Transfer Funds with Just an ID
No more long addresses. Split bills effortlessly. HOYAPAY internal transfers are zero-fee, instant, and support USDT/USDC and multiple fiat currencies.
One-Tap ID Transfer
Just enter the recipient's HOYAPAY ID to complete a transfer — no need to copy long on-chain addresses, reducing input errors.
Instant Bill Splitting
One person covers upfront for dining, travel, or accommodation. HOYAPAY automatically calculates each person's share.
Zero Transfer Fees
Transfers between HOYAPAY wallets are completely free. No matter how often or how much — send freely.
Multi-Currency Instant Settlement
Supports USDT/USDC and multiple fiat currencies. Payroll, collections, and payments — all settled almost instantly.
From Payments to Bill Splits, HOYAPAY Handles Every Detail
Whether it's cross-border freelancing, online merchant payments, or splitting travel costs with friends — one HOYAPAY wallet switches freely between fiat and crypto.
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Frequently Asked Questions (FAQ)
Everything you might want to know about HOYAPAY.