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About HOYAPAY

HOYAPAY is designed for individual users, built around security, clarity, and ease of use. It helps you handle everyday payments, cross-border transfers, and fund management. We simplify complex processes into intuitive actions, making every transaction safer and more predictable.

Security First Intuitive Operation Cross-Border Friendly
People using HOYAPAY
What We Do
We make cross-border money movement intuitive and trustworthy.
HOYAPAY is built on compliance, security, and scalability, delivering more predictable payment and settlement flows, reducing cross-border friction, and letting you focus on life and what matters most.

Local Funding, Connected to Digital Assets

Buy or sell digital assets using local methods, converting everyday funds into a cross-border–ready form for future payments and use.

Everyday Digital Asset Payments

Use digital assets for online and in-store spending—moving beyond balances and exchanges into real-world payments.

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More Intuitive Cross-Border Use

Use digital assets as an intermediary to complete payments across regions with a consistent and intuitive experience.

USD Accounts Built for Cross-Border Use

Centralize funds through a USD account, supporting conversions between USD, USDT, and USDC to improve cross-border payments and fund management flexibility.

Our Security

Compliance & Security

Trust and security are the foundation of HOYAPAY. We follow international compliance standards and combine industry-grade security technologies with risk controls to protect funds and data at every stage of use.

Compliance Framework

Policies and processes are built on international regulatory standards to ensure long-term service stability.

KYC / AML

Multi-layer identity verification and risk monitoring reduce transaction and account risks.

Institution-Grade Protection

We use Fireblocks-grade asset security architecture to strengthen private key and fund protection.

Proactive Controls

Supports card freezing, transaction controls, and real-time alerts to enhance daily security.

Freeze Card Access Key Comprehensive Protection Virtual Card

HOYAPAY App Advantages

From everyday payments to cross-border transfers, HOYAPAY offers intuitive operations and clear fund visibility—
manage payments, receipts, and transaction history in one app.

Smoother Spending & Payments

Simplified flows and clear status indicators make payments more stable and consistent.

More Transparent Cross-Border Transfers

Fees and processes are clearly visible, reducing cross-border uncertainty.

Greater Control Over Funds

Centralized views of fund movements and usage help you stay on top of spending and transfers

Fireblocks Chainalysis Sumsub Unlimit Alchemy Pay Bridge Fireblocks Chainalysis Sumsub Unlimit Alchemy Pay Bridge

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?
What types of payments can the USD Virtual Account receive?