Hyperbeat Pay vs Cycles Pay

Hyperbeat: Crypto Wallet & Card Hyperbeat is a self-custodial crypto wallet and spending app. Manage your digital assets and spend anywhere in the world with a crypto-backed Visa card, secured by a passkey with no seed phrases required. Crypto-Backed Visa Card: Fund your card with the crypto assets already in your portfolio and spend at any merchant worldwide. Switch between credit and debit spending modes, set your own spending cap, and freeze or unfreeze your card instantly from the app. Earn cashback on every purchase, with tiered boosters for active users. Passkey Security: No Seed Phrases Your assets stay in your control at all times. Sign in with a passkey, the same technology that secures your Apple ID, instead of a 12-word seed phrase. No custodian holds your funds. Multi-Chain Deposits: Deposit over 15 crypto assets from any major blockchain. Connect an external wallet via WalletConnect, bridge from Arbitrum, Base, or Ethereum, or send directly from a hardware wallet. Supported assets include USDC, USDT, ETH, BTC, SOL, HYPE, and more. Savings Balance: Convert your stablecoins into a savings balance that works for you automatically. Withdraw any time with no lock-up. Spending Analytics: Track your card spend by category: groceries, dining, transport, entertainment, and more. View top merchants, cashback earned, and spending trends over 7, 30, or 90 days. Portfolio Dashboard: View your complete portfolio in one place. Track your balance history over time with interactive charts and see exactly how your assets are allocated. Quick Identity Verification: Verify your identity in under 5 minutes to unlock your card and full account features.

Cycles Pay is a modern payment app built for both businesses and individuals, combining private transactions, stablecoin and fiat payments, and yield. Private by default Nearly all payment apps expose balances, history, and counterparties. With Cycles Pay, transactions are shielded using zero-knowledge proofs, so sensitive financial data stays private, while remaining auditable when needed. Automatic yield In both fintech & crypto alike, earning yield usually means a lot of deposits & withdrawals. In Cycles Pay, funds remain productive while still being usable for payments, letting individuals & businesses earn on idle balances without sacrificing time or liquidity. Fiat payments (Coming soon) Send and receive fiat directly in the Cycles Pay application. Our integrated virtual bank accounts automate the conversion to and from fiat on entry and exit, meaning everyday payments can be processed straight from the application.