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Crypto Virtual Card:
Spend Like Cash

Convert your stablecoins into spending power instantly. Link your HoyaPay Virtual Card with Apple Pay or Google Pay for seamless transactions bridging the crypto world and daily life.

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My Cards
Reveal
Freeze
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Recent Transactions
Spotify
- $9.99
Amazon
- $45.20
Uber
- $15.50
Home
Card
Assets
Me
Dining
- 31 USDT Just now
Retail Store
- 204 USDT 2m ago
Travel & Flights
- 378 USDT 5m ago
VIRTUAL CARD FEATURES

HoyaPay Virtual Card:
Accepted Everywhere

Simply top up your HoyaPay wallet with crypto assets to fund your virtual card. Use Apple Pay or Google Pay to check out online and offline globally, just like a standard credit card.

Mobile Wallet Integration
One-tap addition to Apple Pay / Google Pay for contactless in-store payments.
Global Acceptance
Compatible with international e-commerce and booking platforms, at home or abroad.
Instant Liquidity
Stablecoin deposits convert to spending power automatically at point of sale.
Security & Control
Freeze cards instantly and adjust spending limits to safeguard every transaction.
Apply Now Fees & Limits
HoyaPay Card
HoyaPay Virtual Card
Pay with Touch ID
Done
VISA .... 8888
MULTI-DEVICE PAIRING

Bind Once,
Sync Seamlessly

HoyaPay supports cross-platform integration. Add your virtual card to your mobile wallet, and it automatically syncs to your paired smartwatch. Whether you use iPhone & Apple Watch or Android & Wear OS, enjoy a consistent payment experience. Phone not at hand? Just raise your wrist to pay.

  • Real-time sync between phone and watch
  • Supports Apple Wallet (iPhone & Apple Watch)
  • Supports Google Wallet (Android & Wear OS)
  • Pay from your wrist instantly
Apple Pay
Google Wallet
Alipay

Spend Crypto Assets Worldwide

Compatible with mobile wallets for daily expenses.

Online Shopping
Shop globally on major e-commerce platforms with your virtual card.
Dining & Lifestyle
Pay for restaurants, cafés, food delivery, and everyday lifestyle spending.
Travel & Stays
Book flights and accommodations worldwide, online or on the go.
Gaming & Tech
Buy games, apps, and digital services across popular tech platforms.
Subscriptions
Manage recurring payments for streaming, tools, and online subscriptions.
USDH Rewards

Activate, Spend, Refer
Unlock USDⒽ Rewards

USDⒽ is the reward unit within the HoyaPay ecosystem. Accumulate rewards through specific card actions and usage scenarios based on campaign rules. Use them to offset services or access features (as displayed in the App).

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Note: USDⒽ is not fiat currency, e-money, or an investment instrument. Campaign rules, eligibility, restrictions, and distribution methods may vary by region, tier, and period. Please refer to the App for final details.

Activation Reward
Complete card setup or meet campaign criteria to potentially earn USDⒽ.
Per Conditions Subject to App
Spending Reward
Earn USDⒽ on eligible card spending (varies by category, period, or tier).
Exclusions Apply Rules May Change
Referral Reward
Earn extra USDⒽ when your invitees invite new users (calculated per rules).
Non-Guaranteed Subject to App
Campaign Details (Summary)
Reward usability, distribution timing, and applicable conditions are subject to change based on campaign periods, user tiers, regional restrictions, and risk control rules. The platform reserves the right to update and interpret campaign rules; please refer to the in-app activity page for the most current information.

Frequently Asked Questions

Everything you need to know about HOYAPAY.

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How compliant and secure is HoyaPay?
HoyaPay adopts bank-grade security standards. We partner with top-tier compliance provider Sumsub for KYC/KYB verification and use Fireblocks for MPC wallet custody to ensure funds remain absolutely secure. Additionally, we partner with Chainalysis and TRM Labs for 24/7 on-chain risk monitoring, fully complying with international AML (Anti-Money Laundering) regulations.
How to apply for the HoyaPay Virtual Mastercard?
The application process is simple: Download the HoyaPay App -> Complete Identity Verification (KYC) -> Top up USDT -> Tap "Apply Card" in the App. Once issued, you can instantly bind the card to Apple Pay or Google Pay to start spending at Mastercard-supported merchants worldwide.
What types of payments can the USD Virtual Account receive?
Your HoyaPay USD account supports receiving payroll from US companies, commercial payments (e.g., Upwork, Freelancer, Stripe, Amazon, etc.), and bank transfers via ACH or Wire networks. This acts as a personal US offshore bank account, functionally similar to PayPal or Wise USD accounts, but with lower fees and faster speeds.

About HOYAPAY Global Financial Services

HoyaPay — Operated by Better-Pro Limited. Better-Pro Limited is registered as a Money Services Business (MSB) with FinCEN, MSB Registration Number: 31000242809657. Third-party names, logos, and trademarks referenced on this site are for identification purposes only to describe goods and services available to HoyaPay users. Unless explicitly stated otherwise, trademark holders are not affiliated with HoyaPay, Better-Pro Limited, or this website, and do not sponsor, endorse, or support this platform. All trademarks remain the property of their respective owners; such references constitute "nominative fair use" under applicable trademark law. Content on this site is for general informational purposes only and does not constitute financial, investment, or legal advice. HoyaPay is not a bank or licensed financial institution; HoyaPay is a fintech company providing platform interfaces, functional services, and account management.

USD and EUR account services provided by HoyaPay are technically supported and managed by Bridge Ventures LLC ("Bridge"). Bridge is not a bank; all underlying banking services for relevant fiat accounts are provided by Bridge's partner banks and are subject to their terms and regulatory requirements. Users should review the applicable terms and privacy policies of HoyaPay, Bridge, and partner banks to understand relevant fees, restrictions, and potential risks.