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Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools by crimsonclad

View this thread on: hive.blogpeakd.comecency.com
· @crimsonclad ·
$131.47
Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools
![image.png](https://files.peakd.com/file/peakd-hive/crimsonclad/23xoaQUXYmHbc2rLZD8dNL6pVNiXp9vRHqZGnPehZ1FtVVx29Fr2njPJgrfFgAgE2ZKKm.png)

## This Hive service development and financial expansion proposal is being made in partnership with and on behalf of Zypto (@zypto) by @crimsonclad. 

### Zypto is your all-in-one crypto wallet app and crypto payment gateway – built for life, business, and everything in between.
We’re so pleased to introduce you to their team and services on the @zypto account! I've been working with the Zypto crew over the past few weeks to help them understand the great fit between their products and goals and Hive's incredible users and ideological foundation. This is an integration that creates an awesome match between a mix of super useful services and a passionate community looking for as many options to use their permissionless digital funds and rights as possible. Please get to know the Zypto crew (leave them comments or feel free to ask questions here on the proposal), give them a follow on @zypto  as we work together to build out a social community here on the chain, and then continue onward to review this upcoming proposal for details on integration work to bring HIVE and HBD to Zypto’s full service suite of financial and crypto tools.

## 🟩 Principals

● Organization: Zypto
● Official Hive Accounts: @zypto @zyptopay @zyptoapp
● Zypto Co-Founders: Joe Parkin & Zyptologist
● Funding Recipient Account/App Integration: @zyptoapp 
● Communications Account: @zypto 


## 🟩 Integration Proposal Overview

To continue expanding Hive’s reach in the global payment arena, the financial options that are opened up by integration with Zypto are a huge step forward in creating more avenues for Hive users to both accumulate and use their assets in new ways. Direct fund management for buying, selling and swapping; a range of both virtual and physical prepaid crypto cards in reloadable and non-reloadable options, each with different KYC requirements; direct bill payment in 10 countries, including recurring options; and continued Hive expansion for upcoming Zypto products in the future. With the implementation of Hive, Zypto will work to build a decentralized custodial system so that HIVE and HBD can be accepted as a payment method across the entire Zypto product suite including Reloadable Cards, Prepaid Cards, Bill Payments, and much more.

This proposal will cover full $HIVE and $HBD integrations to the Zypto Crypto Wallet App, Zypto Payment Gateway, and Zypto Card and Product Markets. As Zypto expands their offerings, the Hive ecosystem will grow alongside them. We’ll be exploring more social and technical integrations as well as co-marketing activations across various social media.


## 🟩 Budget & Roadmap Overview


![image.png](https://files.peakd.com/file/peakd-hive/crimsonclad/23tGvtMap6FjxqBPunaM2RVuLevxeUCVtFRY7YXgSXgABfK4yb3UnF8DAi314N7pmkSY3.png)


Rough roadmapping is approximately 6 weeks, subject to change as building and testing are completed, with two engineers assigned to the integration. The proposal payout period is set to span the course of 4 weeks, with funding to begin starting on June 23rd, 2025 if passed.

1. Creating the backend infrastructure required to connect to the necessary RPCs to receive blockchain data for app usage.
2. Implementing the necessary functionality on the frontend side to interact with the blockchain which will include the preliminary features:
	- Send
	- Receive
	- Swap
	- Buy (Selling potentially possible before or after integration completion, based on partner provider activity)
3. Build out a custodial service on the Zypto merchant side to allow for the usage of $HIVE / $HBD to: purchase and load Zypto VISA Card, pay bills, purchase prepaid cards, purchase vault key cards, and more products down the line
4. Internal QA, Internal Acceptance, External Beta Testing Go-Live & Marketing


## 🟩 Total Budget Requested: $20,000 HBD


Funds will cover scoping and work to add Hive’s unique L1 to Zypto’s crypto services, with a portion of the funds being powered up to Zypto’s exchange accounts to allow for unlimited transaction coverage as well as social rewarding power. The budget requested not only includes the integration of HIVE/HBD, but also includes the required funding to upkeep the integration moving forward. After the funding is complete, Zypto will take on the financial burden of keeping the Hive integration functional.

Transparency updates at completion of each stage of the roadmap will be posted to the @zypto account as the disbursement period continues.
👍  , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , and 634 others
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vote details (698)
@aftabirshad ·
Well Done
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@alienpunklord ·
Although my participation is small, I will support it.
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@alonicus ·
$0.26
Is the end result going to be fee-free for Hive users ? 

As a matter of principle, I can't bring myself to vote for a proposal which takes funds as a grant from the DHF (i.e. the money we all jointly own if we've ever bought any HIVE) and then charges for the service it delivers without any mention of repaying the DHF.

