HPX card, a prepaid card that converts your crypto at the till, judged on what the issuer actually publishes

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

HPX sells itself as a prepaid payment card that pulls from a crypto balance: you top it up in coins such as USDT, BTC or ETH, the app converts them into US dollars or euros, and you spend the fiat at a shop or online as if it were an ordinary Visa or Mastercard. The pitch is appealing, especially for people who hold crypto and want to use it day to day without first cashing out to a bank. After going through the card’s own pages, the App Store listing and the help-center notices, I came away with a measured view: HPX does the basic job, but it asks a lot of questions it does not answer, and the people who do use it seem to have a rough time when things go wrong. That tension is the spine of this review.

Conditions are current as of October 28, 2026.

Verdict

HPX ends up at 4.7 out of 10. The card has a real product behind it — a physical and a virtual USD card, a wide ATM claim, conversion in the app — but the score reflects three things the issuer does not do well enough: tell you who is behind it, tell you what the day-to-day fees are, and convince existing users that the app looks after their money. For someone whose main need is a USD card tied to a crypto balance, the product is workable. For anyone who weighs reliability and transparency as heavily as features, the gap between what the card promises and what it documents is too wide to ignore.

Here is how I broke the score down, criterion by criterion, using the card’s own pages and the App Store listing I read on 2026-10-20.

The audience that fits best, in my view, is people who already use the HPX wallet, hold a balance there, and want a simple way to spend that balance in US dollars. If you do not already have coins sitting in the HPX app, the card adds little over alternatives that are more transparent about fees and licensing.

Will they give you the card

Eligibility is where the card first forces a question. The help-center Q&A I read says the application is restricted in mainland China, Russia, Turkey, Pakistan and others, and that the list changes with policy. People who already held an HPX card in one of those regions are generally not affected — with the exception of Russia, which the notice singles out. The card’s own pages do not give a full list of restricted countries, so you only learn whether you qualify when you try to apply.

The rule looks residence-based rather than citizenship-based, but the card does not say so outright. If you live in an unlisted country today and move to a restricted one tomorrow, the practical effect of that move on your account is not spelled out either. The safest reading is to assume that the country you live in when you apply is the country that counts, and that the issuer can revisit that.

Two practical consequences follow. First, anyone who travels between countries needs to be ready for a card that may or may not be honoured depending on where they happen to be when they spend. Second, if you are in any of the explicitly named countries, the application will be declined, and the help-center language about Russia is a strong hint that existing Russian cardholders should expect a different outcome than cardholders in other restricted regions.

There is no published list of age rules, address-verification requirements, or other baseline checks. The signup section goes into what the card does ask for.

How to get it

Signing up is a passport-first process. You need a passport — national ID cards are not accepted — and the name on the application must match the name on the passport. A card-opening fee is collected before the KYC review starts; the help center and App Store do not state how much that fee is, which means you have to find out in the app itself before paying. After the documents are submitted and approved, the card arrives within 30 days. The card is delivered without further confirmation about which countries it can be shipped to or how much delivery costs, so the practical answer is “wherever the courier goes, for whatever the courier charges, and the card’s pages do not tell you in advance.”

There is no published tiered KYC: the only identity check I could find is the passport step, with no separate levels for higher spending. The reasons a KYC submission would be rejected are not stated either, so a refusal comes with the documents returned and no checklist to fix and resubmit against.

The product line is small and partly in transition. As of the App Store description and help-center notices, you can apply for a USD physical card, a USD virtual card, and a USD virtual card PRO. A “Global Travel Virtual Card” is suspended for new applications according to a help-center notice, which I read as a sign that the issuer is pruning the catalogue. An unofficial third-party source mentions virtual and physical types in both US dollars and euros; since the issuer’s own App Store description only names USD, I would not treat the euro option as confirmed by the card.

One third-party feature claim worth flagging: an unofficial source puts a daily spending limit at 50,000 US dollars with no monthly cap. I am not treating this as confirmed by HPX, because the issuer’s own pages do not publish a limit, and unofficial numbers in this space have a habit of being out of date.

What it really costs

The cost story is the part of HPX I found hardest to defend. The fees section is the one the card really wants you to look at, because the numbers that are published are not flattering, and the numbers that matter most are not published at all.

