Which payment system or cryptocurrency to choose for high-yield investment programs (HYIPs)?

Which payment system or cryptocurrency to choose for high-yield investment programs (HYIPs)?
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If you are a newcomer, then this article is intended just for you! When starting with HYIPs, it's important to decide on a payment system or cryptocurrency that you will use for future investments.

We have prepared an article about payment systems and cryptocurrencies to help you get started with HYIPs, where we will tell you what to consider when making your choice.


It's challenging to imagine an investment project without an accessible and understandable system for depositing and withdrawing funds. Fortunately for us, investors, there are electronic payment systems and cryptocurrencies that allow us to invest in high-risk investment projects and more.

The main criteria for choosing a payment system for working with HYIPs should include:

  • user-friendly and understandable interface;
  • low transaction fees;
  • security;
  • simple verification process or its absence.

When choosing a cryptocurrency for working with HYIPs, the following criteria are also important:

  • low fees;
  • high transaction speed.

In this article, we want to highlight the most popular payment systems and cryptocurrencies used for investing in HYIP projects.

Payment Systems in HYIPs

Some investment projects allow you to work with bank cards, but we do not recommend doing this for several reasons. Firstly, you can invest with bank cards in only a few HYIPs, which can be inconvenient. Secondly, some bank cards may have transfer fees or a high minimum withdrawal amount from a specific project. Thirdly, it is not safe. With significant turnover, the bank may block your card or request income confirmation.

This is why it is necessary to use electronic payment systems to work with these types of projects.

There are numerous payment systems, but the most popular ones in HYIPs are: Perfect Money, ePayCore, and Payeer.

Perfect Money Payment System

Currently, the Perfect Money payment system is the most popular in the HYIP industry, but starting from the summer of 2021, it has been losing its position and yielding to cryptocurrencies in the TOP list. It is still used in most investment projects, and every respectable investor should have an account with them.

The main advantages include:

  • a simple and understandable interface;
  • a high level of security;
  • low fees for verified users, which are 0.5% of the transfer amount;
  • instant transactions;
  • the ability to create up to three wallet numbers in USD, EUR, or gold.

As for the downsides, it's worth noting that the transfer fees for unverified users will be 1.99% of the transfer amount.

ePayCore Payment System

Due to Perfect Money gradually losing its position and introducing restrictions in the HYIP industry, the ePayCore payment system emerged, actively gaining popularity among HYIP project administrators. In case the project does not support Perfect Money, you do not want to use cryptocurrency, or you simply prefer this payment system over others, it will be an excellent choice for an investor.

The advantages of this payment system are as follows:

  • The interface is intuitive;
  • When creating a wallet, you have access to three currencies - dollars, hryvnias, and rubles (euros and tenge can also be added);
  • Low fees within the system, namely 0.5% for transfers regardless of verification;
  • Verification is optional;
  • There is a generous affiliate program;
  • You can top up your balance with bank cards, payment systems like AdvCash, Perfect Money, and popular cryptocurrencies;
  • Instant transactions.

Since this payment system is new, it needs to earn authority. This is not an easy and fast path. We wish ePayCore good luck with this! We see that things are slowly working out. May it continue this way.

What does verification provide? Verification increases the withdrawal limit, which is $5,000 per month upon registration. Additionally, verification is necessary to prevent fraud, combat money laundering, and counter terrorism financing.

Payeer Payment System

The Payeer payment system is the most versatile among its competitors. It offers over 20 methods for depositing and withdrawing funds, including cryptocurrencies, bank cards, and even mobile operators.

This payment system has a range of advantages:

  • When creating a wallet, you have access to three currencies - dollars, rubles, and euros;
  • The ability to anonymously withdraw funds to any Russian bank card;
  • The ability to transfer funds even to users who do not have an account in the payment system using email, bank card numbers, or mobile phone numbers;
  • Verification is optional;
  • The commission for manual transfers is 0.5%;
  • Instant transactions;
  • High-level security.

Why did we write "for manual transfers"? Payeer reduced the transfer fee, but for the API used by HYIPs for automated payouts, the fee remains 0.95%. Depending on the project, this fee may be charged for withdrawals instead of the usual 0.5%.

What does verification provide? Nothing special, except that you can carry out daily operations for amounts exceeding $2,000. This is not relevant for an average investor.

P.S. Due to new rules introduced in early November 2020, you rarely encounter the Payeer payment system in HYIPs. We believe that its use is not advisable. We included it in this article for general knowledge, as you can still encounter it in HYIPs.

Cryptocurrencies in HYIPs

Perhaps there is no one who has not heard of cryptocurrencies. They are a good alternative to fiat money and allow convenient investment in financial instruments, including HYIPs.