In terms of a business plan, I'd love to see a bit more detail. What does success look like, over how long and how is it measured ? Is the 20K requested just a finger in the air, or is there a breakdown of how it's going to be spent ?

Finally, how is this going to be marketed ? What will it do to persuade non-Hivers to come onboard and become active users ?

Sorry if this is a lot of questions, but I believe strongly that the DHF is giving out too many HBD, and we should only be supporting proposals that have a really great business case which demonstrates how it'll improve Hive adoption in a cost-effective way. There's no point building wonderful tools for their own sake if adoption is only measured in the hundreds of users.
👍  , , ,
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vote details (4)
@vaultec ·
$0.06
> Finally, how is this going to be marketed ? What will it do to persuade non-Hivers to come onboard and become active users ?

This isn't the type of proposal that directly onboards new users, rather makes Hive more useful for already existing users and makes Hive more attractive to new ones as well. For the price it is pretty reasonable and gives us quite a bit of value 

👍  , , , ,
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vote details (5)
@bpcvoter3 ·
>Wow, love this post  It’s been handpicked and curated by the awesome Bilpcoin team—we’re so happy to support amazing content like this! If you’d like to join us in spreading the positivity, feel free to delegate some Hive Power to this account. Every bit helps us curate and uplift even more creators in the community By adding #bilpcoin or #bpc to original posts, you can earn BPC tokens
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By adding #bilpcoin or #bpc to original posts, you can earn BPC tokens
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 https://peakd.com/hive-167922/@bilpcoinbpc/exploring-the-possibilities-of-ai-art-with-bilpcoin-nfts-episode-102-buildawhale-scam-farm-on-hive-and-dear-steevc

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https://peakd.com/hive-163521/@bpcvoter3/themarkymark-we-ve-exposed-your-actions-repeatedly-how-you-and-your-army-of-bots-manipulate-rewards-to-benefit-yourselves-it-s

https://peakd.com/hive-168088/@bpcvoter3/the-shadow-matrix-a-tale-of-deceit-and-reckoning
https://youtu.be/5wEl6BaB2RM
>**Our move?**  
🔹 **Unite voices**: Use #bilpcoin or #bpc to highlight censorship & demand accountability.  
🔹 **Document abuse**: Share evidence of unfair downvotes, self-voting scams, and double standards.  
🔹 **Push for reform**: Advocate for transparent governance, vote caps, and community-driven rules.  

Decentralization isn’t just a feature—it’s a fight. Let’s model fairness, rally allies, and pressure Hive to live up to its ideals.  
https://peakd.com/hive-167922/@bpcvoter3/5m1kft-themarkymark-you-can-keep-pretending-to-be-oblivious-but-the-truth-is-out-you-ve-been-exposed-it-s-time-to-own-up-to-your

**#StandForDecentralization #HiveTransparency**
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@chiddy ·
20k HBD is a lot, remember that after this any member of hive who decides to partake will have to pay 3 HBD That's a no for me, I love the services they render but we don't fit into their system completely 
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@vaultec ·
$0.02
Where are you getting 3 HBD from?
👍  
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vote details (1)
@acidyo ·
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vote details (9)
@coldbeetrootsoup ·
Is this going to be instead of Transak?
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@crimsonclad ·
$0.02
Nothing that anyone makes every replaces anything else! Freedom tools means freedom of choice. The big purpose of having as many outside services and projects check out Hive and look at how to work specifically with our tech and community is to get the widest range of options providing risk aversion, self sovereignty and convenience tools. Then it's up to everyone to pick the ones they like best~
👍  
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vote details (1)
@vaultec · (edited)
Transak does something different. This is about getting direct fiat connections using debit cards
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@coldbeetrootsoup ·
Tnx 😉
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@crimsonclad ·
$0.35
(and US and global fiat direct bill payments, fiat buying/on ramping etc., high limit light kyc cards, one time use multi currency no kyc cards, MoneyGram, etc.) We've never had an outside provider with the balls to approach with a wide variety of tools and tackle tough questions while exploring how to integrate a novel L1 respecting self custody and allowing people to combine their Hive and HBD usage with their other freedom money, which is the whole point of having a social proposal system and onchain feedback loop! They'll be answering most of the questions and using their social account here too; I'm not speaking for them, just helping that first leap into the deep end with the proposal creation~
👍  
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vote details (1)
@zypto ·
And a lot more than cards
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@cryptoandcoffee ·
Good idea, but just too expensive to use and there are so many other options out there that are so much cheaper. 
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@zypto ·
$0.08
If you find an app that has everything Zypto has, please let us know.
👍  
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root_title"Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools"
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author_curate_reward""
vote details (1)
@cryptoandcoffee ·
Do not take this the wrong way as I think it is still a great option for HIVE and it's community. Having off ramps is what we have all been asking for. Could I use this card in South Africa?
properties (22)
authorcryptoandcoffee
permlinkre-zypto-sxrhyg
categoryproposal
json_metadata{"tags":["proposal"],"app":"peakd/2025.6.1","image":[],"users":[]}
created2025-06-12 21:20:39
last_update2025-06-12 21:20:39
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root_title"Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools"
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net_rshares0
@darkflame ·
$0.02
Fascinating! Looking forward to seeing a working product.
But for 20,000 HBD, please show how the funds are actually used. ie receipts :)
👍  
properties (23)
authordarkflame
permlinkre-crimsonclad-sxq9sv
categoryproposal
json_metadata{"tags":["proposal"],"app":"peakd/2025.6.1","image":[],"users":[]}
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root_title"Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools"
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vote details (1)
@zypto ·
$0.21
The funds will pay for developers that are being taken from other projects to prioritise Hive as well as subsequent maintenance, marketing and activation activities. We don't just want Hive users making use of Zypto, we want other Zypto users - past and present - getting to know Hive.
👍  ,
properties (23)
authorzypto
permlinkre-darkflame-sxqoot
categoryproposal
json_metadata{"tags":["proposal"],"app":"peakd/2025.6.1"}
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vote details (2)
@darkflame ·
Will Zypto be available in Canada?
properties (22)
authordarkflame
permlinkre-zypto-sxr5j9
categoryproposal
json_metadata{"tags":["proposal"],"app":"peakd/2025.6.1"}
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@valued-customer ·
$0.06
>"The funds will pay..."