Walking through three everyday payments makes the gaps clearer. Imagine you are paying for a coffee in a non-USD country with the USD physical card: the app will convert your crypto to USD when it loads the card, and the merchant’s acquirer will then convert USD into the local currency at the till. Either of those conversions can carry a fee, and HPX does not publish either. Imagine you top up with USDT, then change your mind and want to send euros to a friend: the spread between the app’s conversion rate and the mid-market rate is the practical cost, and the app does not break that out. Imagine you take cash out at an ATM abroad: the ATM operator usually charges its own fee, and on top of that the card may charge a withdrawal fee or a foreign-currency fee — neither is on the published page.

A separate point worth raising: the $60 physical card annual fee is taken from your first deposit. If you fund the card with $80 of USDT, $60 goes to the annual fee before you have spent a cent, and you start with a $20 balance. If you fund it with $50, you are in the red on day one, and the way HPX handles a negative balance is not described.

For someone who is going to load several hundred dollars a year and use the card often, $60 is bearable if the rest of the fee stack is small. For someone who is going to load $100 once and use the card three times, $60 is a large share of the balance, and the unknowns on top of it can easily double that. The honest summary is: a known $60, plus an unknown conversion cost, plus an unknown ATM cost, plus an unknown FX cost, plus a card-opening fee whose size the issuer has chosen not to publish.

How to top up HPX

Topping up starts with a crypto transfer. The App Store description names USDT, BTC and ETH as deposits that the card converts into USD or EUR for spending. The networks on which those tokens are accepted — Ethereum, Tron, Arbitrum, Base, Solana, and so on — are not publicly stated by the issuer. In practice, that means the most important decision you make before funding the card is which network to send on. If you choose the wrong network, the card provider can only try to recover your funds, and blockchain transfers are normally irreversible.

This is a place where the background behind crypto cards matters. Stablecoins such as USDT and USDC are issued on many chains. If you send USDT on a network HPX does not support, the funds may sit on a deposit address that nobody controls or, worse, be lost. Some networks charge a fee in their own token — Ethereum gas in ETH, Tron fees in bandwidth and energy, often paid in TRX — so a wallet that has only USDT and no native gas token cannot send at all. These are the kinds of detail the HPX help center does not spell out, and the kind that end up in support tickets.

The withdrawal side is similar: how to cash out the balance, what fees apply, and how long it takes are not stated in the help center or App Store. A user who wants to move unspent funds back to a private wallet or to fiat has to find the answer inside the app, if it is there at all.

If you already have crypto in the HPX wallet itself, the top-up path is simpler, because the app handles the conversion in one place. The risk for those users is different: the conversion happens at a rate the app sets, and that rate is the de facto fee even if it is not labelled as one.

Paying with it every day

For someone the card does accept, the day-to-day mechanics are a mix of solid and silent. The card exists as a USD physical card and a USD virtual card, and an unofficial description says there is also a euro option. The App Store says you can spend at “tens of thousands of ATMs worldwide” — a phrase that sounds impressive but is not a number, and the card does not tell you how many free ATM withdrawals you get or what an ATM costs beyond the operator’s fee.

Apple Pay and Google Pay support is not stated on the official pages. In 2026, mobile-wallet tokenisation is the default way a lot of people pay, and the absence of a clear yes or no here is the kind of gap that pushes a potential applicant to test it the hard way: add the card to the wallet and see whether the bank accepts it. Card freeze, two-factor authentication, insurance on the balance, blocked merchant categories (the four-digit MCC codes that identify things like gambling or adult entertainment) — none of this is on the published page.

The app itself, as I read it on the App Store on 2026-10-20, is rated 3.3 out of 5 from 135 ratings. It runs on iOS 15 and up, version 5.6.270301, 420.5 MB, age rating 16+. The Google Play rating was not retrieved in my checks, so I cannot compare the two platforms.

The security model the developer describes is two-wallet. There is an off-chain wallet, where the platform holds the funds, with what the developer calls an “SBC risk control system” and multi-signature co-management. There is also an on-chain wallet, where the private keys are stored on the user’s device under BIP32/39/44/45 standards — a common set of wallet standards covering hierarchical keys, mnemonic recovery and account derivation. The developer states that the app collects no data, which is a strong claim, but it sits alongside an absence of any published card-side insurance, dispute process or chargeback procedure. The general background on crypto cards is worth keeping in mind: with a custodial platform, the user is trusting the provider to hold the funds, and that trust has been broken before in the wider industry.

