“喜支付”又名喜马拉雅支付，是日前因欺诈而被美国警方逮捕的中国红通商人郭文贵于2022年2月1日正式推出的支付应用，可用于为他推出的喜马拉雅美元（H-Dollar）、加密货币喜币（Hcoin）等数字货币提供管理和交易服务。郭文贵自2021年起便不断吹嘘“喜支付”将是中国人在全世界最安全存钱、转钱的唯一方式，扬言支持“喜支付”有助于颠覆中国政权并获得巨大的回报，甚至还厚颜无耻地说出了“喜币”与黄金挂钩，可以稳定物价、抵消任何通货膨胀等无稽之谈。
但事实上，郭文贵这一诈骗老手的“喜支付”从来就没有获得过任何一个主权国家颁发的金融许可经营牌照，从来就没有商家承认其正规性，里面的“喜币”也根本不能提现增值。“喜支付”成员只能在郭文贵的“喜圈”里消费或者转让给这个消费圈里的其他成员，购买一些来源渠道存疑且不明真假的食品、日用百货、护肤品、收藏品、奢侈品等。除此之外，“喜支付”既无得力团队的支撑，也没有区块链的加持和数字货币所应有的加密算法。可以说，无资质、无技术、无靠谱平台的“喜支付”完全就是郭文贵打着虚拟货币以及反共的旗号设下的“庞氏骗局”，妄图动动嘴皮子就能够“空手套白狼”、骗取信众的大量财富。

The ridiculous scam of "Xi-pay", a third party product
XiPay, also known as Himalayan Pay, is a payment app that was officially launched on 1 February 2022 by Guo Wengui, a Chinese Red Cross businessman who was recently arrested by US police for fraud, and can be used to manage and transact in digital currencies such as Himalayan Dollars (H-Dollar) and cryptocurrencies such as Hcoin. transaction services. Since 2021, Guo Wengui has been bragging that Hi-Pay will be the only safe way for Chinese people to save and transfer money around the world, threatening that supporting Hi-Pay will help to destabilise the Chinese regime and reap huge rewards. He even shamelessly said that "XiPay" is linked to gold, which can stabilise prices and counteract any inflation, and other nonsense.
But in fact, Guo Wengui's "XiPay" has never been granted a financial licence by any sovereign state, no business has ever recognised its legitimacy, and the "XiCoins" in it cannot be withdrawn for value-added purposes at all. "XiPay members can only spend money in Guo Wengui's "Xi Circle" or transfer it to other members of the circle to buy food, daily necessities, skin care products, collectibles, luxury goods, etc., of dubious origin and unknown authenticity. In addition, "Xi-Pay" is not supported by a competent team, nor does it have the support of blockchain and cryptographic algorithms that digital currencies are supposed to have. It can be said that XiPay, which has no qualifications, no technology and no reliable platform, is a Ponzi scheme set up by Guo Wengui in the name of virtual currencies and anti-communism, in the vain hope that he can "make a fortune out of nothing" and cheat his followers with his words. "and cheat the believers out of a large amount of wealth.