Is an assertion.

Receipts are the evidence the assertion was truthful.  GAAP isn't hard for a business to provide.  If you committed to using GAAP to account for the disbursements of the DHF funds you received, I could support your proposal.   Until you do I cannot, as, for reasons having nothing to do with you, I have committed to withholding support for DHF proposals that do not commit to using GAAP to account for their disbursement of DHF funds.
👍  
properties (23)
authorvalued-customer
permlinkre-zypto-sxr2te
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vote details (1)
@detlev ·
$0.00
simply a no-brainer - VOTED
👍  ,
properties (23)
authordetlev
permlinkre-crimsonclad-sxqe5w
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vote details (2)
@dobro2020 ·
looks awesome, i would like do some contributions with the frontend :D
properties (22)
authordobro2020
permlinksxq0el
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0.
accounthiveonboard
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@havandris ·
What are your fees? How can we get the card? Ships globally ? 
properties (22)
authorhavandris
permlinkre-crimsonclad-2025612t113815199z
categoryproposal
json_metadata{"links":[],"type":"comment","tags":["proposal","hivemarketing","zypto","hive"],"app":"ecency/3.3.3-mobile","format":"markdown+html"}
created2025-06-12 15:38:15
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@hivebuzz ·
Congratulations @crimsonclad! Your post has been a top performer on the Hive blockchain and you have been rewarded with this rare badge

<table><tr><td><img src="https://images.hive.blog/60x60/https://hivebuzz.me/badges/toppayoutday.png"></td><td>Post with the highest payout of the day.</td></tr>
</table>

<sub>_You can view your badges on [your board](https://hivebuzz.me/@crimsonclad) and compare yourself to others in the [Ranking](https://hivebuzz.me/ranking)_</sub>
<sub>_If you no longer want to receive notifications, reply to this comment with the word_ `STOP`</sub>

properties (22)
authorhivebuzz
permlinknotify-1749693293
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json_metadata{"image":["https://hivebuzz.me/notify.t6.png"]}
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net_rshares0
@iamlovelykate ·
I am so interested in crypto and exploring new apps, this sounds pretty exciting, Integrating Hive with Zypto could make it easier to manage digital assets and use them for everyday stuff like bill payments and even getting prepaid cards
properties (22)
authoriamlovelykate
permlinkre-crimsonclad-sxrrhw
categoryproposal
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@kgakakillerg ·
@steevc @crimsonclad @azircon @meno please tell your racist friend  @themarkymark Aka @gogreenbuddy Aka buildawhale Aka @punkteam to stop downvoting my original content for no reason 🤔 

It's unbelievable that they downvoted this [Goodbye Auntie R.I.P 🙏🏾](https://hive.blog/hive-148441/@kgakakillerg/goodbye-auntie-r-i-p)

It quite stupid because blocktrades is delegating to Buildawhale which means he has a big part to play in this 🤔
👎  ,
properties (23)
authorkgakakillerg
permlinksxq8ze
categoryproposal
json_metadata{"users":["steevc","crimsonclad","azircon","meno","themarkymark","gogreenbuddy","punkteam"],"links":["https://hive.blog/hive-148441/@kgakakillerg/goodbye-auntie-r-i-p"],"app":"hiveblog/0.1"}
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vote details (2)
@kgakakillerg ·
@blocktrades why are you downvoting my original content with your alt accounts 🤔 and why did you downvote the comment above can we arrange a meeting please or should I just speak to @steevc 🤔
properties (22)
authorkgakakillerg
permlinksxs1b4
categoryproposal
json_metadata{"users":["blocktrades","steevc"],"app":"hiveblog/0.1"}
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@lordbutterfly ·
Couldnt we do something like Nexo did? Partner directly with mastercard and visa.

