Hyperbeat contributed the following description of Hyperbeat Pay:

Hyperbeat Pay is a non-custodial smart account system that enables users to make card payments and settlements while maintaining full ownership of their assets, with support for both direct spending (SPENDING mode) and collateral-backed credit (CREDIT mode). The system integrates with DeFi lending protocols like Morpho Blue, allowing users to deposit collateral and authorize an operator to borrow settlement tokens on-demand for instant payment processing. Withdrawals are protected through time-locked cooldowns and operator approvals for critical tokens (settlement token in SPENDING mode, collateral in CREDIT mode), while other assets can be withdrawn instantly.

Zellic conducted a security assessment for Hyperbeat from October 24th to October 31st, 2025. During this engagement, Zellic reviewed Hyperbeat Pay's code for security vulnerabilities, design issues, and general weaknesses in security posture.