On the rewards side, the card does not publish a cashback, staking-yield or spending-tier scheme. That is not necessarily a negative — some cards prefer lower fees to rewards — but it does mean there is no published reason to spend more on this card than on any other prepaid USD card.

What can go wrong

This is the section that brought the score down, and the parts I would read most carefully if I were deciding whether to apply.

The first concern is who is actually behind the card. The App Store lists the developer as CIPHERBC PTE. LTD. and the copyright as HYPER BC PTE. LTD., both Singapore-registered names. The website hyperpay.tech redirects to hpx.com. The card’s own pages do not name the issuing bank, the BIN sponsor, or any licence — and that is unusual. Most regulated cards in this category at least name the issuer and the licence they operate under; HPX does not. A reader who wants to know whether their balance is held by a regulated e-money institution, a bank, or a private company in a Singapore office will not find the answer on the card.

The second concern is the user experience of people who already use the app. The 3.3/5 rating on the US App Store from 135 ratings, as of 2026-10-20, sits at the low end for a finance app. An analysis of the same 135 reviews finds two-thirds of them negative. The recurring themes in complaints from around 2022-2024 are coins stuck in “reviewing” status for days with support tickets going unanswered, an inability to withdraw or transfer funds, accounts frozen without explanation, one report of funds moved to an unknown address, and one of an excessive fee. There are also positive reviews praising the app’s ease of use. The balance tilts negative, and the kinds of complaint that appear — frozen accounts, missing funds, no support response — are the kinds that hurt the most.

A 2022 review in the same set calls HPX a scam, citing a card charge labelled as an airline ticket and an inability to withdraw the funds. The developer’s response in that thread points the user to the in-app Help Center or a Telegram “Contact Us” group. I could not find a Trustpilot or Reddit page dedicated to HPX; the search results bring up HyperX (the gaming brand) and unrelated “HP” results, not user discussions of this card. That is not proof of anything, but it is one less place where I could check how real users feel.

The third concern is the operational record. The brand changed from HyperPay to HPX in July 2025. A “Global Travel Virtual Card” is suspended for new applications per a help-center notice. Russia has been added to the list of restricted regions. None of these is a scandal on its own, but together they describe a product line that is being narrowed and re-cut, and during such transitions users often find that features they relied on disappear quietly.

The fourth concern is the support experience. The developer’s standard reply on complaints is to point users to the in-app Help Center (“My Work Order”) or a Telegram “Contact Us” group. The help center at help.hpx.com has an English path. The app lists English and 17 other languages, but the language list is not shown on the public page and Russian is not confirmed. Support hours are not stated. If your account is frozen at midnight in your time zone, the only documented route is to file a work order or join a Telegram group, both of which are asynchronous.

The fifth concern is the broader context. The category background is relevant here: a card that holds your balance through a third party depends on that third party staying solvent and staying in good standing with its card network. Visa has, in the past, terminated a global card programme in a single day (the FTX US debit card in November 2022, after the exchange’s collapse). A prepaid card that depends on a single named or unnamed issuer can be wound down with a short notice period. The user is then left to withdraw any remaining balance on the issuer’s timetable.

If you choose to apply, the things I would check first are: the card-opening fee, in the app, before you pay it; the conversion rate the app uses, against a mid-market rate, before you load anything material; whether the card is on Apple Pay or Google Pay, by trying to add it; and the help-center URL for your country, so you know where to file a work order if a payment does not go through.

What to take instead

Three cards that come up in the same category as HPX, and how they compare on the basics.

A few points of comparison worth pulling out, since the reader is weighing them alongside HPX.

BloFin’s fee ladder is published, and zero at the top tier, which is unusual. Its published costs are the cleanest of the four. The catch is that the spend fee is the whole story — there is no cashback or rebate, so you pay the tier rate and that is the cost of using the card.

Decaf’s approach is different. Activation is the cost, not the year. The card-opening fees are stated up front and the FX is the Visa rate with no extra markup, which makes the everyday cost predictable. The downside is geography: a long list of countries is excluded, including Russia and Belarus, and twelve US states are excluded.

SafePal leans on the wallet side, with 40+ chains and a 0% standard top-up fee. The Mastercard FX fee of 1% on non-USD settlement is a known quantity, and referral-based cashback is not a flat reward. The country list was not retrievable when I checked, which makes the card hard to evaluate for a specific reader.

