HPX promises USD cards paid from crypto. Most of the useful numbers are missing.

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

I have been through HPX’s public pages — the help centre, the App Store listing, the developer details — and I want to be straight with you about what that produced. HPX is a real, running service with an app you can install and a card you can hold, and the basic shape of it is clear: you load crypto, it is converted into dollars or euros, and you spend from a stored balance like a prepaid card. That much I could establish. What I could not establish is most of the numbers you would need to decide whether it is worth using: the conversion fee, the foreign-exchange fee, the ATM fee, the daily and monthly limits, the card-opening fee, the name of the issuer, the licences, the network your deposit has to arrive on. The card’s own pages say “not stated” about all of these because that is genuinely what they say. This review reports the score I give it, 4.7 out of 10, and then walks through each part so you can see exactly where my confidence comes from and where it stops.

The conditions described here are current as of October 28, 2026.

Who this suits: you already hold crypto, you mostly spend in the United States or the eurozone, you want a dollar card that draws on your crypto, and you are willing to hold money on a platform’s balance between payments. Who it does not suit: anyone who needs a normal bank account with a real IBAN, dispute rights you can rely on, published limits, or a fee schedule you can calculate before you spend. If the absence of numbers is itself a deal-breaker for you — and for a lot of people it is — then read the cost and risk sections below first and stop there if they are too thin.

The single strongest signal in the whole file is the last row of that table. 3.3 out of 5 across 135 ratings on the US App Store is not a rounding error; it is a substantial minority of users actively dissatisfied. When I read the individual complaints the pattern is consistent: coins stuck in a “reviewing” state for days with tickets unanswered, inability to withdraw, accounts frozen without explanation. There is also some praise for ease of use, so this is not a card everyone hates. It is a card a large share of its users cannot get working, or cannot get their money out of.

Will they give you the card

Short answer: maybe, and the people who know for certain are not the people reading this. The help centre’s Q&A says the application is restricted in Mainland China, Russia, Turkey, Pakistan and others. That list is not fixed — the page says it changes with policy — and the remaining countries are not named. So the honest reading is: a large part of the world is not eligible, some countries are in a state of flux, and the page does not give you the rest of the list. If you are outside those named regions, the page does not promise you approval; it only fails to exclude you.

One detail worth carrying with you: people who already held a card in restricted regions are generally unaffected, with an explicit exception for Russia. If you are reading this from Russia and already had one, that sentence is the one to pay attention to. If you are applying fresh, the restriction is the operative fact.

The other thing the page does not settle is whether the test follows your citizenship or where you live. The rule looks residence-based to me — the wording is about regions and where you are — but citizenship is not stated. That matters more than it sounds, because the way these checks are usually built is that nationality and country of birth are screened separately from your address. Someone who moved but kept a nationality from a restricted country can be treated differently from someone with that same address and a different passport. I would not assume either way; I would ask them.

There is a related fact from the background that reframes the question. Sanctions screening routinely applies to citizenship and country of birth as well as to country of address. So a “no” here is not always about where you live.

How to get it

You need a passport. Not an ID card — the help centre is explicit that identity cards are not accepted — and the name on your application must match the passport exactly. That is the whole identity requirement as published: you submit KYC, the card arrives within 30 days of approval, and a card-opening fee is paid before the review starts. That last point is the one to sit with. Money leaves your account before anyone has looked at your documents.

Proof of address and an age requirement are not stated. There are no published KYC tiers, no stated processing time beyond the 30-day delivery window after approval, and no list of reasons an application can be rejected. So the honest shape of the signup is: passport, fee, wait, card.

On what you get, the App Store description is straightforward — a prepaid card linked to a crypto wallet that converts crypto to USD or EUR, with USD physical and USD virtual cards. The card network is not stated. And there is a wrinkle: a “Global Travel Virtual Card” is suspended for new applications according to a help notice, so if that was the product that caught your eye, it is not currently open. One third-party source describes HyperCard as having virtual and physical types in both US dollars and euro; that is unofficial and not confirmed by the card’s own pages, and it lines up with what the App Store says but goes further in claiming a euro card.

Fees and what a payment really costs

This is the section where HPX is weakest, and I want to be blunt about why. A USD $60 annual fee for the physical card is a real number and it is high — it is deducted from your first deposit, so you will feel it immediately, before you have bought anything. On top of that, a card-opening fee is charged before review and the amount is not published. Beyond those two, the pages are silent: the App Store lists no fees, and there is no conversion fee or foreign-exchange fee published anywhere I could find.

