ROBUST DIGITAL WEALTH

Earn Simply with Stable Yields

Put your USDT to work.. Activate Flexible or Fixed Earn with one tap. Earn automatically while managing daily collections and global payments.

Whether for short-term parking or long-term allocation, HoyaPay offers transparent rates and high liquidity—making crypto earning as intuitive as using a standard savings account.

Open Earn Account

* Earn products are not bank deposits. Historical returns do not guarantee future performance. Actual APY, fees, and redemption rules are subject to the HoyaPay App and latest terms.

FLEXIBLE YIELD · ALL IN ONE

Consolidate Idle Funds into a High-Liquidity Earn Pool

Whether you’re saving for tuition, a travel fund, or simply putting idle USDT to work, HoyaPay’s Flexible Earn Bag makes earning simple and intuitive.

No Lock-up Period

Low Entry Threshold

APY with Target Range

Flexible Access: Deposit and redeem at any time, giving you full control over your liquidity.
Low Entry: Start with small amounts of USDT—ideal for getting started at your own pace.
Targeted Yield: Designed to pursue steady earning through disciplined risk management and trusted partners.

* This service is a wealth management product and not a bank deposit. Principal and returns are not guaranteed. Actual APY, fees, and redemption terms are subject to the HoyaPay App and the latest applicable terms. Please review the relevant risk disclosure documents before participating.

Referral Program · Wealth

Invite Friends to Join & Use Earn, 3-Tier Rewards USDⒽ

Recommend friends to join and use HoyaPay Earn services. When your invited friends meet the activity conditions, you will receive corresponding USDⒽ platform rewards.

Download APK Android

Referral Steps

Auto-calculated upon meeting terms

STEP 1

Join the program to get your unique referral link.

STEP 2

Share your link with friends and invite them to register.

STEP 3

Earn

Receive USDⒽ rewards when invited friends complete specified Earn usage.

COMMISSION TIERS

0Tiers

3-level rewards system

PRODUCT

Fixed+Flex

Comprehensive Earn options

EASY SHARE

Simple to promote

* Reward distribution conditions, quantity, usage, and validity depend on HoyaPay App activity pages, account status, and risk rules, and are subject to the latest terms.

3-Tier Reward Structure

Direct Referral (You → Friend)

When a friend registers via your link and uses specified Earn services meeting conditions, you get "Tier 1" USDⒽ platform rewards. Perfect for inviting close friends to experience financial services.

Indirect Referral (You → Friend → Their Friend)

If your friend invites others who meet the activity rules and complete specified Earn usage, you still receive "Tier 2" USDⒽ platform rewards. Let your referral network expand naturally for continuous rewards.

Extended Referral (3rd Level)

Extends to the 3rd level. As long as conditions are met, you earn corresponding "Tier 3" USDⒽ platform rewards. Maximize your reach and earn rewards from extended relationships.

Frequently Asked Questions

Everything you need to know about HOYAPAY.

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.