None of these alternatives is a free upgrade over HPX in every dimension; each one trades off something. The point of laying them out is that on the dimensions HPX is weakest — disclosed costs, named issuer, published FX rate — at least one alternative does better, and that matters for a reader whose priority is transparency.

Who I would recommend it to

If you already use the HPX wallet, hold a balance there, and want a simple way to spend that balance in US dollars without first moving it to a bank, HPX is a reasonable answer. The conversion happens inside the app, the card is prepaid so it cannot overdraw, and the daily limit, if the unofficial figure is right, is high enough for most personal spending. For this narrow audience, the $60 annual fee and the unknown conversion cost are easier to swallow than the same numbers would be for someone starting from scratch.

If you do not already use the HPX wallet, the case is much weaker. You would be loading the card with crypto you hold somewhere else, paying a fee the card does not publish, paying a $60 annual fee the card does publish, and trusting a brand that does not name its issuer or its licence to keep your balance safe. BloFin, Decaf or SafePal — each with their own trade-offs — give you a more transparent cost stack and, in Decaf’s case, a clearer geographic picture.

Two more practical tests before you apply. If your main spending currency is not the US dollar, FX costs will dominate the fee picture, and HPX does not help you quantify them. If you rely on Apple Pay or Google Pay at the till, you should test that the card is tokenised in your wallet before you load a meaningful balance, because the card’s own pages do not say.

The honest summary is that HPX is a real product with real gaps, and the right answer depends on whether the parts it does well — USD card, in-app conversion, wallet integration — match the parts you actually need.

Frequently asked questions

What is the HPX card?

The HPX card is a prepaid payment card linked to a crypto wallet. You load it with coins such as USDT, BTC or ETH, the app converts them to US dollars or euros, and you spend the balance at shops, online and at ATMs as if it were an ordinary prepaid card.

How does the HPX card work?

The card pulls from a stored fiat balance. When you top up with crypto, the app converts it at its own rate and credits the card. The card itself is a standard prepaid card, so a payment cannot exceed the balance and the card cannot go into overdraft.

Is HPX a bank?

HPX is not presented as a bank. The App Store lists the developer as CIPHERBC PTE. LTD. and the copyright as HYPER BC PTE. LTD. The card’s own pages do not name the issuing bank, the BIN sponsor, or any banking or e-money licence.

Who owns HPX?

Public filings and the App Store point to a Singapore-registered group (CIPHERBC PTE. LTD. as developer, HYPER BC PTE. LTD. as the copyright holder). The website hyperpay.tech redirects to hpx.com, and the brand was renamed from HyperPay to HPX in July 2025. Beyond that, the public materials do not name the owner of the wider business.

How do I apply for an HPX card?

You download the app, submit a passport as ID (national ID cards are not accepted), pay a card-opening fee whose amount is not published, and wait for the KYC review. If approved, the card arrives within 30 days. A “Global Travel Virtual Card” is currently suspended for new applications according to a help-center notice.

Does the HPX card require KYC?

Yes. The published step is a passport-based identity check, with the application name matching the passport. There is no published list of further checks, tiered KYC levels, or rejection reasons on the card’s public pages.

How do I top up the HPX card?

You send crypto to a deposit address in the app. The App Store names USDT, BTC and ETH as supported deposits, which the card converts to USD or EUR. The networks to send on are not listed, so you have to check the app for the supported chains before you send.

Is the HPX card safe?

That depends on what you mean by safe. The developer describes an off-chain wallet with multi-signature co-management and an on-chain wallet with BIP-standard key handling, and says the app collects no data. On the other hand, the issuer and licence are not named, the App Store rating is 3.3 out of 5 from 135 reviews, and complaints cluster around stuck balances and frozen accounts. The category background is also relevant: holding funds with a custodian means the user carries the counterparty risk that comes with that.

How do I add the HPX card to Apple Pay or Google Pay?

The card’s own pages do not say. The cleanest way to find out is to add the card in your wallet app and see whether the issuer accepts the tokenisation request. If the wallet rejects the card, the card cannot be used for contactless mobile payments through that device.

Can I withdraw money from HPX?

The help center and App Store do not describe a withdrawal process, the fees that apply to it, or how long it takes. The practical route is to look inside the app for the withdrawal option, because the public pages will not tell you in advance.

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