I read the HPX card's own pages and its 135 app reviews: useful if you want a USD card, thin on fees, licence and support
Available in USHPX is a prepaid card linked to a crypto wallet: you load crypto, it is converted into dollars or euros, and the card spends that balance. That is the whole product idea, and it is a legitimate one. On top of that, the public pages tell you surprisingly little — no issuer, no licence, no conversion fee, no published limits. I scored it 4.7 out of 10, and the reasoning matters more than the number, because the gaps are not cosmetic. If you only want a spendable dollar card from a crypto balance, it may still do the job. If you want to know who holds your money, what a payment costs, or what happens when something goes wrong, you will not find it here.
The conditions described below are current as of October 28, 2026.
Verdict: 4.7 out of 10
| Criterion | Mark | Why |
|---|---|---|
| Who can get it | 6 / 10 | Applications restricted in Mainland China, Russia, Turkey, Pakistan and others; the list changes and other countries are not named |
| Cost | 3 / 10 | A $60 annual fee on the physical USD card is taken from the first deposit; a card-opening fee is paid before review and its amount is not disclosed |
| Top-up options | 6 / 10 | Crypto deposits — USDT, BTC, ETH — are converted to USD or EUR on the card; the networks are not named |
| Reliability and complaints | 3 / 10 | Issuer and licences not named, developer CIPHERBC PTE. LTD.; App Store 3.3 from 135 ratings, complaints about stuck coins and frozen accounts |
| Everyday use | 6 / 10 | Physical and virtual cards in USD, “tens of thousands of ATMs worldwide”; Apple Pay and Google Pay not disclosed |
| Total | 4.7 / 10 | — |
Who this suits: people who already hold crypto, want a plain USD card to spend from that balance, and do not need a local banking relationship anyway. That is a real segment, and HPX is built for it. The card is pre-funded, so it cannot overdraw; the virtual USD card costs nothing to hold as far as anyone publishes; and there is at least a version of the product that a person can hold in their hand and use at a shop.
Who it does not suit: anyone who treats a card as a proxy for a bank. You cannot read the issuer’s name, the licence, the safeguarding arrangements, the conversion fee or the daily limit from HPX’s own pages. You cannot see whether Apple Pay works. You cannot find the fee schedule. A review that gave this card a passing grade on trust would be misleading, and the complaints pattern makes that concrete rather than theoretical.
Will they give you the card?
Partly, and the rule reads as residence-based rather than citizenship-based.
HPX’s help centre states that applications are restricted in Mainland China, Russia, Turkey, Pakistan and other countries, and that the list changes with policy. People who already hold a card in restricted regions are generally unaffected, with an explicit exception for Russia. The rest of the world is simply not enumerated: no published list tells you whether your country is in or out.
Two things follow. First, citizenship is not stated anywhere — the rule appears to follow where you live, not what you hold. If you are a citizen of one of the named countries but live elsewhere, you are in the grey zone that the card itself does not define. Second, and more practically for you: because the restricted list moves with policy, an answer you get today is not a guarantee for the day you apply. If your country matters to you, that gap is the thing to ask about, in writing, before you send any documents.
How to get it
A passport, an app, and patience measured in weeks.
The application route the help centre describes: a passport is required, and identity cards are not accepted. The name on your application must match the passport exactly — a mismatch is the kind of small thing that costs you a month. You submit your KYC, and the card arrives within 30 days of approval. A card-opening fee is paid before the review starts. Its amount is not published, and the timing is worth pausing on: you pay to be considered.
Beyond that, the pages go quiet. Proof of address is not stated. A minimum age is not stated in the help material, though the iOS app listing carries a 16+ rating. The reasons a review can be rejected are not stated. There are no named KYC tiers, so the passport-and-name flow appears to be the whole of it rather than one stage of several.
What you actually apply for is a prepaid card linked to a crypto wallet that converts crypto into USD or EUR. Both a physical USD card and a virtual USD card exist. The payment network is not stated, which is unusual enough to notice: Visa and Mastercard are the two networks a shop will actually accept, and neither is confirmed here. A “Global Travel Virtual Card” is suspended for new applications according to a help notice. Third-party listings describe HPX under the name HyperCard and show both virtual and physical types in US dollars and euro — unofficial, not confirmed by the card.
