What hho.cash actually costs
Short answer
Sending money to another hho.cash user is free. Savings has no fee from us. Swapping costs 0.5%, shown in the quote before you confirm. Bank fiat deposits cost 0.75% — or 0.50% if your account number was opened before 24 August 2026, because the rate is fixed into the account when it is created — and cash-outs 0.50%. Sending USDC to another chain costs 0.50%. Copy-trading strategies take 10% of gains on amounts up to $150,000; above that, profit share is agreed with you. Funding wallets with a card charges provider costs directly, not ours. We have no premium plan and no subscriptions.
The whole table
| What you do | What we charge | What else it costs |
|---|---|---|
| Send to another hho.cash user by @handle | Free | Nothing — we pay the network fee for you |
| Send USDC to an outside wallet on Base | Free | Onchain on Base. Network fee is typically well under a cent; we cover it on gasless transfers |
| Cross-chain withdrawal | 0.50% | Moving USDC off Base to another network. Shown before you confirm |
| Savings (USDC earning through Morpho) | 0%, any balance | Nothing. You get the full yield the protocol pays |
| Swap any token | 0.5% | The DEX price you get, shown in full before you confirm |
| Max swap slippage | Up to 0.25% | If the price moves more than 0.25% from the quote, the swap does not execute |
| Strategies (copy-trading on Hyperliquid) | 10% of gains, up to $150,000 Above $150,000, by agreement |
Hyperliquid charges a flat $1 to connect to a strategy and $1 to drop it, paid directly to the exchange, not to us. Exchange trading fees apply on each trade |
| Add money by bank transfer | 0.75% 0.50% on accounts opened before 24 August 2026 |
The rate is fixed into your account number when it is created and does not change afterwards, so an account opened earlier keeps its original 0.50%. Your bank may still charge for the transfer itself |
| Cash out to your bank | 0.50% | Any additional bank fee is deducted on payout and shown in your activity once it lands |
| Buy USDC with a card | 0% from us | 3–8% to the payment provider — see below |
Where we are not the cheapest
Every page like this is written to make the product look good. So here is the part that usually gets left out.
Buying with a card is expensive, and we can't fix that
When you buy USDC with a card or a local bank rail, the money goes through a licensed payment provider — not through us. We add nothing, but their pricing is the largest single cost anywhere in this product. That is why we show every provider's number side by side instead of picking one for you: on a live check, the same 100 euros bought 110.32 USDC through one and 106.66 through another, and in another country the winner is different.
- Card purchases typically run 3.5–5% in stated fees, plus a spread on the exchange rate that is not shown as a fee. Independent comparisons put the all-in cost as high as 7–8% in the worst cases.
- Bank transfer (ACH) is much cheaper than a card, but slower — funds are usually settled within hours, but may be held for several days.
If you already hold USDC somewhere else, sending it in costs a fraction of a cent and skips this entirely. That is genuinely the cheapest way in, and it costs us the on-ramp revenue to say so. We compared every route with the arithmetic on $500 in the cheapest way to add money.
0.5% on swaps is less than doing it yourself
Other non-custodial providers charge a minimum of 0.7%, and hidden fees often push the all-in cost to 0.95% or higher. Our 0.5% pays for the routing, the gas we sponsor, and the fact that you do not have to onboard to a crypto exchange. That is a real convenience, and it is a real cost. If it is not worth 0.5% to you, you are not the person we built this for, and we would rather say so than pretend otherwise.
Strategies charge a profit share — and Hyperliquid charges to leave
Copy-trading strategies execute real trades on an exchange, and every trade pays exchange fees out of the position. We take 10% of gains on strategy amounts up to $150,000. Above that, profit share is agreed with you. Leaving a strategy costs a flat $1 on Hyperliquid, paid to the exchange, not to us. Entering is free — verified on live deposits. Because $1 is flat rather than a percentage, it weighs more on small amounts: on a $20 position it is 5%.
Savings, strategies, and returns
Savings yield comes from third-party lending protocols and changes constantly, it is not a rate we set or guarantee. Strategies can lose money. Neither is a deposit, and neither is insured. We explain where that yield actually comes from, including what can go wrong.
Where the money actually goes
Three different things get called "fees" and it is worth separating them:
| Kind | Who takes it | Where you see it |
|---|---|---|
| Our fee | hho.cash | Swaps (0.5%), bank in (0.75%), bank out (0.50%), cross-chain withdrawal (0.50%), 10% of strategy gains up to $150,000. Savings free. Shown before you confirm |
| Network fee (gas) | The blockchain | Base costs a fraction of a cent. We sponsor it on gasless transfers |
| Third-party fee | Payment provider, exchange, protocol | Card purchases, exchange trades, protocol cuts |
Common questions
Is it really free to send money?
Yes. Sending by @handle between hho.cash users costs nothing — no fee from us and no network fee for you, because we pay it. Current caps are $10,000 per transfer, $50,000 per day and $500,000 per week — safety limits, not pricing, and the same for everyone. Moving your own money into Savings or a strategy does not count against them. Your live limits and how much of them you have used are shown in the app, under Settings.
What is the cheapest way to get money in?
Sending USDC you already own from another wallet or exchange. On Base that costs a fraction of a cent. Buying with a card is the most expensive route, by a wide margin.
Do you take a cut of my savings?
No. Savings has no management fee and no performance fee. You receive the full yield the underlying protocol pays. We could charge here and chose not to.
Is there a fee to withdraw?
On Base, sending USDC to another wallet is free and the network fee is negligible. Moving USDC to another chain costs 0.50%. Cashing out to your bank costs 0.50%. Leaving a strategy costs a flat $1 on Hyperliquid. Entering is free.
Do you charge for a premium account?
No. There is no subscription and no premium tier. The rates on this page are the rates, and they are the same for everyone.
What do you take from strategies?
10% of gains on amounts up to $150,000. Above that, we agree profit share with you. We do not take a management fee. Hyperliquid still charges $1 to connect and $1 to drop, and the exchange charges its own trading fees on each trade.
Are there hidden fees in the exchange rate?
No. Our fee is a separate, stated 0.5% — it is not folded into the rate you are quoted. That matters because a hidden spread is how most "zero fee" crypto products actually make money.