HPX is a Web3 financial platform that aims to integrate digital asset management services with real-world payment and spending capabilities. It functions as a financial gateway to unify asset storage, yield generation, trading, and global spending within a single ecosystem. ^[1]

Overview

HPX is presented as a comprehensive financial platform designed to bridge the gap between the digital asset economy and conventional daily financial activities. The project is a brand evolution of HyperPay Wallet and leverages its predecessor's operational history and security infrastructure. According to the project, HyperPay Wallet operated for over eight years without any reported security incidents, amassed over five million registered users, and managed more than $2 billion in assets. ^[1]

The platform's stated goal is to provide a unified ecosystem where users can manage the entire lifecycle of their digital assets. This includes secure storage, accessing yield-generating products, and spending cryptocurrency through crypto-backed payment cards. HPX is designed to cater to a diverse user base, including retail users seeking stable returns, advanced traders managing multi-chain portfolios, and businesses that require infrastructure for cryptocurrency payments and settlement. The project reports that its services are available in over 170 countries and regions. ^[1]

Products and Services

HPX offers a suite of integrated financial products designed to work together within its ecosystem. These services cover asset storage, trading, yield generation, and payments. ^[1]

HPX Wallet

The HPX Wallet is a core component of the ecosystem, featuring a dual-stack architecture that combines both custodial and non-custodial (Web3) functionalities. This hybrid approach allows users to choose between the convenience and recovery features of a custodial service or the self-sovereignty of a non-custodial wallet. The wallet supports over 53 different blockchains, enabling users to store a wide variety of digital assets. It is designed to facilitate instant internal transfers between HPX users and provides integrated access to a reported 10,000+ decentralized applications (dApps). ^[1]

HyperCard

HyperCard is a product line of cryptocurrency-backed prepaid cards issued in partnership with major payment networks, including Visa, Mastercard, and UnionPay. These cards are designed to be rechargeable using digital assets such as USDT, BTC, and ETH, with conversions processed at real-time rates. HPX reports that over 200,000 cards have been issued, which are accepted by a network of over 50 million merchants across more than 176 countries. In addition to serving individual users, HPX offers a white-label service that allows businesses to issue their own custom-branded crypto-backed cards. ^[1]

HPX Earn

HPX Earn is the platform's yield-generation service, providing a range of financial products to accommodate different risk appetites and investment strategies. The offerings include flexible and fixed-term savings accounts for users seeking stable returns. For automated investing, it provides a Smart Dollar-Cost Averaging (DCA) tool. The service also features DeFi aggregator pools that connect users to various decentralized finance protocols. Proprietary investment products such as Earn+ and the HBT Smart Pool are available, which are designed for potentially higher-growth returns. ^[1]

HPX Trading

The platform incorporates trading functionalities through a spot flash exchange and a perpetual contracts market. The perpetuals trading feature supports up to 100x leverage on trades. The trading service provides access to over 60 digital asset pairs. To optimize order execution and minimize price spreads, HPX sources liquidity from multiple external venues. ^[1]

HPX Pay

HPX Pay is a payment infrastructure solution built for merchants. It aims to simplify the process of accepting cryptocurrency payments by offering one-click integration for businesses. The system supports payments in over 180 different cryptocurrencies and features automated settlement into multiple fiat or digital currencies. This service is intended to provide merchants with an efficient and compliant method for managing crypto transactions. ^[1]

Sealer 2100 Hardware Wallet

The Sealer 2100 is a proprietary hardware wallet developed by the HPX team. It incorporates iris-recognition technology as a form of biometric security for user authentication. The device is built with an EAL6+ certified secure chip to protect private keys. For transaction signing, it employs AirGap technology, which allows the wallet to operate in a fully offline mode, isolating it from online threats and potential malware. ^[1]

