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<h4>HY10 is preparing to launch a premium payments service specifically tailored for ultra-high-net-worth individuals (UHNWIs), underscoring its commitment to delivering seamless, secure, and luxury financial solutions. As a UK-regulated electronic money institution (EMI), HY10 focuses on providing next-generation financial services that cater to the sophisticated needs of globally mobile UHNW clients.</h4>
<p><img loading="lazy" decoding="async" class="alignnone wp-image-1592 size-full" src="http://compose-live.hy10.uk/wp-content/uploads/2025/12/hy10-news-high-end-finance-reinvented-fintech-futures-image-one.jpg" alt="High-end finance, reinvented. Fintech Futures | News | HY10" width="1000" height="563" /></p>
<h3>HY10 Launch</h3>
<p>The upcoming service enhances global payment capabilities through advanced technology that supports multi-currency accounts and premium metal Visa cards, designed to facilitate frictionless cross-border transactions. HY10’s platform integrates strong compliance and safeguarding measures to ensure client funds are protected within ring-fenced accounts held at major banking partners, maintaining full adherence to FCA regulations.</p>
<p>What distinguishes HY10 is its holistic approach that combines financial services with concierge-level lifestyle support. Members benefit from curated access to exclusive events, international adventures, and bespoke experiences, all while enjoying smooth spending power and tailored relationship management. The company’s compliance team works closely with lifestyle specialists, using real-time travel and spending data to optimise transaction approval processes without disrupting the user experience.</p>
<p>HY10 does not provide lending, deposit-taking, or wealth management services, choosing instead to focus exclusively on luxury payment solutions that complement existing banking relationships. This specialised service positions HY10 as a leading provider of innovative, discreet, and comprehensive payment services for the next generation of ultra-high-net-worth individuals looking for both financial empowerment and lifestyle excellence.</p>
<p>By offering a streamlined onboarding process with dedicated relationship managers, HY10 ensures each member receives personalised guidance, making global finance simple, secure, and connected to a world of exclusive privileges.</p>
<p>Read the full article <a href="https://www.fintechfutures.com/fintech-start-ups/hy10-preps-launch-of-premium-payments-service-for-uhnwis" target="_blank" rel="noopener">here</a>.</p>


High-end finance, reinvented. Fintech Futures

<h4>Welcome to HY10, the premier global financial platform designed exclusively for ultra-high-net-worth individuals seeking a seamless fusion of luxury lifestyle and cutting-edge financial technology. Backed by a UK FCA-authorised electronic money institution (EMI) licence, HY10 delivers premium metal Visa cards and flexible multi-currency accounts, perfectly crafted for internationally mobile clients who require effortless global spending and transaction capabilities.</h4>
<p><img loading="lazy" decoding="async" class="alignnone wp-image-1597 size-full" src="http://compose-live.hy10.uk/wp-content/uploads/2025/12/hy10-news-the-new-era-of-luxury-financial-solutions-spears-wealth-management-image.jpg" alt="The new era of luxury financial solutions Spears Wealth Management | News | HY10" width="1000" height="560" /></p>
<h3>Inner Circle</h3>
<p>Our unique “Inner Circle” feature allows members to securely extend account access and specialised benefits to family members, personal staff, and professional advisers, all within a strictly regulated framework. Every client receives personalised onboarding supported by a dedicated relationship manager, ensuring a smooth, fully guided experience that respects the highest standards of regulatory compliance and client confidentiality.</p>
<p>With HY10, enjoy the advantages of Visa’s expansive global acceptance network, combined with robust safeguarding of client funds held in ring-fenced accounts with reputable UK banking partners. Our real-time compliance infrastructure integrates lifestyle and travel insights, enabling transactions to pass through smoothly without unnecessary interruption, empowering members to spend confidently and securely across borders.</p>
<p>Beyond financial services, HY10 offers bespoke concierge support that opens doors to exclusive international sporting events, luxury retreats, and curated lifestyle experiences through trusted partnerships. Our lifestyle and compliance teams work collaboratively to provide context-rich, frictionless service tailored to the dynamic needs of the modern ultra-high-net-worth individual, all while maintaining strict compliance protocols.</p>
<p>HY10 is designed to bridge the gap left by traditional private banks and concierge services, focusing exclusively on seamless global spend and lifestyle support — without providing lending, deposit-taking, or wealth management services. This refined focus allows us to deliver unparalleled convenience, discretion, and bespoke service that complements your broader wealth management strategy.</p>
<p>Join HY10 today and step into a new era of luxury financial empowerment designed for the next generation of globally active ultra-high-net-worth clients. Apply now to experience financial freedom, exclusive lifestyle access, and a truly customised relationship with your money and your world.</p>
<p>Read the full article <a href="https://spearswms.com/wealth/new-10000-a-year-black-card-pitched-at-next-gen-uhnws/" target="_blank" rel="noopener">here</a>.</p>


