Send, receive and earn HMP community credits instantly. No bank account required. Built for everyone — from Ramsgate to Zanzibar.
What is Xetro
Earn HMP by scanning merchant QR codes, referring friends, and gifting to others. When you gift HMP you earn 50% of the mined coins automatically. Use them to pay, gift, and reward across the entire Xetro network.
Live NowSend and receive USDT anywhere in the world. Your keys, your funds — always. Fees under $0.01 per transaction on the Tron network.
Live NowScan a QR code to pay and earn HMP instantly. Low Data Mode means no WiFi needed — just a basic phone signal.
Live NowSpend your USDT balance anywhere Visa is accepted worldwide. Load your card, spend globally, withdraw at any ATM.
Coming 2027Gift HMP credits to anyone, anywhere. Schools, charities, friends and merchants — all connected through one community network.
Live NowPhase 2 brings payroll, FX swap, business accounts, budget coaching, invoicing and more — all on the HumanPay protocol.
Phase 2 — 2027How it works
Available on iOS and Android. Create your wallet in seconds. No bank account, no ID, no friction.
Scan merchant QR codes, refer friends, receive gifts. Your balance grows with every interaction.
Pay merchants, gift friends, send USDT worldwide. Fast, free, and fully in your control — always.
Global Expansion
Early Access
Join the Xetro waitlist. Be the first to know when we launch in your region, and get early access to the app and HMP credits.
Free forever. No bank account required. No spam — ever.