bonus may be reduced or cancelled.
Your tier is determined when the initial qualifying deposit is made. Adding more funds later does not upgrade the original bonus tier.
Join Hyperbeat Pay with the referral link
Referral code:
HZ5K46E5
Important Risks and Restrictions
Credit Mode carries liquidation risk
Credit Mode is not a conventional credit card balance that you simply pay at the end of the month. It is a collateralized DeFi loan. A sharp fall in collateral value can trigger liquidation without waiting for manual approval.
Self-custody does not eliminate every risk
Hyperbeat uses a smart-contract account where the user is the Owner. The Operator used to settle card transactions has restricted permissions and is limited by the spending allowance set for the account.
However, this does not remove smart-contract, connected DeFi protocol, oracle, bridge, card issuer or payment-partner risk. Start with an amount you expect to spend rather than moving all of your living funds into the service.
Some merchant categories are blocked
Even when a merchant accepts Visa, certain categories are not supported. Hyperbeat’s restricted list includes money transfers and quasi-cash transactions, securities brokers, online gambling and betting, some jewelry businesses and various government-related payments.
Acceptance may also depend on the merchant’s own policy and the billing address attached to the card.
Features vary by jurisdiction
Card availability, Credit Mode and fiat payment rails may differ depending on your legal residence and Hyperbeat’s regional partners. The options visible in your verified account should take priority over any older guide.
Who Is Hyperbeat Pay Best For?
Hyperbeat Pay may be a good fit if you:
- Regularly use Hyperliquid or HyperEVM
- Want to reduce the need to cash out through a centralized exchange
- Need a crypto-linked Visa card for spending across countries
- Want to pay through Apple Pay or Google Wallet
- Understand the risks of borrowing against crypto collateral
If you are new to DeFi or unfamiliar with wallets and liquidation, begin with a small Cash Mode balance and avoid Credit Mode until you understand how it works.
Final Thoughts
Hyperbeat Pay connects Hyperliquid trading and on-chain assets with everyday Visa payments.
After creating an account, completing KYC, funding the Liquid Bank account and adding the virtual card to Apple Pay or Google Wallet, you can use it at supported Visa merchants.
The most important point is to understand the difference between Cash Mode and Credit Mode. Start with a small Cash Mode payment, always choose the merchant’s local currency, and only use Credit Mode if you are comfortable with variable interest, LTV and liquidation risk.
Create a Hyperbeat Pay account
Referral code:
HZ5K46E5
This article is based on official information available on July 15, 2026. Crypto and DeFi involve price, smart-contract, borrowing and liquidation risks. This article is for informational purposes only and is not financial or investment advice.
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