The Basics
Cashback is calculated in USD on every card payment and paid out to you as WHYPE tokens, sent directly to your Liquid Bank account.
Your final cashback rate comes from two things:
Your tier, which sets your base rate based on how much you have deposited.
Your boosters, which increase that base rate based on how you use Hyperbeat.
Put simply: base rate times boosters equals the rate you actually earn.
Tiers: Your Base Rate
Your tier is based on your total deposits across Hyperbeat. That means your USD balance, your USD+ vault, and any USD+ you've supplied as collateral, all added together.
Tier | Total Deposits | Base Cashback |
Liquid | Up to $1,000 | 0.25% |
Liquid Pro | $1,000 to $10,000 | 0.40% |
Liquid Elite | $10,000+ | 0.55% |
Your tier updates automatically as your balances change. There's nothing to claim or switch on. Grow your deposits and you move up, and your rate follows.
Boosters: Earn Even More
On top of your base rate, three boosters can stack together to as much as double what you earn. Each one rewards a different kind of activity:
Booster | How to unlock it | Boost |
Spender | Spend at least $1,000 on your card in the last 30 days | +50% |
Trader | Reach $250,000 in trading volume in the last 30 days | +25% |
Saver | Hold at least $1,000 in USD+ (your Master USD+ vault and Morpho combined) | +25% |
Boosters are cumulative. Unlock all three and you add +100% on top of your base rate. The combined boost is capped at +100%, which is double your base rate.
A Quick Example
Say you're a Liquid Pro member, so your base rate is 0.40%.
You spent $1,200 on your card this month, so the Spender booster is active (+50%)
You're holding $1,500 in USD+, so the Saver booster is active (+25%)
That's a combined boost of +75%
Your effective rate becomes: 0.40% times 1.75 equals 0.70% cashback on every purchase.
When Do I Get Paid?
Each cashback reward follows this timeline:
Payment made, then up to a 48-hour clearing period, then WHYPE sent to your account.
While a transaction is clearing, its reward shows as "Pending." Once settled, it switches to "Paid" and the WHYPE lands in your Liquid Bank account.
Tracking Your Rewards
Head to the Rewards page any time to see:
Your current tier and which boosters are active
Your effective cashback rate
Your total earnings
A full history of every transaction and its reward
That's it. Spend, hold, and stay active, and your cashback takes care of itself.