What it really costs
Here is the honest answer: the price of holding the card is known, the price of using it is not.
| Fee or limit | What the card’s public pages say |
|---|---|
| Physical USD card, annual fee | $60, deducted from the first deposit |
| Card-opening fee | Paid before review; amount not stated |
| USD virtual card PRO | A time-limited zero-fee offer is mentioned and may be outdated |
| Conversion fee (crypto to USD or EUR) | Not stated; the App Store lists none |
| Foreign exchange / paying in another currency | Not stated |
| ATM fee and allowance | Not stated; “tens of thousands of ATMs worldwide” is the only claim |
| Daily spending limit | Not stated (unofficial third-party listing says 50,000 US dollars daily or no limit) |
| Monthly limit | Not stated |
Set against that, four products appear in the material: a USD physical card, a USD virtual card, a USD virtual card PRO, and the suspended Global Travel Virtual Card. What separates them in practice — benefits, limits, who each is for — is not stated.
So what does an ordinary day cost you? Take a coffee bought with the physical card. The $60 annual fee is not involved; it comes off your first deposit. The card-opening fee came earlier. What you are actually paying for that coffee is the crypto-to-dollar conversion, and the rate for it is not published. If you pay in a currency other than dollars, there is a second unknown: the fee for that. And if you take money out of an ATM, there is a third: the fee and any allowance. Three of the four moving parts in that purchase are unpriced.
This is the part that decides the review for me. A card can be cheap and still cost you, if the cost is hidden in a spread you cannot see. HPX does not publish the number, so you cannot compare it to another card’s number. You would be choosing on trust rather than on price.
How to top it up
You send crypto, the card spends dollars. The middle part is where the care is needed.
Top-up works by depositing crypto — USDT, BTC and ETH are named — which is converted into USD or EUR on the card. Deposits are not described as coming from a bank account; the model is a crypto deposit in, a fiat balance out. Alongside the HPX listing there is a PRO virtual card product; nothing on the card’s own pages describes limits on deposit size, how often you can top up, or what happens to a deposit that arrives while your account is under review.
The networks are not stated, and that is the sharpest edge in this whole section. Blockchain transfers are irreversible. If you send on a network HPX does not support, or to an address belonging to a different network, the money can be gone — you will be relying on support to recover it, with no guarantee. Neither is a small thing when the amount is your salary or your savings.
Before you send anything, get two answers in writing: which networks are accepted for deposit, and what happens to a transfer made on the wrong one. Both are ordinary questions to ask a provider. Neither is answered on the pages.
One more asymmetry worth naming: a token on a chain you hold is not necessarily spendable by this card. Fees on Ethereum are paid in ETH, so a wallet holding USDT with no ETH cannot move it. Some networks price transactions through internal resources rather than the native coin. And if you were planning to use USDC on Tron, Circle stopped supporting USDC on that network in February 2024 — it is not a native option. I am not telling you which of this applies to HPX; I am telling you it applies to the money you are about to send, and the card will not tell you for you.
Paying with it every day
The plain version works; the polished version is undocumented.
In daily use the card is unremarkable in the best way: a prepaid card you load and spend. The balance is converted into dollars or euros, and the card draws down that balance, so it cannot go negative. Both physical and virtual USD cards exist, which is the practical pair — the virtual one for online payments, the physical one for the shop.
What is missing is everything around it. Apple Pay and Google Pay support is not disclosed, which is the first thing to ask about if your phone is your wallet. Whether particular merchant categories are blocked — gambling is a common one — is not stated. Card freezes, spending limits in-app, dispute handling: not stated. And a declined payment can leave a hold on your funds for several days, which is true of any card but bites harder when the balance is the only money you have.
Two more things a shop cares about that you should think about. A card’s first six or eight digits identify the issuing institution, and merchants can look them up. If the issuer country differs from your billing address, the transaction may attract extra scrutiny, and some merchants decline prepaid or foreign-issued cards outright. This is normal and it is not a fault of yours — but it means a decline in a foreign shop is not always about the amount.
On everyday practicality, one number tells you something: the iOS app sits at 3.3 out of 5 from 135 ratings, version 5.6.270301, requiring iOS 15 or later, about 420.5 MB. The Google Play rating was not retrieved. That is a small sample of users and a long history — reviews date back to 2022 — but a 3.3 on an app store that also lists the product’s own description is worth knowing.
What can go wrong
The patterns in the reviews are worse than the average rating suggests.
