User-centric
True fintech starts with protecting users.HoyaPay integrates cybersecurity and privacy into its core system, ensuring that every use is safe and controllable.
About HoyaPay - Global Funds Management Experience
Making global capital flows simpler Make cross-border payments safer.
HOYAPAY is a user-experience-centric fintech platform dedicated to providing a one-stop service for "USD accounts, cards, and global payments". We assist individuals and businesses in managing cross-border funds more efficiently through clear processes and risk control governance.
Team and Global Service Context Diagram
Our Vision
We focus on the use case of "cross-border funds" to enable users to complete deposits, payments, transfers and card management in a more intuitive way.We believe that financial services should be designed like products—clear, predictable, traceable, and with security as the top priority in every transaction.
Compliance as the foundation, steady innovation
True innovation is built on responsibility and oversight. HoyaPay adheres to strict compliance standards, creating long-term value for users and the industry.
Account × Card Integration
It supports multi-currency accounts and virtual/physical cards, making it flexible for everyday consumption and cross-border payment scenarios.
Enterprise-level fund management
It supports multiple accounts and access control mechanisms to achieve secure and transparent fund operations, meeting the daily and global payment needs of enterprises.
Compliance attitude
Adhering to compliant operation as the core principle, we strictly follow relevant laws, regulations, and regulatory requirements.We will continue to improve our risk management and internal control mechanisms to ensure safe and orderly business operations.
HOYAPAY Multiple security protections and data encryption mechanisms are employed to ensure the security of user data and transactions.At the same time, we have established a comprehensive identity verification and anti-money laundering (AML) process, implemented due diligence and transaction monitoring, and maintained a healthy and stable financial ecosystem.
We believe that compliance is the foundation of sustainable development, and trust is the prerequisite for long-term cooperation.
To build a safer and more transparent payment world for users worldwide.
Frequently Asked Questions
Everything you might want to know about HOYAPAY.
HoyaPay uses bank-grade security standards.We partner with Sumsub, one of the world's top three compliance service providers, for KYC/KYB certification.And use Fireblocks for MPC wallet asset custody to ensure absolute security of funds.Meanwhile, we collaborate with Chainalysis and TRM Labs to monitor on-chain transaction risks around the clock, in compliance with international anti-money laundering (AML) regulations.
After completing account registration and identity verification, you can submit an application through the card page within the app.The system will review your account status and regional eligibility. Once approved, you can activate a virtual Mastercard and use it for online payments, subscription services, and cross-border spending.
Virtual cards can be used at most online merchants that support Mastercard, but the actual availability will vary depending on the merchant type, regional policies, risk control rules, and account level.Some high-risk transactions, transactions in specific countries/regions, or scenarios requiring physical card verification may not be available. Please refer to the latest announcements within the app and the actual transaction results.