 These fees seem high but if you take into account, trading and transaction costs to get to what I use now, a crypto.com card, its still a bit too high but manageable. Id need to check what the numbers are.


I know mastercard has a crypto card program. Visa has a debit card program. 

Im not exactly sure of the cost, compliance might be an issue but i dont think its over 50-100k and we could set fees and everything. 

properties (22)
authorlordbutterfly
permlinkre-crimsonclad-sxq2dy
categoryproposal
json_metadata{"tags":["proposal"],"app":"peakd/2025.6.1","image":[],"users":[]}
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depth1
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root_title"Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools"
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@pokermaria ·
That actually would make sense, especially, if you could come up with competitive fees.

You mentioned Nexo, they reshaped their reward/benefit program, so %age of acc amount has to be in their native coin for better benefits. Here it could give reason for people to power up Hive, even if they are totally newbies, just coming for debit card.

Anyway, the ones what I mentioned above are in this [MC crypto card program](https://www.mastercard.com/global/en/business/issuers/crypto/card-program.html).

MC also has a [Crypto Credential program](https://www.mastercard.com/global/en/personal/crypto-credential.html) Wirex and bit2me is participating in that.

Partly that's why these are the market leaders. They can offer the best fees with MC.

Hardly think you can make deal with MC, but you definitely can make deal with Tap, Wirex, Nexo, bit2me. And you get access to a huge userbase exchange, card provider + Hive users could get very competitive prices.
properties (22)
authorpokermaria
permlinkre-lordbutterfly-sxqh1r
categoryproposal
json_metadata{"tags":["proposal"],"app":"peakd/2025.6.1"}
created2025-06-12 08:03:30
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root_title"Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools"
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@zypto ·
$0.02
Visa and MasterCard don't partner directly with anyone apart from issuing banks/principal partners. That costs around $1m per region per card scheme. 

Most programs actually involve 3 parties; the card scheme (Visa/MC), the principal partner (bank) and a card management company. We are the latter. 

We have partnered with multiple issuing banks and work with them to provide both B2C and B2B2C programs (white label).

And don't forget, Zypto isn't just cards!
👍  
properties (23)
authorzypto
permlinkre-lordbutterfly-sxqog6
categoryproposal
json_metadata{"tags":["proposal"],"app":"peakd/2025.6.1"}
created2025-06-12 10:43:21
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root_title"Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools"
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post_id143,314,001
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author_curate_reward""
vote details (1)
@mahdiyari · (edited)
$0.08
Are they aware that Hive doesn't have paper wallets and they have to pay 3 HIVE fee for each non-custodial wallet they create for Hive?

This is their current system. They have to design a custodial solution specifically for Hive and I don't think that would work with their current wallet design.

Currently you create a crypto wallet in their app to hold your crypto and then pay for cards using those crypto. So to make Hive work with this design, they have to spend 3 HIVE for every user downloading the app and somehow derive a username from the mnemonic seed phrase. Of course this is a bad design but this is the only way I can see it working.

I personally don't think this is worth it. There are other services that provide similar non-kyc services that Hive would fit their design better.
👍  , , ,
properties (23)
authormahdiyari
permlinkre-crimsonclad-sxpj6a
categoryproposal
json_metadata{"tags":"proposal"}
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root_title"Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools"
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max_accepted_payout1,000,000.000 HBD
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post_id143,302,899
net_rshares232,689,304,784
author_curate_reward""
vote details (4)
@leprechaun ·
A series of escrow transactions can be used instead of multisig one off accounts. 
properties (22)
authorleprechaun
permlinkre-mahdiyari-2025611t184332110z
categoryproposal
json_metadata{"links":[],"type":"comment","tags":["proposal"],"app":"ecency/3.3.3-mobile","format":"markdown+html"}
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root_title"Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools"
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percent_hbd10,000
post_id143,304,815
net_rshares0
@vaultec ·
$0.15
VSC supports paper wallets and doesn't require 3 HIVE fee. This shouldn't be a problem.
👍  ,
properties (23)
authorvaultec
permlinkre-mahdiyari-sxppcc
categoryproposal
json_metadata{"tags":["proposal"],"app":"peakd/2025.6.1"}
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root_title"Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools"
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max_accepted_payout1,000,000.000 HBD
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post_id143,305,099
net_rshares450,265,626,965
author_curate_reward""
vote details (2)
@manuphotos · (edited)
$0.73
Love the idea, but I think we can also explore other options since I already have a virtual VISA debit card that I can charge with HBD. It can be linked to Apple Pay/GooPay, and you can use it almost anywhere. It is also way cheaper than what I am seeing in some comments. 