The new era of luxury financial solutions Spears Wealth Management

<h4>HY10 provides ultra-high-net-worth individuals with a regulated digital platform for managing international finances. As a UK-authorised Electronic Money Institution (EMI), HY10 issues electronic money and enables secure, multi-currency accounts for effortless cross-border control.</h4>
<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-1602" src="http://compose-live.hy10.uk/wp-content/uploads/2025/12/hy10-news-premium-multi-currency-accounts-for-global-clients-image.jpg" alt="Premium multi-currency accounts for global clients | News | HY10" width="1000" height="560" /></p>
<h3>Solving real cross-border challenges</h3>
<p>The platform addresses common frustrations faced by globally mobile families: complex cross-border payments, opaque foreign exchange rates, and time-sensitive lifestyle coordination. Rather than replacing existing private banking relationships, HY10 works alongside them to deliver speed, transparency, and regulated flexibility where it matters most.</p>
<h3>Seamless cross-border money management</h3>
<p>Built for globally mobile clients, HY10 simplifies international transfers and currency conversion with transparent rates shown before each transaction. The platform complements existing private banking relationships, offering speed, clarity, and compliance without complexity.</p>
<h3>Smarter accounts and secure payments</h3>
<p>Hold and manage funds in GBP, EUR, USD, and CHF through HY10’s multi-currency accounts. Members receive Visa-powered payment cards with enhanced security, real-time spending controls, and instant notifications for every transaction.</p>
<p>Family offices can issue supplementary cards with tailored permissions, helping teams manage expenses for household, education, and travel with full oversight.</p>
<h3>Private access, regulated confidence</h3>
<p>Membership is available by invitation or qualified application, with an annual platform fee of £10,000. All accounts follow strict UK safeguarding rules, ensuring funds are held securely and separately from HY10’s operational money.</p>
<p>HY10 is authorised as an Electronic Money Institution in the United Kingdom. It does not provide deposit-taking, investment, or credit services.</p>
<p>Read the full article <a href="https://www.boatinternational.com/boat-pro/news/hy10-multi-currency-payment-uhnwi" target="_blank" rel="noopener">here</a>.</p>


Premium multi-currency accounts for global clients

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<p>With the HY10 app, you can easily manage all your main and supplementary accounts in one place. Open and hold accounts in a range of major currencies, monitor spending, manage assets, set spending limits, and apply account controls, all designed to help you stay in control of your finances.</p>


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<p>HY10 Global LTD is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN1004355) for the issuing of electronic money. Please note that electronic money products are not covered by the Financial Services Compensation Scheme (FSCS). However, funds are safeguarded in accordance with the requirements of the Electronic Money Regulations 2011.</p>
<p>Lifestyle, concierge, and non-financial services are provided by HY10 Lifestyle (Orbital Mobile LTD). Please note that while services are co-branded, only the electronic money and payment services are regulated by the FCA. Unregulated services are delivered by HY10 Lifestyle, which is not regulated by the Financial Conduct Authority, therefore these services are not subject to FCA oversight.</p>
<p>HY10 Global LTD is a principal member of Visa and issues Visa cards under license. Visa is a registered trademark of Visa International Service.</p>


<p>The services provided by HY10 Global LTD are directed exclusively at persons in the United Kingdom. HY10 Global LTD is not regulated in any jurisdiction outside the United Kingdom, and nothing on this website (or in our communications) should be construed as an offer or solicitation to provide services to persons outside the United Kingdom. If you access this website or use our services from outside the United Kingdom, you do so at your own initiative and risk. You will not benefit from the regulatory protections or investor compensation schemes that may apply in your local jurisdiction. By continuing to access this website, you confirm that you understand and accept this disclaimer.</p>
<p><span data-olk-copy-source="MessageBody">Unlimited spending power and unlimited accounts is subject to aml regulations and alignment with UK legal and regulatory requirements.</span></p>
