Grow Your Crypto Without Leaving Your Wallet

Why earning and borrowing live in the wallet

Most crypto holders run several products at once: a wallet, an exchange, a staking service, a lending protocol. Every hop costs fees, time and an extra counterparty to trust.

HyperPay treats those functions as native wallet features, with terms presented in the app rather than encoded in a contract you are expected to read. That does not make them risk-free; it makes the risk legible and the workflow short.

The same balance can move between roles: stored, staked for a term, posted as loan collateral, or converted onto the HyperCard prepaid card for spending, without leaving the account.

Staking: earning on idle balances

Staking supported proof-of-stake assets earns rewards for helping secure those networks. In HyperPay this is presented as a product rather than a protocol exercise: you select an asset, choose a term, and track accrued rewards in the dashboard alongside the rest of your portfolio.

Terms are flexible or fixed. Flexible terms allow withdrawal at short notice and pay less; fixed terms lock the balance and pay more. The right choice depends on whether you may need the funds, not on which number looks larger.

Rates depend on the asset, the term and network conditions, and the applicable rate is shown before you commit. Rewards are variable by nature; no crypto yield is guaranteed.

Collateralized loans: liquidity without selling

A collateralized crypto loan lets you post assets you own as security and borrow against them. The main reason people use one is to avoid selling: selling realises a taxable event in many jurisdictions and removes your exposure if the asset later appreciates. Borrowing keeps the position intact while giving you spendable value now.

Before borrowing, understand the loan-to-value ratio you are taking on, what price movement would trigger a liquidation, and whether you could top up collateral in time if it did. The applicable terms are shown in the app before you confirm.

Risks worth understanding

Earning products carry real risk. Staking rewards vary, fixed terms restrict access for the duration, and loans add price risk on top. The mitigation is scope: keep an unencumbered reserve and treat these features as tools for balances you were holding anyway.

How this compares to DeFi protocols

Doing the same on-chain means connecting a wallet like MetaMask to a protocol, approving contracts, and accepting smart-contract, governance and oracle risk. The upside is transparency and often better rates; the downside is that one bad approval can be unrecoverable.

HyperPay's native features shift that to platform risk instead: you rely on HyperPay's infrastructure and terms rather than on contract code you would need to read. The wallet has operated since 2017 with no publicly reported major security incident and is audited by SlowMist and CertiK, which is the evidence base for that trust. Neither model dominates — see HyperPay vs. MetaMask for the fuller contrast.

Where this fits

Staking and loans are one layer of the product; the HyperPay crypto wallet overview shows how they connect to custody and everyday spending.

These features are managed in-app, so download HyperPay from the official download page to see current rates and terms. If you are still choosing where balances live, our guide to what a self-custody crypto wallet is covers the custody side of that decision.