We strongly advise newcomers against using cryptocurrencies, as changes in exchange rates can have both positive and negative effects on the total profit if the project involves conversions. By investing a certain amount in a project, you risk receiving less dollars than planned based on the project's marketing. There may be exceptions where you receive a larger amount. Each person makes their own conclusions.

Previously, experienced investors used cryptocurrencies, such as Bitcoin, only when a project exclusively accepted cryptocurrencies without fiat payment systems.

Now the situation has changed, and stablecoins, which are pegged 1:1 to the US dollar, have started to appear in HYIPs. We recommend these for newcomers.

Tether (USDT) Stablecoin

We believe that the best choice for investing in HYIPs is the Tether stablecoin, which is currently the largest stablecoin in the world by market capitalization.

What makes Tether good?

  • Low fees (using networks like Tron, BSC, etc., you can significantly reduce transfer fees);
  • Stability;
  • Instant transactions;
  • Easy to use.

Today, Tether is present in almost every HYIP, which is a positive sign. Therefore, we recommend starting to use it if you haven't already.

USD Coin (USDC) Stablecoin

The USD Coin (USDC) stablecoin is encountered in HYIPs much less frequently than its competitor, Tether. However, we believe that the situation should gradually change, and in the near future, we will observe the addition of this token to the list of HYIP payment options more and more often.

This stablecoin possesses the same set of advantages as Tether:

  • Low fees (using networks like Tron, BSC, etc., you can significantly reduce transfer fees);
  • Stability;
  • Instant transactions;
  • Ease of use.

This stablecoin ranks second in its category by market capitalization. USDC has gained significant authority, which is growing year by year.

Binance USD (BUSD) Stablecoin

Another stablecoin on our list, this time it's Binance USD (BUSD) from the cryptocurrency exchange Binance. BUSD stablecoin is not as commonly encountered as Tether, but you can still find it in the list of payment options for HYIPs.

BUSD stablecoin possesses the same set of advantages as its competitors, Tether and USDC:

  • Low fees (using networks like Tron, BSC, etc., you can significantly reduce transfer fees);
  • Stability;
  • Instant transactions;
  • Ease of use.

BUSD ranks third by market capitalization among stablecoins. We hope to see it more frequently in the list of cryptocurrencies available for investment in HYIPs in the near future.

Popular Cryptocurrencies Used in HYIPs

It's no secret that cryptocurrencies are practically found in every HYIP, which is great. Cryptocurrencies allow you to invest in any HYIP with just a few clicks and multiply your cryptocurrency on volatility.

We have prepared a list of popular cryptocurrencies used in HYIPs:

Each of the mentioned cryptocurrencies has a very similar set of advantages, except for BTC and ETH fees. Therefore, we did not delve into each of these cryptocurrencies separately.

If you are interested in the fundamental aspect of a cryptocurrency and want to hold it for the long term, you can try to multiply it using HYIPs. Stablecoins, on the other hand, are better suited for locking in profits as well as for investment.

Cryptocurrency Wallets

For working with HYIPs, we recommend using cryptocurrency wallets instead of exchanges. Here are examples of the most popular cryptocurrency wallets:

In addition to cryptocurrency wallets, there are also cold wallets. Here are a few examples:

We also have several articles that, in our opinion, may be useful to you:

Our Recommendations

As practice shows, HYIP admins often use the standard set of payment systems, including Perfect Money and ePayCore. As for cryptocurrencies, you can find the following: Tether (USDT), USD Coin (USDC), Binance USD (BUSD), Bitcoin (BTC), Ripple (XRP), TRON (TRX), Litecoin (LTC), Binance Coin (BNB), Dogecoin (DOGE), Solana (SOL), Bitcoin (BTC), Ethereum (ETH), and others.

We believe that every newcomer or experienced investor should have wallets registered with payment systems such as Perfect Money and ePayCore. As for cryptocurrencies, we recommend getting familiar with Tether (USDT) on the TRC-20 network.

We recommend using Bitcoin only in extreme cases. For example, in projects that accept only BTC or during bear markets, as the fees and minimum withdrawal amounts will be much lower than in bull markets.


To sum up the above, the most popular payment system used by HYIPs is undoubtedly Perfect Money, but ePayCore is closely behind.

The list of cryptocurrencies is quite extensive, and there is no need to repeat it here. It all depends on the project and the cryptocurrency that you like.

We have articles on most of the mentioned payment systems, cryptocurrencies, and stablecoins on our blog, so we recommend checking them out!

In this article, we covered popular payment systems and cryptocurrencies used in HYIP projects, their advantages, and provided some recommendations.

Please leave comments sharing which payment systems and cryptocurrencies you use and find convenient for investment. If you have difficulties buying or selling, questions about creating wallets, you can contact us through the provided contacts. We will be happy to assist and advise you!

We hope this article has been useful to you. Wishing everyone successful and profitable investments!

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