Besides that, I am currently contacting several card issuers that allow crypto to bring this to the Hive ecosystem. One of them is a contact we made two months ago during the Talent Land event in Mexico with @starkerz that can cover Visa and Mastercard globally. Nothing wrong with Zypto, cause we surely need more options and this would add value to the chain.

I haven't made this public because I haven't got all the necessary information, and we need to go through more steps before setting everything up. But the first card I mentioned can already be purchased by anyone with almost no KYC (email, phone, and telegram only) required, and again, by using HBD to set up the card and charge it. Only virtual for now. 

Can I contact you with more info about this on MM to exchange ideas?
👍  , ,
properties (23)
authormanuphotos
permlinkre-crimsonclad-sxpt8s
categoryproposal
json_metadata{"app":"peakd/2025.6.1","tags":["proposal"],"users":["starkerz"]}
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body_length1,064
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root_title"Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools"
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percent_hbd10,000
post_id143,306,353
net_rshares2,196,258,085,572
author_curate_reward""
vote details (3)
@caspermoeller89 ·
Where do you get that virtual card to use HBD? I have a virtual card that can pay with almost any crypto, except from the Hive chain 
properties (22)
authorcaspermoeller89
permlinkre-manuphotos-sxq726
categoryproposal
json_metadata{"tags":["proposal"],"app":"peakd/2025.6.1"}
created2025-06-12 04:27:42
last_update2025-06-12 04:27:42
depth2
children2
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root_title"Zypto × Hive Integration Proposal: Full Suite of Global Financial Tools"
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@manuphotos ·
Hi. I use Qvapay, a Cuban payment gateway with crypto support, which offers a service for Hive and HBD, thanks to @hivecuba.
properties (22)
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@danielvehe ·
Are you talking about @qvapay? If so, 10% doesn't seem cheap to me, but it's much more expensive.
👍  
properties (23)
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vote details (1)
@manuphotos ·
Yeah and Yeah
properties (22)
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@zypto ·
$2.41
Hi,

Just getting started on all the comments. First of all, it does look like some fees are being quoted that are for a different product to the ones in the app. We'll post any pertinent clarifications here.

On the subject of competitors, you'd be surprised firstly how many hidden fees they have and also how many of them are actually white label customers of ours. That's not to say there's nobody out there  with good products, but it's always best to take publicised pricing models with a pinch of salt. It's also worth considering the longevity of many of these projects. We have seen many come and go. 

Our aim is to provide fairly-priced, easy-to-use and long-term sustainable products and services, which we constantly work to improve together with grassroots crypto communities.

Thanks for your comment. We love to see active, informed people working towards adoption.
👍  , , , , , , , , , , , ,
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vote details (13)
@manuphotos ·
Thank you for the reply and welcome to the Hive community. 

I have nothing against integrating Hive and HBD into Zipto; the more options and more adoptions of Hive we can get, the better. I was just trying to point out that as a community, we should explore other options. I think this is evident from the research I have been doing on white-labeled card providers with a license to issue their own. Zypto didn't appear on my map for that, so please do send me any information that can be helpful. I will leave my [telegram link](t.me/manuphotos).

properties (22)
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@manuphotos ·
I went ahead and started looking at your site (I recommend adding it to your Hive profile). I get this from trying to enter the page about white labeled services, so I have some questions. 

- What is your policy when it comes to Cuban users? 
- Is this also an issue in the apps?
- Can Cubans comply with your KYC process (if there is one, cause I haven't got that far)? 


![Screenshot 2025-06-12 at 4.56.14 PM.png](https://files.peakd.com/file/peakd-hive/manuphotos/23wMwp5Mhtwzd2eVWuNWSWgAfZZNPx6HaEDmioFg6dXVjKk2YByZE2dASzDNfKeRDQJdJ.png)


properties (22)
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@starkerz ·
yes, love Zypto and all the work that @alex-rourke has been doing with you.  I just visited him in person and he cant stop using his Zypto card!! :))

Obviously the concern is that Hiveans would be getting the best prices when compared to other cards in areas like initial cost of implementation, swap fees, various card fees and payment fees before making the decision to spend.  Would be good to find a way to clarify this somehow
properties (22)
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@marilui91 ·
Thanks for the information. Best regards.
properties (22)
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@nathen007 ·
This would be a great use of DHF funds. The company appears very professional and forward-thinking with a complete and integrated suite of products. All the people complaining about the costs, have you actually looked at the cost of the Google and Apple Pay virtual card? Its acquisition and use cost is nothing, and at the end of the day, everyone uses their phones to pay rather than a physical card.

