HAYO is building a next-generation fintech platform that enables seamless card-based spending, real-time insights and a modern financial experience, powered through partnerships with licensed payment providers.
Note: HAYO partners with licensed financial institutions for card issuance and does not issue cards directly.
A new way to pay, track and understand your financial activity. Designed for the digital generation.
A new standard in digital financial tools.
HAYO is a financial technology company developing a clean, modern mobile application that integrates secure payment capabilities with intelligent financial insights.
We work exclusively with licensed card issuers and payment service providers to deliver a compliant, seamless experience. HAYO does not hold client funds, does not operate as a money service business and does not provide regulated financial services.
Our mission is simple.
Make digital payments smarter, faster and more intuitive.
A modern payment card designed for the digital era.
Seamless spending, instant notifications, global acceptance and a sleek card design tailored for a new generation of users.
Real-time news & updates
Curated financial news directly within the app. Stay informed with updates that help users navigate the digital economy more confidently.
Financial insights dashboard
A clear, intuitive overview of spending patterns, financial behaviors and market trends. All presented in a very simple and user-friendly interface.
Secure technology and exceptional user experience.
HAYO is a technology platform. All payment functionality is delivered through licensed third-party institutions, payment providers and card issuers.
No remittance services
No trading or brokerage activity
No client fund custody
No currency exchange activity
Our focus is on delivering secure technology and exceptional user experience, while all regulated financial operations are handled by qualified partners.
Smart spending
Clear, instant insights that help you understand your daily expenses with ease.
Seamless payments
Fast, modern card-based transactions powered through trusted licensed partners.
Secure by design
Advanced safeguards and a compliance-first framework built into every interaction.
Frequently asked questions
How can I partner with HAYO or request documentation?
If you are a payment provider, issuer, or technology partner interested in working with HAYO, please reach out through the contact form below. We’ll be happy to discuss collaboration opportunities and share relevant materials.
Which countries will HAYO be available in?
HAYO is being developed with international scalability in mind. Availability will depend on partnerships with payment providers and issuers in each region. Specific launch regions will be announced once partnership agreements are finalized.
Is HAYO a bank or a crypto platform?
No. HAYO is not a bank and does not engage in any crypto-related activities such as trading, token management, or yield programs. The platform is built strictly around compliant card payments and financial insights.
Does HAYO hold customer funds or provide financial services?
No. HAYO does not hold customer funds, does not operate as a money service business, and does not offer regulated financial services. All regulated operations, such as card issuance and payment processing are handled by licensed financial institutions.
What is HAYO and how does it work?
HAYO is a technology platform that provides a modern, app-based experience for card payments and financial insights. All payment functions are delivered through licensed third-party partners, while HAYO focuses on secure software, clean design, and seamless user experience.
Get in touch
We are actively building partnerships with payment providers, issuers and technology partners. For inquiries, collaboration opportunities or documentation requests, please contact us using the form available on our website or via e-mail.
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