The App Store rating is 3.3 out of 5 from 135 ratings. An analysis of those 135 reviews puts roughly two-thirds as negative. The themes, mostly from 2022 to 2024, recur:
- Coins stuck in a “reviewing” state for days, with support tickets going unanswered
- Inability to withdraw or transfer funds
- Accounts frozen without explanation given
- One report of funds moved to an unknown address
- One report of an excessive fee
- Against which some users praise how easy it is to use
A 2022 review calls it a scam, describing a card charge labelled as an airline ticket that the user could not reverse, and says the developer pointed to in-app and Telegram support. I searched for the brand on Trustpilot and Reddit and found nothing — only unrelated companies with similar initials. So there is no larger body of public complaint to weigh against the app store, which cuts both ways: it means no outside consensus, and it means the 135 reviews are all we have.
Now the structural risks, which matter more than any single review.
Who holds the money. The App Store developer is CIPHERBC PTE. LTD., with copyright under HYPER BC PTE. LTD. The site hyperpay.tech redirects to hpx.com. The card issuer, its BIN sponsor and its licences are not stated. In this category that omission is unusual. When you use a card, the network routes the messages, the issuer holds the programme, and the crypto brand is often only a front end. Here you can identify the front end but not the issuer underneath it.
Whether funds are safeguarded. Electronic money providers in the EU must hold customer funds separately or insure them, and those funds are not bank deposits and may not sit under a deposit guarantee scheme. Whether HPX’s provider meets that standard, and under which licence, is not on the pages. You are told the developer collects no data, which is a different claim entirely.
How the wallet works. The app describes two wallets: an off-chain one held on the platform, protected by an “SBC risk control system” with multi-signature co-management, and an on-chain one with private keys stored locally under BIP32/39/44/45. If your balance sits in the off-chain wallet, you have accepted custodial risk. And for context on what that means: Mt. Gox, Coincheck and Ronin Network between them lost on the order of billions in user funds, and blockchain transfers have no built-in recovery. The self-custody side of that app is the safer half; the off-chain half is the half where a frozen account is your problem, not the network’s.
Programs get closed. Visa terminated its agreements with FTX in November 2022 and the US debit card was wound down. WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018 and all its programmes closed. A closure typically means a notice period, then spending and loading stop, then you are asked to withdraw what is left. One 2026 closure reported by a secondary source ended new loads on 8 July and spending on 8 August — single source, unconfirmed, but the shape of it is what to expect.
History. The brand was HyperPay and became HPX in July 2025. The Global Travel Virtual Card is suspended for new applications. Russia is named among the restricted regions. No licence or issuer events came up in what I checked.
Support. Replies point to the in-app Help Center (“My Work Order”) or a Telegram “Contact Us” group; the help centre is at help.hpx.com. The app lists English and 17 further languages, though the list is not shown and Russian is not confirmed. Hours are not stated. A support channel that is largely a Telegram group is worth weighing when you are trying to explain a frozen balance.
I am not saying HPX is a scam. I am saying that a card with an unnamed issuer, an unnamed fee schedule and a review pattern of frozen accounts gives you nothing to check those claims against.
What to take instead
Three alternatives came up with published details, and they are worth reading next to HPX precisely because they publish theirs.
| Card | Score | Card and currency | Stated cost | Fees as published |
|---|---|---|---|---|
| HPX | 4.7 / 10 | USD physical and virtual, USD or EUR prepaid | $60/year physical; opening fee amount not stated | Conversion and FX fees not stated |
| MetaMask | 7.1 / 10 | Mastercard; virtual first, Metal pre-orderable; one card per user | Virtual free; Metal $199/year | “Minimal fee for each transaction”, amount not on the pages read; no additional MetaMask fees; no foreign transaction fee |
| KAST | 6.1 / 10 | Visa: Standard, Premium metal, Private gold plated; balance in USD | Standard 0; Premium $1,000/year; Private $10,000/year | Stablecoin top-up 0%, USD spend 0%, transaction fee 0%, Apple/Google Pay 0%; non-USD FX 0.5%–1.75%; under $25 non-USD 0.10 USD; declined transaction 0.50 USD |
| Zeal | 6.1 / 10 | Visa; virtual card for online use; EUR, USD, GBP accounts | Not stated; no fee schedule published | No additional FX fee, conversion at Visa wholesale rate; Gnosis Pay fees may apply |
MetaMask is the strongest of the three on paper, and the gap with HPX is mostly disclosure. Sign-up is open in 45 listed countries and territories — Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain, Uruguay among them — with proof of residency required, other regions on a waitlist, and US/UK sign-ups temporarily closed. It spends directly from a connected wallet on Linea, Base, Monad and Solana. Cashback is 1% on Virtual, and on Metal a headline 3% that its own footnote limits to the first $10,000 spent, then 1%.
