Hyperbeat crypto card on HyperEVM: WHYPE cashback and fees

Hyperbeat Card Overview

Hyperbeat Card Key features

• Cash mode

  Spend funded stables or beatUSD from your Liquid Bank account. This mode does not create a loan.

• Credit mode

  Post accepted crypto collateral and borrow beatUSD through isolated Morpho Blue markets on HyperEVM. Interest starts immediately, and liquidation risk applies if your collateral falls.

• Self-custody wallet

  Your assets stay in a user-controlled smart wallet rather than on a centralized exchange. Smart contract, oracle, liquidation, issuer, and compliance risks still apply.

• Virtual Visa card

  Issue a virtual Visa card for free after completing KYC. You can add it to Apple Pay or Google Wallet.

• Multiple virtual cards

  The product supports multiple virtual cards for uses such as subscriptions, travel, and agent payments. Reviewers cite up to five cards, but confirm the current limit in the app.

• Physical Visa card

  A stainless steel Visa Signature card is available through a waitlist after you have a virtual card and complete KYC. The physical card is also the option described for ATM use.

• WHYPE cashback

  Eligible everyday spending starts at 0.20% cashback in WHYPE, paid about 48 hours after the purchase posts. Activity boosters can raise the everyday rate to 1.0%, while a separate trader ladder advertises rates up to 12% on capped spend.

• Stablecoin yield

  Liquid Bank markets advertise up to about 8% APY on eligible stable balances. Rates, eligibility, and any vault fees can change.

• Fiat bank rails

  Noah provides cited USD ACH and FedWire support, plus EUR SEPA accounts with IBAN-style details. Supported withdrawal currencies can vary.

• Native crypto deposits

  The Liquid Bank supports deposits described as native BTC, ETH, and SOL, alongside Hyperliquid assets such as HYPE, WHYPE, and beHYPE. Assets must reach the HyperEVM account before card spending.

• Agent cards

  Dedicated virtual cards can have per-transaction and daily caps for AI agents or recurring payments. The cards remain linked to your KYC-verified account.

• Hyperliquid account link

  Liquid Banking sits alongside Hyperliquid trading accounts. Trading proceeds can fund Cash mode or provide collateral for Credit mode.

• Visa merchant spending

  The card uses Visa rails for merchant payments after you fund the account or post collateral. Card settlement takes place on HyperEVM.

• Published card fees

  Published reviews list $0 for virtual issuance and annual or monthly card fees. Reported foreign exchange fees range from 0.4% to 1%, while ATM withdrawals are listed at $1 plus 0.65%, before any operator surcharge.

Hyperbeat Card Fees

• Virtual issuance Virtual card issuance is free.
• Card service fees Published reviews list $0 annual and monthly card fees, with no per-purchase fee listed beyond network and FX charges.
• Foreign exchange Non-USD spending has a 0.4 percent to 1 percent FX charge on top of Visa conversion.
• ATM withdrawals ATM withdrawals cost $1 plus 0.65 percent, while operator surcharges can apply and balance inquiries or declined ATM transactions appear around $0.60.
• Credit and protocol costs Credit mode uses a variable Morpho utilization rate that accrues immediately, while users pay on-chain gas and separate vault or protocol fees may apply.

Hyperbeat Card Supported networks

• HyperEVM
• Bitcoin
• Ethereum
• Solana

How to use Hyperbeat Card

1. 1

   Open your account

   Download Hyperbeat Pay from the iOS App Store or Google Play, or open app.hyperbeat.org. Create or connect a wallet, then open a Liquid Bank account.

2. 2

   Verify your identity

   Complete the required KYC process in the app before you request a card.

3. 3

   Fund your account

   Send supported crypto from a wallet you control or use supported bank rails to fund the Liquid Bank account. Use a funded stable balance for Cash mode, or post supported collateral before choosing Credit mode.

4. 4

   Issue your virtual card

   Open the cards page and issue a virtual card. Add it to Apple Pay or Google Wallet if you want to pay by phone.

5. 5

   Make your first payment

   Choose Cash mode or Credit mode, then use the card at a Visa merchant. Credit mode starts accruing variable Morpho borrow interest immediately and requires you to monitor the collateral health factor.

Hyperbeat Card Videos

Hyperbeat Card Screenshots

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Hyperbeat Card User Reviews

• 

  @CryptoArtClub2 Sep 18, 2026

  When you are waiting for your pizzas in south of France that you just paid with your hyperliquid:native using @hyperbeat credit card
  Life could be worse
  Santé

  View on X ↗
• 

  @CrptoJuande Aug 21, 2026

  @hyperbeat works really great, I'm really happy with my card 🙂

  View on X ↗
• 

  @txHash_Hopper Aug 9, 2026

  . @hyperbeat has become a great solution for online payments since my @ready_co card abruptly stopped working
  If you're looking for a solid neobank alternative and a $HYPE maxi, join HASHHOPPER team:
  https://app.hyperbeat.org/dapp/pay?ref=HASHHOPPER
  Hyperliquid.

  View on X ↗

Hyperbeat Card Review

Hyperbeat funding

• Founded by Kilian Boshoff and 800.HL co-founded Hyperbeat in 2024 after starting as early Hyperliquid users and becoming builders.
• Seed - 15 Aug (year not stated) Hyperbeat raised $5.2 million in an oversubscribed seed round co-led by ether.fi Ventures and Electric Capital.

