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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

Invite friends to open a USD account and complete their first deposit. You and your friend can earn up to 0.15% USDⒽ rewards.
Eligibility:Friend must complete USD account setup

Friend must deposit the required USD amount
Distribution:Calculated per campaign rules; rewards can accumulate by referral tier
• 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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Virtual Card Referral Rewards

Invite friends to activate a virtual card and complete the required steps to earn up to 40% USDⒽ card rewards.
Calculation：Friend must apply for and activate the virtual card
Award:Rewards calculated by referral tier and campaign rules
Each friend counts once for the first successful card activation
The platform may adjust calculation and distribution for risk control or compliance
Reward timing is subject to system settlement
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Card Spending Rewards

Spend with a HoyaPay card to earn rewards for yourself and your referral network, up to 0.9% USDⒽ.
Condition:Use the designated card to complete eligible transactions
Anti-abuse:The platform will conduct checks to prevent abuse or 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, a Money Services Business (MSB) registered in the United States and Canada.

HoyaPay is not a bank or a licensed financial institution and operates as a financial technology company providing platform interfaces, functional services, and account management.