Finally, a real-life crypto integration project with genuine utility and massive growth potential. What's not to like?
👍  
properties (23)
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vote details (1)
@zypto ·
$0.07
And Zypto is not just cards. Our app is a full comprehensive defi wallet with a growing range of crypto payment products.
👍  
properties (23)
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vote details (1)
@nathen007 ·
Thanks for taking the time to reply. I had a very good look through your very professional website last night and you have, what looks like a well thought out, integrated portfolio of products. 

It was the different virtual and actual card products that caught the eye, however! 

Best wishes and every success.
properties (22)
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@oasiskp2 ·
This is worthy of throwing a weight on
!ALIVE
!INDEED 
properties (22)
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@offgridlife ·
Awesome. 

Welcome to Hive.blog 

I am one of the OG bloggers on Hive since 2017


Check out my Blog @offgridlife 


![IMG_3683.jpeg](https://images.hive.blog/DQmT9pQyXwemu6vZurXoZC6KG36mWQG5soWQB4BBP7Feq67/IMG_3683.jpeg)
properties (22)
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@offgridlife ·
$0.42
$ 20,000 is peanuts.

 I could fund this myself. 

I vote Yes.
👍  , , , ,
properties (23)
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vote details (5)
@offgridlife ·
I’m all in on this one…


![IMG_3686.gif](https://images.hive.blog/DQmZCnFhuuF1iXp7xPQgS6GgyDrETWHaSnTecCjTN8hpJu2/IMG_3686.gif)
👍  
properties (23)
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vote details (1)
@onezetty ·
Amazing, I love it!! 😃
👍  
properties (23)
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vote details (1)
@paasz ·
Will it be open source?
properties (22)
authorpaasz
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@zypto ·
The funds will pay for developers that are being taken from other projects to prioritise Hive as well as subsequent maintenance, marketing and activation activities. We don't just want Hive users making use of Zypto, we want other Zypto users - past and present - getting to know Hive.
properties (22)
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@zypto ·
$0.02
That was meant to be a reply to a different comment. 

Zypto is not open source.
👍  
properties (23)
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vote details (1)
@palasatenea ·
What would be the 10 national coins accepted?. The budget it's a bit steep or is it just me?.
👍  
properties (23)
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permlinkre-crimsonclad-sxpe04
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vote details (1)
@pokermaria · (edited)
$0.03
U.S., Mexico, Costa Rica, Honduras, Guatemala, Egypt, India, Pakistan, the Philippines and Malaysia

Just try to find out about it, because in the EU even getting cash from ATM with crypto debit card is hard for reasonable cost, especially if you do not want EUR, but some other currency. (near to impossible)

Their homepage doesn't list the ATM withdrawal countries. So, I guess, I have to try, would be surprised if it would work, unless they charge 10%+ for all the 'services'.

Their site: [zypto.com](https://zypto.com/)

A year old [ama](https://www.youtube.com/watch?v=w0hEKjYRJ_M) what i quickly found with one of the founder.

Anyway, on their site, it looks like a Poland registered company.

No clue, why Hive should be paying for it, but they waste (better case) so much money from the DAO, this is really a better one.

Anyway, they would had to detail how much the costs will be for different transactions, because if it is out of reality cost, 5-10%+,  then the hole thing is a lost call. 

For example, sell crypto for fiat in their app + top up cards + withdrawal in a different fiat often cost 8-10% (I know, not much for the app itself, but the wild exchange rates.), while others offer it way under 5%.

Have to try and see.

+They would had to introduce this company, owners, operation, traffic etc - maybe an ama on Hive discord first with somebody from zypto- so how trustful it is. + They would had to make the DAO proposal from their account, but it's so typical from Hive...
👍  ,
properties (23)
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vote details (2)
@crimsonclad ·
$0.86
Hey! I actually will be doing an AMA with them, and yes, they will be doing all the answering of questions. So the fact that I'm posting the proposal is simply because up to this point, we've literally never had anyone from outside the ecosystem even attempt making a proposal. Since I do a lot of the b2b work it's simply a way of helping out as a liaison to make these types of proposals more normalized, with outside groups actually trying to figure out how to work with and directly engage with the community. That's why it's a proposal and not something that gets smashed in under a quasi foundation or what have you :)
👍  , , ,
properties (23)
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vote details (4)
@ecoinstant ·
I was going to say, if you compare this against the other proposals, its pennies.  On a relative scale, this seems like a great proposal.
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@palasatenea ·
Ok for what I see on your comments this seems a really bad service, no way Hive should fund this for no benefits at all. Even it's not clear if the company is trustworthy, I hope the proposal gets rejected.
👍  
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vote details (1)
@pokermaria · (edited)
$0.58
These are the cost and fees of a physical debit card! 🤣👍🤣

And they still neeeeeeed money from Hive... 🤣

I have no idea how much the rest transactions cost, but I know a dozen similar kinda never going anywhere kinda crypto apps, card providers...

