About HoyaPay
HoyaPay is a global money movement platform serving both individuals and businesses, dedicated to connecting cross-border collections, multi-currency fund management, fiat and stablecoin conversion, and global payouts and settlement. Through multi-currency accounts, cross-border collections and payments, and USDT/USDC conversion, we help users manage global funds more clearly and flexibly.
We aim to lower the barriers across account opening, currency exchange, transfers, and payments found in traditional cross-border financial services, so individuals and businesses can receive, convert, allocate, and use funds on a single platform.
WHAT WE DO
Making Cross-Border Funds Flow Simpler & More Trustworthy
HOYAPAY builds on compliance, security, and scalability to create more predictable payment processes, reducing cross-border friction so you can focus on life and what matters.
Global Multi-Currency Accounts, Flexible Cross-Border Fund Management
Provides US dollar accounts (ACH/Wire), Hong Kong dollar, offshore RMB, Singapore dollar, euro, Australian dollar, British pound, and UAE dirham multi-currency accounts to centralize global collections, payments, and cross-border funds.
Cross-Border Transfers, More Flexible Fund Management
Use USDT and USDC for cross-border fund transfers, reducing friction across currencies and regions to make global collections and payments faster and more intuitive.
Local Funding, Flexible Stablecoin Conversion
Complete conversions between fiat and USDT, USDC through bank transfers and local payment methods in supported regions, making local funds easier to use for cross-border transfers and payments.
Global Payouts & Cross-Border Settlement
Depending on supported regions and partner financial institutions, send funds in stablecoin or fiat to overseas accounts for cross-border settlement and withdrawal.
Compliance & Security
Meeting international compliance standards with multiple layers of security — your funds and data are safeguarded.
We are committed to providing the most secure trading environment.
Compliance Framework
Policies and processes built on international regulatory standards to sustain long-term service stability.
KYC / AML
Multi-layer identity verification and risk monitoring to reduce transaction and account risks.
Institutional Risk Controls
Institutional-grade asset custody architecture, strengthening private key management and fund protection.
Active Control
Card freezing, transaction controls, and real-time notifications for safer everyday use.
HOYAPAY APP Advantages
From account opening to transactions, HOYAPAY delivers a smooth, intuitive experience
that brings financial services closer to everyday life and creates more value.
Smoother Payments & Spending
Simplified workflows and clear status indicators make every payment more stable and consistent.
Transparent Cross-Border Transactions
Clear visibility of fees and processes reduces uncertainty in cross-border use.
Better Fund Control
Centralized fund activity and usage records help you stay on top of spending and receipts at all times.
Why We Built HoyaPay
So global funds are no longer fragmented by region, currency, or disjointed systems.
Traditional cross-border financial services are scattered across different banks, payment platforms, and digital-asset tools, forcing users to navigate separate accounts, currencies, processes, and settlement methods.
HoyaPay brings cross-border collections, multi-currency fund management, fiat and stablecoin conversion, and global payouts and settlement into one consistent experience, making it easier for individuals and businesses to track fund flows and allocate money flexibly across cross-border scenarios.
Our Mission
Simplify how cross-border funds are received, converted, moved, and used, making global financial services easier to understand and operate.
Who We Serve
Serving individuals and businesses with cross-border payment, multi-currency fund management, stablecoin conversion, and global payout and settlement needs.
Our Direction
Continue expanding global accounts, local payment networks, and stablecoin services to build a more complete cross-border fund management experience.
Have other questions?
Visit our FAQ center to learn about account applications, supported regions, cross-border payments, stablecoin conversion, card services, fees, and transaction security.
View FAQsOperations & Compliance Statement
HoyaPay is a cross-border fintech brand operated by Better-Pro Limited and Better-Pro Enterprises Limited, registered as a US FinCEN MSB and a Canada FINTRAC MSB respectively.
HoyaPay is not a bank. Certain account, payment, card, and asset services are provided by partner financial institutions or service providers, and actual availability depends on the user’s region, eligibility review, and partner requirements.