Silence on conversion and FX is not the same as zero. When you hold a dollar card and pay a café in euros, or convert BTC into dollars to do it, someone is taking a spread or charging a percentage. The mechanism exists; the number does not. You cannot calculate what a purchase will cost you from the public pages. That is the finding.

Now let me walk through three ordinary payments, because that is the only way to show you what the missing numbers cost you.

A coffee in dollars, in the United States. The USD $60 annual fee has already gone, taken from your first deposit. What remains unknown is whether converting the crypto into dollars to load the balance cost anything. If it did, it is a percentage of a small purchase — probably the least of your problems on that transaction.

A holiday dinner in euros, paid with the same dollar card. Two unknowns stack here: what it costs to convert your crypto into dollars, and what the card charges on a currency conversion. Some issuers add nothing and pass through the network rate; others take a percentage. HPX does not say which it is. This is the payment where the missing numbers actually matter.

An ATM withdrawal abroad. “Tens of thousands of ATMs worldwide” is the claim, and it is a claim about reach rather than price. The fee is not stated and neither is any allowance. ATMs also, across this category, tend to to charge their own operator fee on top of anything the card charges — a distinction that matters and that no card page ever spells out for you.

Two more limits are worth noting because they affect whether the card is usable. The daily and monthly spending limits are not stated, so if you make a large purchase you have no idea in advance whether it will clear. The unofficial figure circulating — 50,000 US dollars, or no limit — is from a third party and I would not plan around it.

How to top it up

Crypto deposits: USDT, BTC and ETH, converted into USD or EUR on the card. That is the mechanism, and it is the card’s whole reason to exist. The networks are not named, and that omission is more consequential here than anywhere else on the page.

Here is why. If you send USDT on the wrong network to a card that does not support it, the transfer does not bounce politely — blockchain transfers are effectively irreversible. There is no support line that undoes it. Tether also states that it disables tokens in wallets on the sanctions list, so stablecoins are not censorship-proof in either direction. Your deposit has to arrive on a network the provider supports, and HPX has not published which ones those are. Find that out before you send anything, not after.

The daily top-up options, the minimum, the time a deposit takes to clear, and whether you can withdraw back out are all not stated. That last one deserves a separate beat, because it is the question people ask me most often about this kind of card, and complaints specifically mention being unable to withdraw or transfer. The pages do not describe a withdrawal process at all.

If you are weighing the alternatives on this point, they are more forthcoming: Decaf can be paid by a payment link or account details through a card, a bank transfer or USDC, and runs on Solana and Stellar. SafePal converts from more than 40 blockchains into USDC or fiat. BloFin tops up with USDT and USDC on Arbitrum and Base. In every one of those cases you can see the networks before you commit money. With HPX you cannot.

Paying with it every day

It is a USD card. Physical and virtual, both in dollars, and you spend the stored balance like a prepaid card. That is the whole everyday proposition, and within it there are both a genuine strength and a real gap.

The strength is the balance model. Because the card spends only what you have loaded, it cannot overdraw, and there is no bank to be declined by. If you are someone without reliable access to an ordinary bank card, that predictability has real value — it is the situation the card is aimed at.

The gap is everything around it. Apple Pay and Google Pay support is not disclosed. Wallet support, and any blocked merchant categories, are not stated. There are no rewards, no cashback, nothing about tiers — the products I could see listed have no benefits spelled out per product. And there is no stated policy on disputing a charge. That last one matters more than it sounds: if a payment goes wrong, whether you can get your money back depends on rules the issuer applies, and US debit-card reversal rights and prepaid-card coverage differ, with prepaid coverage varying and not something to assume.

On Apple Pay specifically, if you are wondering: the mechanism exists in general — the card number is replaced by a device-specific number stored on the device, and each payment uses a one-time code — but whether HPX supports it is simply not on the page, and I am not going to guess.

