Banking heritage
A home jurisdiction that confers trust crypto-native competitors cannot match, plus a clear digital-asset framework.
HOW WE COMPARE
A bank that handles crypto, not the other way around
Most apps in this space are crypto platforms with banking added. HedPay is an e-bank first, with credible digital assets inside. Here is how that plays out against the names you know.
POSITIONING
Where each one really sits.
The order of the words is the difference. Bank first, or crypto first.
HedPay and Revolut
Digital banks that added crypto
Strong accounts, strong cards, strong trust. Crypto is a feature for the customers who want it, never the headline. This is the camp HedPay sits in.
Crypto.com and Wirex
Crypto products that added banking
Strong assets and yield, but a brand and culture the cautious mainstream still finds foreign. The account or card grew underneath a crypto-first app.
SIDE BY SIDE
The full comparison.
Banking dimensions first, then digital assets. Our nearest peer is Revolut.
| Dimension | HedPay | Revolut | Crypto.com | Wirex |
|---|---|---|---|---|
| Positioning & Trust | ||||
| Category | E-bank with crypto inside | AccountsE-bank with crypto inside | Crypto app, banking added | Crypto card with account |
| Home jurisdiction | Licensing in progress | UK and Lithuania bank licence | Singapore, EU and UK licences | UK e-money, EU and US |
| Crypto is optional | Yes, opt-in | Yes | Core to the app | Core to the card |
| Banking | ||||
| Tier mechanics | Verification ladder | Paid plans | Token stake, card tiers | Token stake |
| Fiat currencies | Up to 3 on Premium | 30 plus | 60 plus | 9 |
| Card | Prepaid Visa, planned | Debit Visa and Mastercard | Prepaid Visa, 5 tiers | Debit Visa |
| Card Cashback | Up to full, paid on HDP rewards | 0.1% to 1% on paid plans | Up to 8% in CRO | 2% to 8% in WXT |
| Business accounts | Planned | Yes | Yes | Limited |
| Local cash agent network | Plannedour moat | No | No | No |
| Digital assets | ||||
| Asset breadth | Curated launch list | 50 plus | 350 plus | 60 plus |
| Send between accounts | Planned | Yes | Yes | No |
| Earn on what you hold | Planned | Limited | Yes | Yes |
| Derivative and margin | No | No | Yes, eligible regions | No |
| Custody | Custodial, multi-sig | Custodial | Custodial | Custodial |
Competitor details are drawn from public materials and shown for illustration only. They may change and are not endorsements or commitments. HedPay rows marked planned describe intended functionality.
WHAT SETS US APART
Three things we can credibly own.
The agent network
No major bank or exchange offers this. It opens emerging markets, remittance corridors, and local cash handling.
A calm, bank-first brand
We speak to the cautious mainstream that wants stability with optional upside, in a category that is otherwise loud.
GET STARTED
The bank that also handles crypto, safely.
If you want a credible account first, with digital assets there when you choose, you are in the right place.
