Skip to main contentThe Swype Credit Card lets you spend directly against your on-chain positions without selling assets. Each tap routes through HypurrFi’s real-time credit infrastructure, pulling from your HypurrFi Markets positions in either Borrow Mode or Spend Mode. No top-ups or off-ramps are required; everything executes on-chain at the moment of payment.
Overview
The Swype Card is a credit card that allows users to spend from lending positions without selling crypto.
Please refer to the Swype FAQ documentation for information and troubleshooting.
Eligibility
Automatically available to HypurrFi users with a balance of collateral deposited onchain.
Requires KYC and your region must be lawfully allowed to participate.
Eligibility can be checked at: https://app.hypurr.fi/card
Beta Whitelist Eligibility
The top 1000 HypurrFi points holders are eligible for whitelist access to the card, as well as NFT holders from Otti Otters, TinyHyperCats, and ‘I’m Kitty’ Hypio NFT holders.
The full card product will relaunch soon with open access to all HypurrFi position holders.
Interest and Repayment
Interest rates are variable at whatever rate for the asset in the HypurrFi Market. These rates change with utilization of available assets in the market.
Users can refinance into a different borrow asset at any time, all interest rates are variable and are listed prominently on the HypurrFi Market App.
There is no scheduled payment time. Interest accrues every second, but it’s designed to smoothly compound to the annual APY you see. In other words, you don’t get charged 10% every second, but if you had this rate over the course of the year, you would end up paying 10% interest in total.
Repay spending with any supported asset or refinance your borrow to a different rate within HypurrFi Markets.
How It Works
1. Deposit & Collateralize
Deposit HYPE or other supported assets to the pooled markets on HypurrFi.
2. Spend & Earn
Use your card for everyday purchases while your collateral continues earning yield. Earn HypurrFi Points on each spend.
3. Repay & Optimize
The spend is taken as a borrow action on HypurrFi, resulting in a USDT0 borrowing position. Repay your spending with any supported assets or refinance your borrow to a better rate.
4. Earn & Spend
Switch to Spend Mode to deposit USDT0 and earn the lending rate on HypurrFi, then spend down the balance with each Card tap.
Spend Mode
Deposit USDT0 into Spend Mode to earn yield, then spend down the balance with each transaction as if the card were a prepaid card.
Fees
USD Transactions
0.5% workflow execution fee per transaction.
Non-USD Transactions (Visa FX Fees)
- Less than 10:0.10 + 1% FX
- 10ormore:0.30 + 1% FX
Plus the 0.5% workflow execution fee above. 
