Send money instantly. Split bills with AI. Spend anywhere with your virtual card. All in one beautifully designed app.
Features
Instant P2P transfers. Send money to anyone in seconds — no routing numbers, no waiting.
Spend anywhere Visa is accepted. Generate virtual cards instantly for online shopping.
Scan any receipt. Our AI reads every line item and splits it fairly — tax, tip, all handled.
256-bit encryption. Powered by Stripe. Your money and data are fully protected.
How it works
Download the app, verify your identity, and you're in. No paperwork. No branch visits. Just your phone.
Link your bank, debit card, or Apple Pay. Funds are available immediately — no 3-day holds.
Pay friends instantly or snap a receipt to split. It's that simple. Money moves in real time.
Interactive Demo
Tap an action to see it in action ↑
Money is on its way to Sarah
2 friends will be notified
Testimonials
"Splitting dinner bills used to be so awkward. Now I just scan the receipt and HydraCash handles everything — even the tip. My friends love it."
"I send money to my family back home every week. HydraCash is faster than anything I've tried — no fees, instant delivery. It's a game changer."
"The virtual card is genius. I use it for all my online subscriptions — I can set limits and cancel instantly. No more surprise charges."
Pricing
Everything you need to get started
For power users who want it all
FAQ
Absolutely. HydraCash uses 256-bit encryption (the same standard used by major banks) and is powered by Stripe's payment infrastructure. Your funds are held in FDIC-insured partner banks, meaning they're protected up to $250,000.
Standard bank-to-bank transfers are completely free. Instant transfers have a small 1.5% fee (min $0.25). There are no monthly fees for the Free plan, and Premium is $4.99/month with a 30-day free trial.
Download HydraCash from the App Store or Google Play, create an account with your email or phone number, verify your identity (takes about 60 seconds), and link your bank account. You can start sending money immediately.
Just take a photo of your receipt. Our AI reads every line item, identifies who ordered what (you can assign items with a tap), and calculates each person's share including tax and tip. Then it sends payment requests automatically.
Currently, HydraCash is available in the United States. International transfers and multi-currency support are on our roadmap for Q3 2026. Your virtual card works anywhere Visa is accepted worldwide.
Your HydraCash virtual card is a Visa debit card that lives in your app. Use it for online shopping, subscriptions, or add it to Apple Pay / Google Pay for in-store purchases. You can set spending limits, freeze it instantly, and generate new card numbers anytime.
P2P transfers between HydraCash users are instant. Bank transfers typically arrive within 1-2 business days (standard) or within minutes (instant, with a small fee). Adding money from a debit card is immediate.
Yes, cancel anytime with no penalties. You'll keep Premium features until the end of your current billing period. Your money, cards, and transaction history remain accessible on the Free plan.
Download
Available on iOS and Android. Join thousands who've already made the switch.
Or join the waitlist for early access
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