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. Multi-currency accounts with real IBANs in UK, EU and 20+ countries arriving in 2027, giving every Xetro user a full banking experience without a bank.
USDT Live · IBANs 2027Scan a merchant QR code every visit. Earn 1 HMP per check-in. Every 10 check-ins triggers a 10 HMP loyalty bonus automatically.
Live NowSend HMP credits as a gift to friends, family, schools and charities instantly. No fees. No limits. The simplest way to give — anywhere in the world.
Live NowReal IBANs in GBP, EUR, USD and more. Send and receive across SEPA, SWIFT and Faster Payments. A full bank account experience for every Xetro user — across 20+ countries worldwide.
Coming 2027Lock your HMP for 1, 2 or 3 years and earn monthly HMP rewards. Bronze, Silver and Gold tiers — up to 500 HMP per month for Founder Members.
Coming SoonSpend your USDT balance anywhere Visa is accepted worldwide. Load your card, spend globally, withdraw at any ATM.
Coming 2027Phase 2 brings payroll, FX swap, business accounts, budget coaching, invoicing and more — all on the HumanPay protocol.
Phase 2 2027No bank account required. Low Data Mode means no WiFi needed. Designed for communities across 12 global markets — from Thanet to Zanzibar.
Live NowEarn HMP Credits
Visit any Xetro merchant and scan their QR code. Earn 1 HMP per check-in. Every 10 check-ins triggers a 10 HMP loyalty bonus automatically.
Live NowShare your referral link and earn HMP every time someone joins your network. The bigger your network, the more you earn.
Live NowPurchase HMP credits directly via our website using USDT. Credits land automatically in your Xetro wallet. ICO Round 1 opens August 2026 at 5p per HMP.
ICO August 2026Earn double HMP on every £1 spent internationally. Travel more, earn more — your HMP balance grows every time you use Xetro abroad.
With Xetro CardSchools and charities earn real HMP for every active user in their network. The more students engage, the more HMP flows to the school treasury.
Coming SoonLock your HMP for 1 to 3 years. Earn up to 500 HMP per month as a Founder Member. Bronze, Silver and Gold tiers available.
Coming SoonLock and Earn
How 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, and gift to others. 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.