USD+ is Hyperbeat's built-in savings product. Deposit your USD and it starts earning yield automatically - no manual steps, no monitoring needed.
Think of it like a high-yield savings account that's always working in the background.
Target yield: 3–8% APY
No deposit or withdrawal fees
Nothing to manage, it runs itself
Good to know: APY (Annual Percentage Yield) is the rate you'd earn over a full year. Your actual returns will vary depending on market conditions - you can always check the current rate in the app before depositing.
How does USD+ earn yield?
When you deposit into USD+, your funds are lent out to other users on Hyperbeat's credit markets. Those borrowers pay interest - and that interest comes back to you as yield.
Think of it like being the bank: you're lending your idle dollars to borrowers and collecting the interest they pay.
The yield builds up automatically inside your balance every day. You won't see separate "interest payments" - your USD+ just quietly becomes worth a little more USD over time.
Example:
Deposit $1,000 today. By end of year at 6% APY, your balance is worth around $1,060 - without doing anything.
The system automatically adjusts behind the scenes to keep your yield optimized. No action needed from you.
How do I start earning?
Open the Hyperbeat app and tap "Earn now" on the USD+ savings card.
Enter the amount you want to deposit.
Review the summary and tap "Confirm deposit".
Done - your balance is now earning yield.
Deposit fee: Free.
Good to know: You'll notice you receive slightly fewer USD+ tokens than the dollars you put in. That's normal - it's because each USD+ token is already worth slightly more than $1, since it's been accumulating yield. The app shows you exactly what you'll receive before you confirm.
How do I withdraw?
Tap "Withdraw" on your USD+ balance.
Enter the amount and confirm.
Your withdrawal is queued and processed within 24 hours.
Your USD arrives back in your main balance.
Withdrawal fee: Free.
Good to know - your rate is protected: The exchange rate is locked the moment you submit your withdrawal. Even if conditions shift overnight, you'll receive exactly what the app showed you when you tapped Withdraw.
Why 24 hours? Your funds are actively deployed earning yield. The 24-hour window gives the system time to free up your funds - similar to a notice period on a savings account.
Is my money safe?
Here's what's in place to protect your funds:
Audited contracts The USD+ vault has been independently audited by security experts before going live.
Funds spread across multiple markets Your deposit isn't concentrated in one place - it's distributed across lending markets, so no single issue can affect your whole balance.
Liquidity always available The system never lends out 100% of deposits. It keeps a meaningful reserve available at all times so withdrawals can always be processed.
Your withdrawal rate is locked Once you request a withdrawal, your rate is guaranteed - protecting you from any last-minute fluctuations.
A note on risk: USD+ is not a bank account and doesn't have government deposit insurance. Yields come from real borrowing activity, if demand drops, your APY may decrease. Your deposited amount is not directly at risk from yield fluctuations, but as with any on-chain financial product, smart contract risk exists.
Fees
|
|
Deposit | Free |
Withdrawal | Free |
Performance fee | 10% of yield earned |
Earn while you spend with Credit Mode
USD+ isn't just a savings product - it also unlocks Credit Mode on your Hyperbeat card.
When you hold USD+, it acts as collateral that gives you a credit line. You can spend on credit while your USD+ balance keeps earning yield in the background at the same time.
Your savings keep working for you, even while you're spending.
How it works
Deposit USD into USD+, it starts earning yield immediately.
Enable Credit Mode in the app, your USD+ balance automatically becomes collateral.
Your credit limit unlocks, you can spend up to 75% of your USD+ value on credit.
Spend on your card, your USD+ stays in the vault, earning yield the whole time.
Repay when ready, pay off your credit balance at your own pace.
Good to know: You're borrowing against your USD+, not spending it. Your deposit stays in the vault earning yield - it only gets touched if you don't repay your credit balance.
How do I set this up?
Deposit your USD into USD+ (tap "Earn now" on the savings card).
If you're not in Credit Mode yet: enable it in the app - it's a one-time setup.
If you're already in Credit Mode: go to your collateral settings and add USD+ as a collateral asset.
Your credit limit updates to include your USD+ balance - ready to use.
Good to know: Your credit limit updates automatically as your USD+ balance grows, so the more you deposit, the more spending power you unlock.
Common questions
Can I deposit and withdraw whenever I want? Yes - no lock-up period. Withdrawals are processed within 24 hours.
What APY will I actually earn? The 3–8% range is a target. The live rate in the app reflects current market conditions and is what you'll actually earn going forward.
Do I keep yield I've already earned if I withdraw early? Yes. Yield builds up continuously in your balance. Whatever you've earned is already there when you withdraw.
Is there a minimum deposit? No minimum - deposit any amount.
What happens to my USD+ if I don't repay my credit balance? If your credit balance grows large enough that it's no longer covered by your collateral, the system may automatically use a portion of your USD+ to repay the debt. This is called liquidation. Because USD+ is a stablecoin, this risk is much lower than with volatile crypto assets — but it's worth keeping your credit usage well within your limit.