What can go wrong

Start with the users, because they know things the pages do not. The App Store shows 3.3 out of 5 from 135 ratings. A third-party analysis of those 135 reviews puts a large share of them negative, and the themes run mostly from 2022 to 2024: coins stuck in “reviewing” for days with tickets unanswered, inability to withdraw or transfer, accounts frozen without explanation, one report of funds moved to an unknown address, one of an excessive fee. Alongside that, some people praise how easy it is to use. One 2022 review calls it a scam and describes a card charge labelled as an airline ticket, with funds they could not withdraw; the developer pointed that reviewer to in-app support and Telegram. A search for Trustpilot and Reddit discussion found nothing about HPX specifically — only HyperX and unrelated HP results — so you cannot add independent user commentary to the picture. The rating is the only user signal I found.

Then the company behind it. The App Store developer is CIPHERBC PTE. LTD., with copyright held by HYPER BC PTE. LTD., and the site hyperpay.tech redirects to hpx.com. The card’s issuer, its BIN sponsor and its licences are not named. That is the finding I would put at the top of your list. In this category the card network sets the rules, the issuer holds the programme and is the party that is actually regulated, and the crypto brand is often just the front end that markets it. When the front end does not name the issuer, you cannot check a licence register for the entity that holds your money. The brand changed from HyperPay to HPX in July 2025. I found no licence or issuer events in the news, which is neutral rather than reassuring.

Where funds sit, the App Store says there is an off-chain wallet held by the platform — described as using an “SBC risk control system” and multi-signature co-management — and an on-chain wallet with private keys stored locally under BIP32/39/44/45 standards. The developer states it collects no data. Card freeze, two-factor authentication and any insurance are not stated. Read the off-chain part carefully: platform-held means counterparty risk, and this category has a long record of it. Mt. Gox lost about US$350 million as reported between 2011 and 2014, Coincheck about US$400 million in 2018, and the Ronin Network bridge lost US$625 million in 2022. Multi-signature and a named risk system are real controls, not guarantees.

Support is in-app — a Help Center with a “My Work Order” flow — and a Telegram “Contact Us” group, with English at help.hpx.com and 17 further languages listed in the app, though the list was not shown and Russian was not confirmed. Hours are not stated. I mention Telegram as a fact, not a recommendation.

Finally, the structural risks that apply to any card in this category, and which this card’s thin disclosure does nothing to reduce. A BIN lookup tells a shop which institution and country issued your card, and if that differs from your billing address the shop may scrutinise you or decline — which is why a card issued in one country can look foreign in another. Some merchants decline prepaid or foreign BINs for exactly that reason. Address verification is mainly offered in the US, Canada and the UK and is generally unavailable for foreign-issued cards, which causes declines. A declined authorisation can leave a hold on your funds for up to seven days. Gambling merchant codes are blocked by some issuers by policy rather than law, and the blocked list varies. And programmes do close: Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down; WaveCrest was suspended by Visa in Europe in 2018, closing every Visa programme it issued. A closure typically means a notice period, then spending and loading stop, then you are asked to withdraw what is left.

What to take instead

HPX scores 4.7. These three score higher, and the reason is not that they are more exciting — it is that they publish more. Each of them is listed with what I could actually verify.

Take BloFin if your priority is the fee schedule. Zero activation, annual, issuance and dormancy fees, a spend fee that falls from 1.00% to 0.00% across tiers, and two named networks to send to. It has no cashback — it says so outright, and lowers the spend rate instead, which is the honest version of the same idea. Its weakness is that it does not publish its country list on the card page either.

Take Decaf if you want a card with no annual fee and a clear answer on who is excluded. Its restricted list is the most specific of the three: named countries plus 12 named US states. It adds no FX fee and passes through Visa’s rate. What I could not establish is which coins and networks actually top up the card.

Take SafePal if you want breadth of networks and a Mastercard rather than a Visa. Forty-plus blockchains is the widest coverage of the three. But it charges 1% on non-USD settlement, and swaps carry an unquantified spread — its own pages elsewhere say crypto top-up as low as 0.4% on the top tier, which is a different number for a different thing, and the rewards structure is referral commissions rather than cashback.

The pattern across all three, and the reason none of them scores much above 7: none of them fully states everything either. I am not telling you one of these is safe. I am telling you that HPX asks you to commit money with less published information than any of the three.

Who I would recommend it to

I would recommend HPX to one specific person: someone already holding USDT, BTC or ETH, spending almost entirely in dollars, who wants a dollar card for everyday purchases and is comfortable leaving a balance on a platform between payments. For that person, the prepaid balance model is genuinely useful — it cannot overdraw, and prepaid cards work in a way ordinary cards do not when your banking is unreliable.

