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 Funds stay in your control and can be withdrawn anytime.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.
Risk-profiled strategies run by a proven trading engine. Each trades non-custodially from your own deposit — capped by your allocation, revocable anytime, and it can never withdraw your funds.
Gentle growth, small dips. Market-neutral — aims to earn steadily with minimal swings.
Solid growth, a bumpier ride. Intraday moves with a daily reset — more upside, more wobble.
Big gains, big swings. Follows the consensus of profitable lead traders — higher reward, real drawdowns.
Highest gains, deepest drops. Leveraged smart-money momentum — the most upside and the most to lose.
Ranges are illustrative targets, not guarantees. All strategies carry risk of loss and can draw down significantly.
Start with a 14-day free trial — the trial begins only when you first put money to work. 0% management fee: you keep 100% of your returns.
Billed in USDC from your wallet. Wallet, P2P and receiving money are always free — the plan unlocks Earn and strategies.
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.