Seeing this, only the bill payment by crypto option can be interesting, but I highly doubt it is cheaper than using other services, otherwise this zypto would be a well known name in the space.

Obviously nobody will use it, as it is out of mind expensive.

So just wasting another 20k. Let's do it guys! GL! 👍

![zypto.png](https://files.peakd.com/file/peakd-hive/pokermaria/23t8CigfRYdwsMe7xcETjHzdPbs7YMLcNivN18JFesGcarf8wdpQFrEYczJ6dUad9Ctj9.png)
👍  , , , ,
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vote details (5)
@holoz0r ·
Thanks for posting this screenshot. I looked for their fees and couldn't find it very easily. 

I agree with you that a profitable business seeing that HIVE has a market of potential users for their product would be able to self fund such an endeavor by the number of anticipated sign ups they'd get from the new blockchain support. 

The proposal doesn't get my vote. :) 
👍  
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vote details (1)
@lordbutterfly ·
$0.75
If you use something like a crypto.com card you probably need to account for the cost associated with trading and transacting. 

So for me its, Hive-Binance-USDC-Crypto.com-euros. I dont know how high the cost is compared to this but it does take a chunk out of my total amount. At least a few %. 
I do still feel this is significantly higher with topup at 5%
👍  
properties (23)
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vote details (1)
@apshamilton · (edited)
Why not just send SPS direct to Crypto.com?
properties (22)
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@pokermaria ·
$0.05
I use [Wirex](https://wirexapp.com/), [Nexo](https://nexo.com/), sometimes [Tap](https://www.withtap.com/).

I think, you are from Croatia, so EU. I think, you wanna forget this way, and crypto.com, the above 3 are cheaper. These ones are totally free, no monthly cost, no issuance, deliver cost, till $200-2k/month even the ATM withdrawal is free. (if you have all, and use all, stand below the monthly limit, basically you can withdraw enough for daily life for completely free. Even ATM at zypto is $4+1% which is likely mean 2% as the trx limit hardly can be higher $300-500) Not to mention cashbacks if you spend by card, then the cost can be lower.

Not really did the Hive part for a long while, anyway that isn't the expensive part, but sell crypto for fiat in the app. (What zypto does not even list on their fee list, so in the end, it is not simply $6+4.5% but way more, likely above 8% or even more They probably use 3rd party services, that's why so expensive - the crypto bill payment 8% is also nuts for the same reason.)

It's just simply not even near to competitive. Maybe, if it would be 1-2% off from best ones, but it's way farer. People will take the longer, different way for such a difference, even for less. That's why they don't have users.

I also can recommend the [bit2me](https://bit2me.com/). They have around 400 cryptos there, EU, Spain reg, Mica compatible, and they even have a 'Listing request' form on their website. Operates in Europe, America (except USA) and some part of Asia. A bit more expensive, but still cheaper than crypto.com, zypto. And small one, if legally ok, they definitely would add Hive. Have to reach them out and ask. 😉
👍  ,
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vote details (2)
@pokermaria · (edited)
$0.02
Oh, + [bit2me](https://bit2me.com/suite/pay) is working on something they call 'payment to social networks'. Probably they would be even more interested in Hive because of that.

I'm pretty sure, they would add Hive (for free), if legally possible.


![bit2me.png](https://files.peakd.com/file/peakd-hive/pokermaria/23xArbuYifWUxd1VygMrfcRQ8pdseL1puaSL9zL6JkJx56cM5mbHF48gFojAuE97BE26x.png)
👍  
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vote details (1)
@ura-soul ·
Revolut online bank converts USDT into fiat for free. ;)
properties (22)
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@zypto ·
$0.00
Hello,

There are many hidden fees for many crypto card products. Also, they require you to deposit onto a CEX (which we are not), trade, etc. 

Centralised exchanges often run their cars programs as loss leaders to get more volume through. 

It's important to note that Zypto is not just a card company. Our app is a fully fledged DEfi wallet, but built differently focused on providing OPTIONS. 

