HOYAPAY Logo HOYAPAY
SEND & RECEIVE

Easy ID Transfers,
Split Bills with Friends Instantly

Whether dining out, traveling, or splitting expenses, simply enter your friend's HOYAPAY ID to transfer funds in seconds. Fee-free, borderless, and awkward-free payments.

Try ID Transfer Download App, send & receive in seconds.
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21.66USDT
Recipient ID 12345
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Fireblocks Chainalysis Sumsub Unlimit Alchemy Pay Bridge Fireblocks Chainalysis Sumsub Unlimit Alchemy Pay Bridge

Transfer Funds with Just an ID

Skip long addresses. Split bills with friends in one tap. HOYAPAY internal transfers are fee-free, instant, and support USDT / USDC and multiple fiat currencies.

One-Tap ID Transfer
Simply enter the recipient's HOYAPAY ID to complete the transfer. No more copying long blockchain addresses, minimizing errors.
Split Bills Instantly
One person pays for dinner or travel, and HOYAPAY handles the rest, automatically calculating everyone's share.
Zero Internal Fees
Transfers between HOYAPAY wallets are free of platform fees. Send as often and as much as you like between friends.
Multi-Currency Instant Arrival
Supports USDT / USDC and multiple fiat currencies. Handle payroll, collections, and payments all at once, with near-instant arrival.
REAL USE CASES

From Collection to Splitting,
HOYAPAY Handles the Details

Whether freelancing across borders, collecting payments online, or splitting trip costs, one HOYAPAY wallet lets you switch freely between fiat and crypto.

Instant Gifting
Send love instantly via ID transfer.
Trip Bill Splitting
One pays first, split later via ID.
Family Support
Send funds across borders instantly.
Instant Gifting
Late Birthday? Surprise a Friend?

Send a gift instantly via ID transfer! Zero fees, delivered in seconds, surprise included.

ID Transfer · Instant Arrival
Trip Split
Group Travel & Dining, Split Bills Without Awkwardness

Perfect for group dinners, multi-person trips, and event prepayments.

Internal ID Transfer · Zero Fee
Family Support
Family Emergency? Send Support Anytime.

Whether supporting family, friends, or parents, just enter their ID to send funds instantly, helping you provide support wherever you are.

Cross-border Remittance · Zero Latency

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.