Hayopay

Private liquidity.
Anywhere it has to go.

Active flowsPrivate ledger · 23 May 2026
AED → USD1,247,500.00settling
USD → CHF 312,400.00settled · 14:22
Card · Geneva 4,820.00 €authorized
USD → SGD 865,200.00queued
One account

Every move,
from one position.

01

FX

Hold balances in the currencies you actually work in. Convert at quoted rates only when a transaction requires it, never to satisfy infrastructure.

02

Cross-border settlement

Settle into accounts in the jurisdictions you operate in, on rails appropriate to each corridor. Treated as an account function, not an integration.

03

Card issuance

A single physical card per account, issued under your name. Used for direct spend when a card is the right instrument; not the centre of the product.

04

Treasury yield

Idle balances participate in a conservative treasury programme governed by your mandate. Reported alongside every other position you hold.

05

Custody

Assets are held under segregated arrangements with regulated counterparties. Access is account-scoped and reviewable at any time by the holder.

06

Reporting & audit trail

Every movement appears on one ledger, with statements your auditors can read without translation. Exports are immutable and dated to the second.

Liquidity routing

Source, routing, destination.
Read it like a ledger.

Source

USD account · Zurich

312,400.00

Routing

Internal FX desk

Destination

CHF account · Geneva

278,610.04

Source

AED treasury · Dubai

1,247,500.00

Routing

Same-day correspondent

Destination

USD nostro · New York

339,758.16

Source

USD account · Dubai

4,820.00

Routing

Card scheme · point of sale

Destination

Merchant · Geneva

4,820.00 €

Source

Yield reserve · Singapore

865,200.00

Routing

Mandated treasury rebalance

Destination

SGD operating · Singapore

1,168,020.00

Routing, corridors and counterparties shown above are representative. Live executable routes depend on jurisdiction, mandate and balance state at the moment of instruction.

HayopayOne

A membership for holders whose liquidity does not move on a single schedule, in a single currency, through a single jurisdiction. Issued by invitation.

  • Priority desk

    A named relationship desk, reachable by encrypted channels.

  • Dedicated routing

    Pre-arranged corridors with reserved settlement windows.

  • Concierge custody

    On-call custody review, mandate revisions, succession planning.

Trust architecture

How the surface
is held up.

Custody model

Client positions are held under segregated arrangements with regulated custodians. Operating balances, settlement floats and yield reserves are reconciled to a single ledger and isolated from the operating books of the firm.

Regulatory posture

Card issuance, payment processing and asset rails are arranged through counterparties licensed in the jurisdictions they operate in. The firm holds the relationships, the disclosures and the conduct standards that the jurisdictions require.

Audit cadence

Independent assurance is performed annually against the controls that govern custody, settlement and access. Statements are dated to the second, exportable on instruction, and produced in a form your auditors do not have to translate.

Request access.

We respond personally within two business days.