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 Nov 11, 2026 · 14:51
   Call it, trade it, spend it.
   The new Predict homepage brings sports, crypto and economics markets into one view on Liquid Banking.
   Close a position, sweep profits to your card and spend it the same day.

   

   1 more in this thread

   Sign-up, predict and get cashback paid in $HYPE! https://app.hyperbeat.org/pay
   • 4 replies
   • 2 reposts
   • 19 likes
   • 2.7K views
2. 

   Hyperbeat Nov 5, 2026 · 09:37
   This is why we built Liquid Banking.
   Your account itself can’t be frozen or blocked by anyone (Including us).
   All Paraguay citizens can:
   - Get a Hyperbeat Pay card (Spend anywhere in the world)
   - Virtual bank accounts: Paraguay residents can open both $USD and $EUR virtual accounts for deposits and withdrawals. You can earn in foreign currency and spend in Paraguay.
   Take control of your money.
   • 12 replies
   • 5 reposts
   • 50 likes
   • 21.5K views
3. 

   Hyperbeat Nov 4, 2026 · 14:31
   Anthropic pre-IPO ($ANTH) open interest just crossed $110M and keeps climbing.
   Trade it on Liquid Banking, take profit, spend it on your Claude subscription and earn $HYPE back.

   
   • 4 replies
   • 5 reposts
   • 27 likes
   • 2.5K views
4. 

   Hyperbeat Nov 2, 2026 · 13:45
   Get paid, trade 24/7 markets on @HyperliquidX and spend anywhere in the world.
   • 3 replies
   • 1 reposts
   • 28 likes
   • 3K views
5. 

   Hyperbeat Oct 28, 2026 · 12:21
   Trading FOMC day volatility?
   Do it on Liquid Banking, sweep profits to your card and get $HYPE back for spending.

   
   • 3 replies
   • 3 reposts
   • 19 likes
   • 2.3K views
6. 

   Hyperbeat Oct 26, 2026 · 16:02
   Don't sell, borrow.
   Have $HYPE, $BTC, $ETH, $SOL or Gold you don't want to sell just to access liquidity? With Liquid Banking Credit Mode, use them as collateral and fund your trading account instead.
   Stay exposed, stay liquid.

   
   • 3 replies
   • 25 likes
   • 2.7K views
7. 

   Hyperbeat Oct 22, 2026 · 13:03
   Trade crypto, stocks and more 24/7 with Liquid Banking.
   Take profit, sweep it to your card balance in under 30 seconds, spend it straight away and get $HYPE back on your purchases.
   Markets move fast. Your money should too.
   • 9 replies
   • 2 reposts
   • 44 likes
   • 3.5K views
8. 

   Hyperbeat Oct 20, 2026 · 10:36
   Need cash, but don’t want to sell?
   Switch your Hyperbeat account to credit mode.
   Your $BTC, $XAUt, $ETH, $SOL and $HYPE back what you spend.
   Your assets stay yours.
   • 7 replies
   • 4 reposts
   • 33 likes
   • 3.2K views
9. 

   Hyperbeat Oct 19, 2026 · 13:46
   Trade on @HyperliquidX orderbook,
   Spend with your card,
   Earn $HYPE on every purchase,
   Your physical card is almost here.

   
   • 8 replies
   • 8 reposts
   • 50 likes
   • 3.4K views
10. 

    Hyperbeat Oct 13, 2026 · 12:03
    Spending has never been this rewarding for onchain traders.
    With Liquid Banking, trade on @HyperliquidX orderbook, take profit, sweep to card and go live your life. Every purchase earns you cashback in $HYPE, and the more you trade, the more you earn back.
    Trade, spend, earn $HYPE.
    • 6 replies
    • 7 reposts
    • 37 likes
    • 7.1K views
11. 

    Hyperbeat Oct 9, 2026 · 13:56
    $150M+ traded through Liquid Banking.
    Every day, more traders are using one account to trade, take profit, spend and get rewarded for the activity they already do.
    The more you trade, the higher your card cashback can go with up to 12% paid in $HYPE.

    

    1 more in this thread

    Not a Liquid Banking user yet?
    Start trading on @hyperliquidx orderbook, spending on credit, saving and on/offramping +10 currencies all from one self-custodial account. https://app.hyperbeat.org/pay
    • 6 replies
    • 5 reposts
    • 33 likes
    • 4.6K views
12. 

    Hyperbeat Oct 5, 2026 · 09:54
    Coming to the @HyperliquidX community event in Singapore later today?
    Stop by our booth, take a photo, post it or show off your merch and we’ll pick 5 people to receive a free physical Liquid Banking card.

    
    • 4 replies
    • 6 reposts
    • 56 likes
    • 4.6K views
13. 

    Hyperbeat Sep 30, 2026 · 09:10
    The more you trade with Liquid Banking, the more cashback you unlock on your card spend.
    Your rolling 30-day trading volume determines your rate, starting at 3% and scaling up to 12% for the most active traders.
    Trade, take profit, move funds to your card balance and get more cashback paid in $HYPE.

    

    1 more in this thread

    And it doesn’t stop with your own activity.
    Refer traders and earn a share of the trading revenue and cashback they generate, with commission rates scaling from 5% up to 12% based on your network’s 30-day volume.
    Sign up, get your referral link, and start building your network! http://app.hyperbeat.org/pay
    • 5 replies
    • 1 reposts
    • 33 likes
    • 7.2K views
14. 

    Hyperbeat Sep 25, 2026 · 15:09
    There are two kinds of Liquid Banking users on Fridays:
    The ones taking profit, sweeping to card and spending it over the weekend.
    And the ones opening positions because when you trade @HyperliquidX orderbook, markets never sleep.
    Which one are you?

    
    • 6 replies
    • 1 reposts
    • 138 likes
    • 3.2K views
15. 

    Hyperbeat Sep 23, 2026 · 16:26
    Spending has never been this easy for onchain traders.
    Open a position, go live your life and when it’s time, sweep your profits straight to your card in one click.
    Open a position, take profit, spend.

    1 more in this thread

    Not on Liquid Banking yet?
    Start trading on @hyperliquidx orderbook, spending on credit, saving and on/offramping +10 currencies all from one self-custodial account. https://app.hyperbeat.org/pay
    • 7 replies
    • 1 reposts
    • 108 likes
    • 4.8K views
16. 

    Hyperbeat Sep 21, 2026 · 16:13
    Looks good in someone else’s hand but it would look better in yours.

    1 more in this thread

    Join the waitlist now! https://app.hyperbeat.org/pay/app/cards
    • 9 replies
    • 1 reposts
    • 106 likes
    • 6.2K views

Hyperbeat Card Reviews & Comments

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