One account.
From global income to USD assets.
Start from your USD / USDT balance. Manage receiving, conversion, card spending, and local payouts, while progressively connecting to U.S. stocks, ETFs, and other USD asset services through licensed partners.
Asset services are provided by licensed partners based on jurisdiction, user eligibility, and risk disclosure requirements.
ACCOUNT HUBUSD Asset Access · U.S. stocks & ETFs via licensed partners · Availability depends on jurisdiction and eligibility.
WHY USD ASSETS
Why USD asset access matters for cross-border users
Global income should not only flow out
After receiving USD, USDT, or other overseas income, users need more than local withdrawal. They need a place to hold, convert, and continue using their funds.
USD / USDT balances can become retained funds
By combining receiving, conversion, card spending, and local payouts, HoyaPay gives users a practical reason to keep part of their balance inside the account.
USD asset access adds trust and utility
Through licensed partners, eligible users can progressively explore U.S. stocks, ETFs, and other USD-denominated asset services. HoyaPay does not provide securities brokerage or investment advice.
HOW IT WORKS
Three steps to USD asset access
Start from your HoyaPay balance
USD / USDT balances, stablecoin wallet, and cross-border receiving account are all valid starting points.
Through licensed partner infrastructure
Alpaca's brokerage, clearing, and custody infrastructure connects to USD asset services.
Back to everyday HoyaPay use
Card spending, local payouts, stablecoin flows — a complete cross-border money loop.
CAPABILITIES
USD assets, built around flows you already use
USD Asset Service Access
Eligible users can progressively explore U.S. stocks, ETFs, and other USD-denominated asset services through licensed partners.
Stablecoins → USD Assets
Your USD / USDT balance and stablecoin wallet become the starting capital for USD asset exploration.
Tokenization Roadmap
Alpaca's tokenization infrastructure paves the way for tokenized USD assets and 24/7 connectivity.
Back to the Money Loop
Asset services deeply integrate with HoyaPay cards, payouts, and wallets — seamless fund movement.
USE CASES
Built for cross-border money users
Overseas income earners
Received USD / USDT and don't want to cash out everything — keep part as a USD asset starting point.
Cross-border freelancers
Manage USD / USDT balances from platform income, balancing daily spending and asset access.
Overseas Chinese & cross-border families
USD assets, card spending, local payouts — all managed from one HoyaPay entry point.
High-balance stablecoin users
Already holding USDT / USDC and want to explore more USD asset scenarios through compliant partners.
How HoyaPay and licensed partners work together
- USD / USDT balance and wallet access
- Stablecoin and cross-border money scenarios
- Virtual card, local payout, and UX layer
- Eligible user routing and product access
- Securities account opening
- Trading, clearing and asset services
- Risk disclosures and eligibility checks
- Service availability by jurisdiction
INFRASTRUCTURE PARTNER
Connecting USD asset services through licensed infrastructure partners such as Alpaca
HoyaPay plans to connect eligible users to USD asset services through licensed brokerage infrastructure partners such as Alpaca. Availability depends on jurisdiction, user eligibility review, and applicable risk disclosures.
Alpaca provides infrastructure to fintechs, brokers, and asset platforms globally.
Securities-related services are provided by licensed partners within their regulatory scope. HoyaPay does not provide securities brokerage, hold client securities, or provide investment advice.
FINRA / SIPC member
Alpaca Clearing provides regulatory-compliant brokerage and clearing infrastructure.
Self-clearing architecture
Integrated brokerage, clearing, and custody — built for fintech partner integration.
Tokenization roadmap
Advancing tokenized equities and 24/7 API access for future extensions.
Global fintech partner
API-first capabilities complement HoyaPay cross-border wallet scenarios.
Ready to explore USD asset access?
HoyaPay will progressively open USD asset features through licensed partners. Availability depends on jurisdiction and user eligibility.
Join the WaitlistFrequently Asked Questions
USD asset features will be progressively available based on jurisdiction, user eligibility, licensed partner review, and risk disclosure requirements. HoyaPay does not provide investment advice, direct securities brokerage, or promise any return. Investment involves risk including loss of principal.
Asset Wallet is an upcoming HoyaPay USD asset access service. Launch timeline, service regions, user eligibility, and asset categories will be announced progressively. HoyaPay does not provide securities trading, hold client securities, or provide investment advice. HoyaPay is a FinCEN-registered MSB and FINTRAC-registered MSB. Current scope does not include securities brokerage.