KAST is the most transparent on price, which is not the same as cheapest. Its membership runs from free to $10,000 a year, with a 1 USD/month inactivity fee after 12 months and renewal fees whose amounts are not published. Its KYC is explicitly residence-and-ID based: a restricted-region ID can disqualify you even if you live in a supported country, dual citizens with an ID from a supported country may pass, a VPN does not bypass it, and you can create an account in an unsupported country but the KYC stays locked. That is a company telling you the rule in advance, which is more than HPX does.
Zeal sits in the middle. Spending in 150+ countries with issuance dependent on eligibility and regional availability, the card programme live in the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore, Philippines, Indonesia and Thailand. No FX fee of its own, conversion at Visa’s wholesale rate, cashback up to 4% in GNO. Its fee schedule is not published either — but the FX question, at least, has an answer.
What none of these facts does is make one of them right for you. Country availability rules out more than price does.
Who I would recommend it to
To the person who already has crypto sitting in a wallet, has decided they want a dollar card, and has tested a small balance before committing anything larger. Not to the person who needs a card they can explain to a bank, an employer or a landlord — this is not that, and its own pages do not claim it is. Not to anyone whose plan depends on Apple Pay or Google Pay, since neither is confirmed. And not to anyone who cannot get to a help centre or a Telegram group when their balance is frozen, because that is the complaint the reviews actually describe.
The test I would use: put a small amount in, spend it, try to move it back out, and see how long each step takes. If that works, the gaps stop being abstract. If it does not, you have learned the same thing the 135 reviewers did, for less than the annual fee.
Frequently asked questions
What is the HPX card?
It is a prepaid card linked to a crypto wallet. You deposit crypto such as USDT, BTC or ETH, it is converted into USD or EUR, and the card spends that converted balance like any other prepaid card. Because the balance is pre-loaded, the card cannot overdraw. HPX also offers a virtual version of the card.
How does the HPX card work?
Your crypto deposit is converted into a dollar or euro balance, and each purchase draws that balance down. The virtual card is issued in the app; the physical card arrives within 30 days of approval. The payment network is not stated on the card’s public pages, and neither is the conversion fee — the two facts you would most want to know.
Is HPX a bank?
Not on anything its pages disclose. The App Store developer is CIPHERBC PTE. LTD. with copyright under HYPER BC PTE. LTD., and the card issuer and its BIN sponsor are not named. No banking licence is stated. Treat the card as a prepaid product from an unnamed issuer, not as a bank account.
Who owns HPX?
The brand was HyperPay and became HPX in July 2025; the site hyperpay.tech redirects to hpx.com. The developer named in the App Store is CIPHERBC PTE. LTD., copyright HYPER BC PTE. LTD. Behind that, the entity that actually issues the card is not named anywhere I could find, and no licence is stated.
Does HPX require KYC?
Yes, and it is passport-based. A passport is required, identity cards are not accepted, and the name must match the passport exactly. A card-opening fee is paid before the review. Proof of address and a minimum age are not stated in the help material, though the iOS app listing carries a 16+ rating.
Is HPX available in my country?
Applications are restricted in Mainland China, Russia, Turkey, Pakistan and other countries, and the list changes with policy. Existing cardholders in restricted regions are generally unaffected, except in Russia. The rule appears to follow residence rather than citizenship, which is not stated — and because the list moves, get the answer in writing for your country before you apply.
How much does the HPX card cost?
The physical USD card has a $60 annual fee, taken from your first deposit. A card-opening fee is also paid before review, and its amount is not published. A time-limited zero-fee offer is mentioned for the USD virtual card PRO and may be outdated. The conversion fee and the foreign exchange fee are not stated at all.
How do I top up the HPX card?
By depositing crypto — USDT, BTC, ETH are named — which is converted into USD or EUR on the card. The networks are not stated, and blockchain transfers are irreversible, so a deposit sent on an unsupported network can be lost. Ask which networks are accepted before you send anything.
Is HPX safe?
The safeguards the app describes are an off-chain wallet with multi-signature co-management and an on-chain wallet with keys stored locally. What is not disclosed is the issuer, the licence, whether funds are safeguarded, card freeze and two-factor options. The app sits at 3.3 from 135 ratings, with recurring reports of stuck coins and frozen accounts.
Can I add the HPX card to Apple Wallet?
The card’s public pages do not say whether Apple Pay or Google Pay is supported, so I would not plan around it. What is confirmed is the virtual card for online payments and the physical card for shops. If a phone wallet is essential to how you pay, confirm support in the app or with support before you rely on it.
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