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USDⒽ Rewards (Platform Points)

Complete eligible actions, collect USDⒽ rewards

USDⒽ is a platform reward points unit within HoyaPay. It may be earned and used in specific campaigns and eligible in-app scenarios (as shown in the App).

Not fiat currency Not a crypto asset Not an investment product Rules shown in App
Eligibility, thresholds, rates, caps, validity period, issuance timing, and applicable use cases may change. The latest information displayed in the App shall prevail.
Campaigns
As shown in the App
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Deposit Rewards

Source
Complete your first or an eligible deposit action. If conditions are met, you may receive USDⒽ rewards (per campaign rules).
Applies to: specific deposit method / time window / thresholds set by the campaign
Issuance: calculated per rules and may require review time
• Reward type: USDⒽ platform points (usage subject to what’s shown in the App)
• Eligibility / thresholds / caps / validity: determined by the campaign page and account status
• If abnormal activity or rule violations are detected, the platform may remove eligibility or delay/deny issuance
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Spending Rewards

Source
Use your HoyaPay card under eligible card flows or spending conditions to accrue USDⒽ rewards (per rules).
Calculation: per campaign rules (may vary by period / tier / tasks)
Note: not all transactions qualify; eligibility is determined by the campaign page
• Some transaction types or scenarios may be excluded (as shown on the campaign page)
• The platform may adjust calculations/issuance due to risk control or compliance needs
• In cases such as refunds, reversals, or disputes, rewards may be adjusted or clawed back
👥

Referral Rewards

Source
Invite friends to join and complete eligible actions. You may receive additional USDⒽ rewards (subject to conditions).
Condition: friends must complete required steps/tasks to be counted
Anti-abuse: verification checks apply to prevent abuse / duplicate registrations
• Reward structure (e.g., tiers, caps, calculations) is shown on the in-app campaign page
• If abnormal referral behavior is detected, rewards may be removed or participation may be restricted
• Rules may vary by region or campaign period
This is a general description. The latest details shown in the App shall prevail.
How to use
In-app use
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Fee offsets

May be used to offset certain platform service fees (as shown in the App).

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Card-related offsets

Some card-related or feature fees may be eligible for offsets (campaign-dependent).

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Campaign participation

May be used for tasks, raffles, or upgrades in eligible campaigns (as shown in the App).

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Member benefits

Some benefits and rules may vary by membership level.

USDⒽ is platform reward points. It is not cash, not fiat currency, not a crypto asset, and not an investment product. Convertibility, withdrawal, or transfer is not guaranteed. Usage is limited to eligible in-app scenarios as shown in the App.
FAQ
What is USDⒽ?
USDⒽ is platform reward points for use within eligible in-app scenarios. It does not represent fiat currency or a crypto asset.
When are rewards issued?
Rewards are calculated and issued according to campaign rules and may require review time. The latest details shown in the App shall prevail.
Can I withdraw or exchange USDⒽ?
Convertibility, withdrawal, or transfer is not guaranteed. Usage is limited to eligible in-app scenarios as shown in the App.
Can the rules change?
Eligibility, thresholds, rates, caps, validity period, and use cases may change. The latest details shown in the App shall prevail.
When can rewards be removed?
If abnormal activity, abuse, or rule violations are detected, the platform may remove eligibility, delay/deny issuance, adjust rewards, or claw back rewards as applicable.

About HOYAPAY Global Financial Services

HoyaPay is operated by Better-Pro Limited. Better-Pro Limited is registered with FinCEN as a Money Services Business (MSB), MSB Registration Number: 31000242809657. Any third-party names, logos, and trademarks on this website are used solely to identify products and services that may be accessible through HoyaPay. Unless explicitly stated, trademark owners are not affiliated with, do not sponsor, and do not endorse HoyaPay or Better-Pro Limited. All trademarks remain the property of their respective owners, and any such references are made under nominative fair use. Content on this website is for general information only and does not constitute financial, investment, or legal advice. HoyaPay is not a bank or a licensed financial institution; HoyaPay is a fintech company providing a platform interface, feature services, and account management.

USD (USD) and EUR (EUR) account services shown on HoyaPay are supported and administered by Bridge Ventures LLC (“Bridge”). Bridge is not a bank. Underlying banking services 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 fees, limits, and risks.