Your dollars — earning, growing, moving. And only yours.
Send by @handle — free and instant. Earn on your balance. Follow curated strategies. Swap any token. All in one account you fully own — no seed phrase, nothing we can touch.
Real app · example account · Android early access
Pay by @handle — free · gasless · on Base
Pay anyone by @handle. Free, and it feels like a message.
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.
- @handle, not addresses. Claim your handle once — friends pay you without copying a single 0x string.
- Free & instant. No network fees, no waiting for confirmations — we sponsor the gas so sends feel instant.
- Request & split. Ask anyone to pay you with a tap; they see it and pay back in one tap.
- Still yours the whole time. Funds never leave your self-custodial wallet — sends are capped and revocable.
Sending is on Base — more networks coming. Instant sends are capped ($250 per transfer, $1,000 per week) and enforced even if our servers were compromised.
Your dollars, earning every day you hold them.
Deposit in a tap into a curated onchain lending vault and watch a live counter tick upward. Withdraw anytime — no lock-ups, no minimums.
Example live rate shown in the app. The APY is variable and set by the market — with no management fee, you keep all of it. Not guaranteed. Not a bank account, not FDIC-insured.
| Big-bank checking | ~0.0% |
| Typical savings account | ~0.5% |
| hho.cash Savings · 0% fee | ~4.0% |
Figures are illustrative and variable, not fixed rates or a guarantee. Yield comes from a third-party onchain lending protocol (Morpho, curated by Steakhouse) and carries risk of loss.
Live counter · in-app figures are example amounts
Put your dollars to work, at the heat you choose.
Risk-profiled copy-trading strategies run by a proven engine. Each trades non-custodially from your own deposit — capped by your allocation, revocable anytime, and it can never withdraw your funds.
| Tier | Character | Calm month | Worst dip |
|---|---|---|---|
| Mild | Steady, market-neutral | ~1.5–3% | ~3–6% |
| Warm | More upside, more wobble | ~3–6% | ~5–10% |
| Hot | Big gains, big swings | ~5–9% | ~15–25% |
| Blazing | Most upside, most to lose | ~10–20% | ~30–50% |
- Trades from your deposit, capped by your allocation — never a blank cheque.
- Can't withdraw your funds, can't touch your Savings. Leave anytime; funds return to your wallet.
- Facts vs forecasts, always separated. Every 'typical path' is a real aggregate curve, labelled — never a marketing projection.
Ranges are illustrative targets, not guarantees. All strategies carry risk of loss and can draw down significantly. Leaving a strategy has a $1 flat network withdrawal fee.
Live performance · example account · past results, not a promise
Everyone does one piece. We do all of it.
Savings apps only save. Payment apps only send. Banks pay you almost nothing and hold your money. hho.cash is the one account that earns, sends, swaps and copy-trades — and the keys stay yours.
| hho.cash | Savings apps | Payment apps | Your bank | |
|---|---|---|---|---|
| Earn ~4% on your dollars | ✓ | ✓ | — | ~0% |
| Send free by @handle | ✓ | — | ✓ | — |
| Copy-trading strategies | ✓ | — | — | — |
| Swap any token in-app | ✓ | — | — | — |
| You hold the keys — non-custodial | ✓ | — | — | — |
| Every fee shown up front — no hidden spread | ✓ | some | some | — |
| Buy with card or bank · 160+ countries | ✓ | ✓ | some | ✓ |
Comparison is to typical products in each category, for the features above. Nobody else puts savings, gasless P2P, copy-trading and swap in one self-custodial account.
The price, in full. No hidden spread — every fee shown up front.
Most wallets bury their cut inside the exchange rate. We don't. Here is every fee, in one table — the exact amount is always shown before you confirm.
| What you do | What it costs |
|---|---|
| What hho.cash charges | |
| Money in — crypto deposit USDC on Base · lands in seconds | $0 |
| Money out — to bank or wallet On Base · network fee on us | $0 |
| Send to any @handle Gasless — we cover the network fee | $0 |
| Hold & receive USDC Across Base and Arbitrum | $0 |
| Swap any token Shown in the quote · max 1% slippage | 0.5% |
| Savings — what you keep The full yield — we take 0% of your Savings · variable, not guaranteed | +~$40 /yr per $1,000 |
| Leave a strategy Flat Hyperliquid withdrawal fee | $1 |
| Fiat rails — the provider's fee, not ours | |
| Buy with bank (ACH) Provider fee · shown before you confirm | ~0.5% |
| Buy with card · Apple & Google Pay Provider fee · shown before you confirm | ~2.5% |
hho.cash never charges to move your money in or out — the only fee we take is the 0.5% swap — Savings has no management fee. Card and bank purchases carry a provider fee (Coinbase / MoonPay) that varies by region and is always shown before you confirm. The Premium subscription that unlocks Savings and Strategies takes 0% of your returns.
Only yours. Nothing we can touch.
