Send dollars to anyone by @handle — free and instant. Earn on your balance. Follow curated strategies. All in one app you fully own, with no seed phrase to write down.
Money moves between people, not account numbers. Type a friend's handle, enter an amount, send. It lands in seconds, they get a notification, and neither of you pays a fee or thinks about gas.
The simplicity of a payments app, with the ownership and yield of self-custody — minus the jargon.
Pay anyone by their @handle — no addresses, no network fees, no waiting. We cover the gas so you never think about it.
Move balance into Savings and earn a variable yield from an onchain lending market — withdrawable anytime. Not a bank deposit.
Follow risk-profiled strategies run by a proven engine. Each gets a scoped, revocable permission with hard caps — never a blank cheque.
Self-custodial by design. Sign in with email — no seed phrase — and export your private key whenever you want. No one can freeze or move your funds.
Move between your bank and your balance with clear, predictable verification — no surprise blocks, no vanishing limits.
Ask friends to pay you with a tap. They see it, pay in one tap, and it lands instantly — with a notification the moment it arrives.
Deposit in a tap and earn a variable annual yield from a curated onchain lending vault. Funds stay in your control and can be withdrawn anytime.
Yield is variable and not guaranteed. This is not a bank account or a deposit.
No downloads of a seed phrase, no exchange account, no jargon.
Your wallet is created automatically and secured for you — no seed phrase to lose.
Top up from a card or bank. Pick a @handle so friends can pay you.
Pay anyone for free, move balance into Savings, or follow a strategy.
hho.cash is rolling out to early testers on Android. Join the list and we'll send you access.