Hyperbeat Card Updates

1. 

   Hyperbeat Sep 17, 2026 · 13:48
   Did you know the more you trade, spend and refer with Liquid Banking, the more you can earn back? With cashback and referral rewards paid in $HYPE.
   Trade, take profit, sweep to card, spend, invite friends, earn more.

   

   1 more in this thread

   Sign-up to grow your rewards and bring your friends in! https://app.hyperbeat.org/pay
   • 4 replies
   • 1 reposts
   • 33 likes
   • 3.2K views
2. 

   Hyperbeat Sep 12, 2026 · 16:44
   5% cashback on @Apple purchases on up to $2,500 spend, online or in-store.
   Live until Monday.

   

   1 more in this thread

   https://hyperbeat.org/blog/apple-cashback-campaign
   • 23 replies
   • 5 reposts
   • 149 likes
   • 9K views
3. 

   Hyperbeat Sep 11, 2026 · 13:58
   Looking to buy the new iPhone 18 Pro?
   Starting tomorrow at 12 PM UTC, Liquid Banking users get 5% cashback on @Apple purchases for 72 hours, online or in-store.
   New iPhone season, on us.

   

   1 more in this thread

   Read the full conditions and sign up for Liquid Banking now!
   https://hyperbeat.org/blog/apple-cashback-campaign
   • 14 replies
   • 1 reposts
   • 110 likes
   • 15.9K views
4. 

   Hyperbeat Sep 10, 2026 · 14:30
   You’re already getting paid for picking the right players every week.
   Now you can get paid for calling the matches too:
   Premier League markets powered by @Outcomexyz are live with $1M in rewards for traders.
   More ways to get rewarded for knowing football.

   2 more in this thread

   Start with your FPL team:
   Create, import your team and mini-league, bring in your managers to compete every week.
   Then boost your rewards through Liquid Banking with card spend and trading volume across perps and outcome markets.
   More activity, more ways to earn every week throughout the season.

   

   Build your team, earn for your FPL performance, trade the matches and earn again.
   Football season on Liquid Banking just got a lot more interesting, join now! https://app.hyperbeat.org/pay
   • 19 replies
   • 8 reposts
   • 122 likes
   • 158.9K views
5. 

   Hyperbeat Sep 9, 2026 · 09:53
   Your metal card is coming.
   Get on the waitlist before everyone else does.

   1 more in this thread

   Get it here: https://app.hyperbeat.org/pay/app/cards
   • 18 replies
   • 3 reposts
   • 124 likes
   • 9.7K views
6. 

   Hyperbeat Sep 7, 2026 · 12:53
   Have $BTC, $ETH, $SOL, $HYPE or Gold you don’t want to sell just to access liquidity?
   Use them as collateral with Liquid Banking Credit Mode and fund your trading account instead.
   Stay exposed, stay liquid.

   1 more in this thread

   Not yet on Liquid Banking?
   Start trading on @hyperliquidx orderbook, spending on credit, saving and on/offramping +10 currencies all from one self-custodial account.
   Get your Liquid Banking account now! https://app.hyperbeat.org/pay
   • 14 replies
   • 9 reposts
   • 70 likes
   • 5.8K views
7. 

   Hyperbeat Sep 3, 2026 · 10:04
   Liquid Banking is becoming the n°1 onramp and offramp for traders and the fastest way to move capital between crypto and @IBKR.
   Read how we built the rails with Noah.
   • 11 replies
   • 8 reposts
   • 86 likes
   • 15.4K views
8. 

   Hyperbeat Sep 2, 2026 · 14:41
   Introducing the first $MXN (Mexican Peso) offramp on @Hyperliquidx
   Receive $MXN in your Mexican bank account or any other $MXN account 🇲🇽
   Liquid banking.

   

   1 more in this thread

   Not yet on Liquid Banking?
   Start trading on @hyperliquidx orderbook, spending on credit, saving and on/offramping +10 currencies all from one self-custodial account.
   Get your Liquid Banking account now! https://app.hyperbeat.org/pay
   • 14 replies
   • 3 reposts
   • 65 likes
   • 7.8K views
9. 

   Hyperbeat Sep 1, 2026 · 11:42
   Friendly reminder that the physical card waitlist is still open and ordering will be available very soon.

   1 more in this thread

   Get it here: https://app.hyperbeat.org/pay/app/cards
   • 28 replies
   • 7 reposts
   • 114 likes
   • 20.6K views
10. 

    Hyperbeat Sep 1, 2026 · 09:02
    Introducing the first $ZAR (South African Rand) offramp on @HyperliquidX
    Receive $ZAR in your South African bank account or any other $ZAR account 🇿🇦
    Liquid banking.

    

    1 more in this thread

    @HyperliquidX Not yet on Liquid Banking?
    Start trading on the @hyperliquidx orderbook, spending on credit, saving and on/offramping +11 currencies all from one self-custodial account. appapp
    Get your Liquid Banking account now!
    https://app.hyperbeat.org/pay
    • 11 replies
    • 4 reposts
    • 47 likes
    • 6.5K views

Hyperbeat Card Reviews & Comments

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