Sign in with email and a wallet is created for you — the keys stay on your device. We can't freeze, move, or access your money. This is self-custody, made as simple as an app you already use.
We can't move your funds
Your wallet is self-custodial by design. Even if our servers were compromised, your spending caps and allowlists still hold.
Export your keys anytime
Leave for any wallet you trust, whenever you want. No lock-in, no permission needed, no waiting period.
Scoped, revocable permissions
Instant sends can never withdraw or touch Savings. Savings can only move between your balance and the vault. Revoke either anytime.
Bank-grade key security, zero seed phrases.
Your wallet runs on Privy — the embedded-wallet infrastructure trusted by leading fintechs. Your private key is split into pieces and only ever assembled inside a secure chip, so no one — not even us — can move your money.
Created — split, never stored
On your first sign-in, your key is generated and instantly split into shares (Shamir's Secret Sharing) across your device and your login. The whole key is only ever reassembled inside a secure enclave to sign — it never exists in full on our servers or Privy's.
Simple — sign in like any app
No seed phrase to write down or lose. Sign in with email, Google, Apple or a passkey and your wallet is created in the background. Approving a payment is a tap or your face — the crypto stays out of sight.
Recoverable — lose a phone, not your money
Because your key is split, a lost device isn't a lost wallet. Sign back in and confirm your recovery factor — a password, passkey or encrypted cloud backup — to restore access. Or export your raw key anytime and leave for any wallet.
Enforced in hardware. Your spending limits and a contract allowlist live inside Privy's secure enclave (TEE). Even if our servers were breached, those rules still hold — an attacker can't move your funds or lift your caps.
Self-custodial by design. Privy is SOC 2 Type II audited; hho.cash never holds your keys and cannot freeze, move or access your funds.
Cheapest first · fees shown before you confirm
Get dollars in and out, on your terms.
Three ways to fund, ordered cheapest first, with the exact provider fee shown before you confirm. Cashing out is just as clear.
- Crypto deposit — $0. Send USDC on Base straight to your wallet, in seconds.
- Bank transfer — ~0.5%. ACH / SEPA via a regulated partner, 1–2 business days, one-time identity check.
- Card · Apple & Google Pay — ~2.5%. Via Coinbase or MoonPay — dollars land in seconds. Provider fee, always shown first.
Buy with card or bank in 160+ countries. Card & Apple/Google Pay almost everywhere · ACH in the US · SEPA across the EU · PIX in Brazil · Faster Payments in the UK.
Fiat rails are provided by regulated third parties (Coinbase, MoonPay). Availability, limits and provider fees vary by region and are always shown before you confirm — some countries aren't supported yet. Your crypto balance is never blocked by verification status.
Every token, one balance, and never any gas.
Hold popular tokens across Base and Arbitrum in a single self-custodial wallet, every balance valued in dollars. Swap between them in one tap — with a live quote and a 0.5% fee shown up front, never buried in the price.
- No gas, ever. We sponsor the network fee on your sends, swaps and savings — you never hold ETH for gas.
- Swap in one tap. Both directions, live quote, 0.5% fee and max 1% slippage shown before you confirm.
Balances are shown across Base and Arbitrum; swap and send run on Base — more networks coming. Swaps are capped at $1,000 per transaction.
0.5% shown up front · gasless · on Base
Up and running in about a minute.
No seed phrase to write down, no exchange account, no jargon.
Sign in with email
Your wallet is created and secured automatically — no seed phrase to lose. Pick a @handle so friends can pay you.
Add money
Top up with a crypto deposit (free), a bank transfer, or a card. The fee is always shown before you confirm.
Send, earn, grow
Pay anyone for free, move balance into Savings, or follow a strategy — all while you keep the keys.
Before you ask.
Is this a bank?
No. hho.cash is a self-custodial software wallet, not a bank. We never hold your funds — you hold the keys, always. There's no FDIC insurance because there's no deposit; your dollars stay in your own wallet, under your control.
Is my money safe? It's non-custodial.
Your funds live in a wallet only you control, secured by Privy's TEE key infrastructure. We can't freeze, move, or access your money — even if our servers were compromised, your spending limits and allowlists still hold. Savings and Strategies carry market risk, including risk of loss.
Can I withdraw anytime?
Yes. Savings has no lock-ups and no minimums — withdraw all of it whenever you like. Strategy balances return to your wallet when you leave (a $1 flat network withdrawal fee applies). You can also export your private key and move to any wallet at any time.
What's the catch on fees?
No catch — every fee is shown up front (see the pricing table above). Savings pays you the full ~4% yield with no management fee; swaps are 0.5% shown in the quote, not hidden in the rate; P2P sends are free because we sponsor the gas. Card purchases carry a provider fee (~2.5–4.5%) charged by the provider, shown before you confirm.
Which networks can I use?
You can hold and receive USDC across Base and Arbitrum. Swapping and sending run on Base today — more networks are coming. Always double-check the network before sending crypto; on-chain transfers are irreversible.