Hyperbeat Card Own it. Earn it. Spend it
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0.25% |
| NEED KYC | YES |
| FX FEE | UP TO 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | $100,000/MO |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0.40% |
| NEED KYC | YES |
| FX FEE | UP TO 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | $100,000/MO |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0.55% |
| NEED KYC | YES |
| FX FEE | UP TO 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | $100,000/MO |
- $100,000 monthly spending cap, not user-configurable.
THE REAL STORY ON THIS CARD.
- Unique "Spend Without Selling" model: borrow against crypto/stocks/gold, assets keep earning yield
- Tiered cashback up to 1.10% with booster stacking
- Virtual cards FREE with up to 20 cards
- Credit Mode APR only 0.05%
- AI Agent Cards for autonomous spending
- Visa Signature tier with airport lounge access
- Native multi-chain deposits (BTC, ETH, SOL)
- Self-custody
- iOS and Android apps LIVE
- Up to 8% APY yield on savings
- Cashback paid in WHYPE tokens, not USD
- Credit Mode debt cannot be repaid by selling collateral, must deposit fresh USD
- Physical card still "coming soon", no timeline
- ATM fees ($1 + 0.65%) relatively high
- Card replacement fee NOT DISCLOSED
- Inactivity fee NOT DISCLOSED
- 12.68% liquidation bonus means heavy penalty if liquidated
GENERAL QUESTIONS.
Hyperbeat is the premier super app for your money. It combines fiat-crypto conversion, high-yield savings accounts, a crypto-backed credit card, and more - all in one non-custodial platform.
No, Hyperbeat is not a bank. Hyperbeat is a non-custodial financial platform that gives you full control over your assets while providing banking-like services powered by blockchain technology.
Your assets are held in non-custodial smart contracts, meaning you always retain full control. Hyperbeat never has access to your private keys or funds.
Hyperbeat is transparent about all fees. Conversion fees are clearly shown before any transaction, and there are no hidden charges.
Yes, you can withdraw your assets at any time. Your funds are never locked and you maintain full control over your assets.
You can use your Hyperbeat credit card anywhere that accepts major card networks. Spend against your crypto portfolio without selling your assets.
As with any financial product, there are risks including smart contract risk, market volatility, and liquidation risk for credit card borrowing. We recommend understanding these risks before using the platform.
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