self custody
superapp
your keys · your money
built on base · keys secured by privy tee · savings via morpho
@handle
send money as easily and directly as a message. instant delivery & requests. fully non-custodial
no hashes · no gas either
send & request run on 
your wallet, powered by 
no fee from us
save when you can, at industry-leading rates. no lock-ups, no minimums. the rate moves with the market — our 0% cut does not.
our vault provider is 
crypto strategies carry risk
we developed the strategies just for us. copy, if you have growth targets and can tolerate volatility. no lock-ups and non-custodial the whole way
indicative performance
strategies run on
you'll know what you pay
hho.cash does not engineer fees. we'll always show what the costs are
our fees
in details: fees
your responsibility
hho.cash is a self-custody software. that means you, and only you, control your funds. we cannot reverse a transaction, recover a lost key, or undo a payment sent to the wrong person. always double-check the recipient's handle before sending or approving a request, and take the same care you would with cash in hand. if you're ever unsure, verify before you send.
self custody as it should be
secure · yours · working
we've put together the leading providers and a superapp to work for you
early access, rolling out on ios & android
Questions? [email protected]
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 never hold your keys and cannot take your money out of your wallet — our server can only trigger the exact operations you use in the app, inside limits enforced outside our systems. Even if our servers were compromised, those 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.
hho.cash is a self-custodial software wallet. it is not a bank and does not hold your funds; you control your keys. balances are not fdic-insured. savings yield comes from third-party onchain lending protocols, is variable, and is not guaranteed. strategies involve risk of loss. figures shown on this page are examples, not any specific user's account or a guaranteed return. availability, limits and fees vary by region.
2026 hho cash llc