If you want to pay your bills, use a reloadable or Non-reloadable card or gift card to spend your assets, we aim to make sure it's easy and convenient for you. Of course, we are always aiming to provide fair pricing, as well as various perks. More and more will be added over time. 
👍  
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vote details (1)
@vaultec ·
$0.02
20K to get direct connect to fiat is a pretty good deal imo. The fees I don't like the most is monthly fee and POS/online purchase. Everything else seems fairly reasonable. It could certainly be *better* but having something is way better than having nothing
👍  ,
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vote details (2)
@pokermaria · (edited)
$0.02
I think, having something for $20k which does nothing is not better than having nothing. Not even nothing, but $20k in pocket, what can be used for something valuable. 😉

I can talk about the European competition, but I am pretty sure, it is the same worldwide.

ATM all my fees around 2-2.5% to get crypto to crypto debit card. Free card, free shipping, no monthly cost ($2-5 inactivity fee after 1 year, which never applies), holding exchanges' coins giving some extra benefits.

So $12 monthly fee + the 4.5% top up fee is not competitive at all.

For example, here is the Wirex fees - free card, or max $5 cost everywhere, that's just basic:


![wirex.png](https://files.peakd.com/file/peakd-hive/pokermaria/23t8B2nvYdNMZXBF426BrpUNqFJhNhugZAnbaTTJRszbc9uHVApEfS1fJWiDK2Go6ePgq.png)

The Tap fees, crypto-fiat cost 1.5-2.5% but except that everything is free.:


![tap cost.png](https://files.peakd.com/file/peakd-hive/pokermaria/23sxpXQpjEfhNJLuCETawYJhLY7SiAXNvT9Sud7tDJipFjrUf1UzegLQm1rg9dsXmTf4W.png)

The Nexo is pretty much the same, there you can reach monthly 2k (or 5k) free ATM withdrawal limit by holding their coin.

So this zypto is a very-very expensive one.

If you pay more than 3-4%, probably you want to double check the current offers, new ones popping up all the time - and expensive ones disappearing all the time.

So I would not spend money for any which is hardly viable in the competition.
👍  
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vote details (1)
@zypto ·
Hey!

That's not the cards that are in the app. It's one that we have s part of our white label offering for other companies to use and it's also quite popular with let's say "big hitters" in the crypto space. The ones in the app have different pricing. 

We'll work our way through the comments and will likely circle back with clarifications.
properties (22)
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@starkerz ·
While this is a great initiative, I would advise putting some evidence in the proposal that a tender was done to compare several cards to ensure this money goes to whichever provider will get hiveans the best rates on their crypto purchases and cards and swaps. 

The ideal deal here is zero installation costs and a fee to the provider on swaps only (while I know that this is an unlikely scenario, it’s what we should be hoping to get towards to ensure we spend our money on the cheapest possible, technically acceptable service). 

So would be good to see what deal other providers are willing to provide us before we spend any money on this great initiative
👍  
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vote details (1)
@crimsonclad ·
https://hive.blog/proposal/@crimsonclad/sxpvix
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@starkerz ·
is there a place to see a list of other providers and their rates / fees / implementation costs so its easy to compare.  (obvs, its likely that this option is the best deal, but it should be confirmed before proceeding).
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@techcoderx ·
$0.02
Interesting proposal. I have a feeling there are more questions to be asked than answers. Will they be leveraging lite accounts (i.e. VSC or the [upcoming HAF one](https://gitlab.syncad.com/hive/smarc)) for the wallets?

> decentralized custodial system

No idea how this could work, "decentralized" and "custodial" does not sound compatible with each other.
👍  ,
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vote details (2)
@zypto ·
$0.02
Zypto App is a defi wallet and payments app. The only somewhat centralised part is for us to accept payments for our prepaid payment products (cards, gift cards, bill payments...). So, basically, users' funds remain their own on-chain until they choose to send them to us in exchange for a way to pay for stuff.
👍  
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vote details (1)
@theguruasia ·
$WINE
👍  
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vote details (1)
@valued-customer ·
$0.00
Are you still selling votes with your bidbot?
👍  
properties (23)
authorvalued-customer
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vote details (1)
@theguruasia ·
$WINE
properties (22)
authortheguruasia
permlinkre-valued-customer-sxrvvp
categoryproposal
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@thetimetravelerz ·
$0.34
@thetimetravelerz "Any project that gives more exposure to the Hive b..."
Any project that gives more exposure to the Hive blockchain and makes Hive and HBD available to the masses with more use cases is surely welcome
👍  
properties (23)
authorthetimetravelerz
permlinkre-crimsonclad-2zasejwkv
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vote details (1)
@thisnewgirl ·
i think this might be good to show more ppl ab hive :3 so why not
properties (22)
authorthisnewgirl
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@tobetada · (edited)
Expensive, but I think worth a try
properties (22)
authortobetada
permlinkre-crimsonclad-sxrczv
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@zypto ·
Thank you for your brilliant proposal post, @crimsonclad 

We'll do our best to keep up with everyone's questions, doubts and comments and we're looking forward to buidling together.
properties (22)
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