Hyperbeat
Banking for the Hyperliquid economy: trade, earn and spend one balance — credit mode borrows via Morpho at the terminal.
Liquid Banking on Hyperliquid: spend cash or borrow at point of sale via Morpho.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze.
- The ledger
- The blockchain — no company keeps the authoritative record.
- If it fails
- Nothing on the company side to fail; but lose your keys and the money is gone for good.
Derived from Hyperbeat’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | web3-native |
| HQ | — |
| Founded | 2024 |
| Custody | Self-custodial |
| Regulation type | Self-custodial software |
| License detail | Self-custodial smart accounts (HyperEVM); Paxos Labs stablecoin infra |
| Card | Visa · Virtual + physical |
| Yield | beatUSD / USD+ yield |
| Stablecoins | Yes |
| KYC | Card only |
| Active regions | North America, Europe, Latin America, Africa, MENA, Asia, Oceania |
| Countries | Global |
| Founders | Kilian Boshoff, 800.HL |
| Funding | $5.2M seed at ~$40M (ether.fi Ventures, Electric Capital, Coinbase Ventures) |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @hyperbeat ↗
Common questions about Hyperbeat
What is Hyperbeat?
Hyperbeat is a self-custodial, on-chain-first neobank, founded in 2024. You hold the keys: Hyperbeat never takes custody of your funds. It is software rather than a licensed institution (Self-custodial smart accounts (HyperEVM); Paxos Labs stablecoin infra).
Does Hyperbeat have a card, and where can you use it?
It issues a Visa virtual and physical card, and identity checks apply to the card but not to the wallet. It is available in all 7 world regions tracked here.
Does Hyperbeat require KYC?
Partly. You can use Hyperbeat itself without verifying your identity, but ordering its card requires KYC.
What does Hyperbeat cost?
From the verified fields: yield beatUSD / USD+ yield. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Hyperbeat before relying on them.
Early investors
Peers
Phantom · Zengo · MiniPay · Eco (Beam) · Dakota · MetaMask
Hyperbeat appears in
Neobanks that never hold your money (53) · Neobanks where only the card requires ID (33) · Neobanks available in North America (126) · Neobanks available in Europe (144) · Neobanks available in Asia (132) · Neobanks available in Oceania (72) · Neobanks available in Latin America (113) · Neobanks available in Africa (92) · Neobanks available in MENA (85) · Neobanks that issue a Visa card (182)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.