BeatPass tiers
Your BeatPass tier determines your base cashback rate. The more USD you deposit and hold in your Liquid Bank account, the higher your tier and the more you earn back on every card payment.
Tier | Balance required | Base cashback rate |
Liquid | $0 – $9,999 | 0.25% |
Liquid Pro | $10,000 – $99,999 | 0.40% |
Liquid Elite | $100,000+ | 0.55% |
Your tier is based on your current beatUSD balance held in Liquid Bank. As your balance grows, you automatically move up to the next tier. If your balance drops below a tier threshold, your tier adjusts accordingly.
You can check your current tier on the Rewards page in the Hyperbeat app.
Activity Boosters
On top of your base rate, you can activate up to three Activity Boosters that multiply your cashback. All three can be stacked together for up to 2x your base rate.
Credit spender (+50%)
The biggest boost. Spend in Credit Mode — instead of drawing from your balance, you borrow against your crypto collateral (HYPE, ETH, BTC, SOL, XAUT, or USD+). Your assets keep earning yield while you spend.
How to activate:
Deposit eligible collateral in Liquid Bank.
Toggle Credit Mode on in your account settings.
All card payments are now treated as credit draws and qualify for the boost.
Active trader (+25%)
Get rewarded for trading on the platform. With up to 40x leverage available, reaching the target is more achievable than it sounds.
How to activate:
Trade at least $250,000 in cumulative volume within a calendar month.
All trades on the Liquid Bank trade page count, including leveraged positions.
Progress resets automatically on the 1st of each month.
Saver (+25%)
The easiest booster to activate. Just save a portion of your balance in USD+ and collect extra cashback.
How to activate:
Keep at least 25% of your total beatUSD balance allocated to USD+.
For example, if you hold $10,000 in beatUSD, saving $2,500 or more in USD+ activates the booster.
Your funds in USD+ continue earning yield while remaining fully liquid.
Example: how boosters stack
Say you are on the Liquid Pro tier (0.40% base rate) and you have all three boosters active:
Base rate: 0.40%
Credit spender: +50% → +0.20%
Active trader: +25% → +0.10%
Saver: +25% → +0.10%
Total multiplier: 2x
Effective cashback rate: 0.80%
On a $500 card payment, you would earn $4.00 worth of WHYPE in cashback.
How settlement works
Cashback is displayed in USD value but is always settled in WHYPE (wrapped HYPE) to your Liquid Bank account.
Here is how the process works:
You make a card payment. Your cashback reward is calculated immediately and appears as Pending on the Rewards page.
The transaction clears. Card transactions typically take up to 48 hours to clear with the card network.
Cashback is settled. Once the transaction clears, WHYPE is purchased and distributed to your Liquid Bank account. Your reward status updates to Paid.
Reward statuses
Pending — The transaction has not yet cleared. Your cashback is calculated but not yet paid out.
Paid — Settlement is complete. WHYPE has been deposited to your Liquid Bank account.
Reversed — The transaction was cancelled or excluded, and no cashback was paid.
Because the actual WHYPE amount depends on the market price at the time of settlement, the HYPE amount may vary slightly from the USD value shown while the reward is pending.
Where to track your cashback
Go to the Rewards page in the Hyperbeat app.
Your current BeatPass tier, effective cashback rate, and total cashback earned are displayed at the top.
The Rewards history table shows every cashback transaction with the tier, rate, reward amount, and status.
Tap View on any row to see the full transaction details, including the merchant, transaction amount, and reward breakdown.
Good to know
Cashback and referral rewards are separate. Cashback is paid in WHYPE. Referral yield-share rewards are paid in USD.
Boosters stack. You can have all three active at once for the maximum 2x multiplier on your base rate.
Your effective rate is locked per transaction. The cashback rate applied to a purchase is whatever your rate was at the time of that transaction, including any boosters that were active.
Declined or reversed transactions do not earn cashback.