I would not recommend it to you if any of these is true. You need a bank account with an IBAN in your own name. You need published limits, because you make large purchases and cannot afford to have one declined. You need to know what a currency conversion costs before you book a trip. You need dispute rights you can rely on, and prepaid-card coverage varies. You are sending money on a blockchain and need to know the network is supported first, because blockchain transfers do not reverse. Or you have decided that a card whose issuer and licences are not named is not one you will put money behind. If the last one is your position, stop reading and pick a card that names its issuer.

Two things would move the score materially, and both are things the card could simply publish: a fee schedule with the conversion and FX percentages, and the name of the issuer and its licence. Neither is exotic. That is the frustrating part of this review — I could not give you a lower score because the product is bad, and I could not give you a higher one because the information is missing.

Frequently asked questions

What is HPX card?

HPX 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 stored balance like a gift card. USD physical and USD virtual versions exist. The developer listed on the App Store is CIPHERBC PTE. LTD., and the brand was renamed from HyperPay to HPX in July 2025.

Is HPX a bank?

No, and this is worth being precise about. HPX does not describe itself as a bank and its pages name no banking licence. In this category the party that holds the card programme and is regulated is the issuer, while the crypto brand is often only the front end. HPX does not name its issuer, so you cannot look the regulated entity up. Treat it as a platform balance, not bank money.

How do I get an HPX card?

You apply in the app and need a passport — ID cards are not accepted — with your name matching it exactly. A card-opening fee is paid before your documents are reviewed, so money moves first. Once approved, the card arrives within 30 days. Proof of address and an age requirement are not stated, and no rejection reasons are published, so treat the approval as unpredictable rather than routine.

Does HPX card require KYC?

Yes, it requires KYC with a passport, and it will not accept an identity card instead. Beyond that the pages are thin: no tiers, no stated processing time beyond the 30-day delivery window after approval, and no published list of reasons an application can fail. Because national identity details are screened separately from your address in most systems, expect your nationality to be checked as well as your documents.

Is HPX card free?

No. The USD physical card carries a USD $60 annual fee, and it is taken from your first deposit rather than billed later. On top of that, a card-opening fee is charged before review and the amount is not published. A time-limited zero-fee offer is mentioned for the PRO virtual card but may be outdated. Everything else — conversion, foreign exchange, ATM — is not stated.

How do I top up the HPX card?

You send crypto — USDT, BTC or ETH — and it is converted to USD or EUR on the card. The networks are not named, and that is the one thing you must resolve before sending anything. Blockchain transfers are effectively irreversible, so a deposit on an unsupported network can be lost. Minimums, clearing time and the full list of top-up options are not stated. BloFin, Decaf and SafePal all publish their networks; HPX does not.

Can I withdraw money from HPX?

The public pages do not describe a withdrawal process at all, so I cannot tell you how or whether. This matters because user complaints specifically mention being unable to withdraw or transfer, and a 2022 review describes funds they could not withdraw. If keeping your money mobile is important to you, ask support directly and get an answer before you load anything significant.

Is the HPX card safe to use?

Safety splits into two questions. Your crypto side: the app states an on-chain wallet stores keys locally and an off-chain wallet is platform-held, with the developer saying no data is collected — but platform-held money carries counterparty risk, as this category’s history shows. Your fiat side: the issuer and its licences are not named, so there is nothing to verify against a register. Card freeze, two-factor authentication and insurance are also not stated.

Is HPX card available in my country?

Possibly not. Applications are restricted in Mainland China, Russia, Turkey, Pakistan and others, and the list changes with policy while the remaining countries are not named. The rule looks residence-based but citizenship is not stated. Existing cardholders in restricted regions are generally unaffected, with an explicit exception for Russia. If your country is not on the named list, that means only that HPX has not excluded it, not that you will be approved.

Is the HPX card worth it?

Worth it if you already hold crypto, spend mainly in dollars, and want a USD card that draws on a crypto balance without an overdraft risk. Not worth it if you need published fees, stated limits, reliable withdrawals, dispute rights you can count on, or the name of a licensed issuer. HPX scores 4.7 out of 10 on my reading, and the low mark is almost entirely about missing disclosure rather than a product that does not work.

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