Features

HPX emphasizes several key features that define its platform's approach to integrating crypto with finance. A central theme is the focus on real-world utility, with the goal of creating a closed-loop system where users can generate yield on their assets and then spend those earnings directly through the HyperCard. The platform’s global spending capability is a primary feature, enabled by its direct partnerships with major payment networks that connect users to a worldwide merchant infrastructure. ^[1]

For its yield-generation services, HPX highlights its use of what it describes as AI-enhanced risk engines to manage its smart yield products. These systems are intended to help automate asset growth and manage risk across its investment offerings. To support businesses, the HPX Pay feature is designed to empower merchants by lowering the technical and operational barriers to accepting cryptocurrency payments. Finally, the platform's operational history of eight years without a reported security incident is presented as a core feature demonstrating its reliability and security posture. ^[1]

Architecture

The architecture of the HPX platform is based on a dual-model system, integrating a centralized, custodial infrastructure with a decentralized, Web3 wallet infrastructure. This hybrid design allows users to select the service model that best fits their needs, whether it is the convenience and backup options provided by a custodial service or the full control and self-sovereignty offered by a non-custodial wallet. ^[1]

On the security side, the platform's architecture incorporates enterprise-grade technologies to protect user assets and data. This includes the use of Hardware Security Modules (HSM) for secure private key generation and management, multi-signature (multisig) protocols that require multiple authorizations for transactions, and AES-256-GCM encryption for securing data in transit and at rest. The platform also states that user funds held in its custodial services are audited and supervised by HyperBC, which is described as a licensed custodial entity. ^[1]

Ecosystem

The HPX ecosystem is structured to create a cohesive and interconnected experience across its various product pillars: Wallet, Earn, Trading, and Pay. The HPX Wallet acts as the central hub, providing users with a single point of entry to access all other platform services. The integration between HPX Earn and the HyperCard is a key part of this ecosystem, allowing users to generate yield on their digital assets and then seamlessly load those funds onto a payment card for real-world spending. ^[1]

The HPX Pay service extends the ecosystem into the business-to-business (B2B) sector. By enabling merchants to accept cryptocurrency payments, it creates a commercial off-ramp for digital assets and expands the network of locations where HPX users and the broader crypto community can spend their funds. The platform's extensive support for over 53 blockchains and its integration with more than 10,000 dApps aim to position it as an interoperable gateway within the wider Web3 landscape, connecting its users to a broad range of decentralized services and protocols. ^[1]

Use Cases

The platform is designed to address the needs of several distinct user profiles and scenarios within the digital asset space.

• Users who want to earn stable or high-growth returns on their digital assets through a variety of structured financial products.
• Power users who require advanced tools to manage a diverse portfolio of assets across multiple blockchains and dApps.
• Individuals and businesses seeking a practical method for spending cryptocurrency on everyday goods and services on a global scale.
• Merchants and businesses that require a compliant and efficient system for accepting cryptocurrency payments and managing multi-currency settlements.

These use cases are supported by the platform's integrated suite of products, which combine asset management with payment functionalities. ^[1]

Tokenomics

Available source materials do not provide specific information regarding a native HPX token. While the HPX Earn service mentions an "HBT Smart Pool," there are no further details to confirm what "HBT" refers to or its function within the ecosystem. Information regarding token allocation, on-chain utility, or a potential governance model for the platform has not been detailed in the provided materials. ^[1]

Confirmed Partnerships

HPX has established partnerships with several major entities in the financial and digital asset sectors to support its product offerings.

• Visa: A partner for the issuance of the HyperCard crypto-backed card.
• Mastercard: A partner for the issuance of the HyperCard crypto-backed card.
• UnionPay: A partner for the issuance of the HyperCard crypto-backed card.
• HyperBC: A licensed custodial entity that audits and supervises user funds managed on the HPX platform.

The project also states that it has integrations with 10 global banks and card issuers, though these partners are not explicitly named in the available documentation. These partnerships are central to enabling the platform's global payment capabilities. ^[1]