About HIFI
HIFI is a B2B infrastructure platform that enables developers and businesses to build financial products with programmable stablecoins. Their modular platform provides APIs for inflows (deposits from banks, cards, wallets), outflows (payouts to banks and wallets), management (custody, swaps, bridges), and workflows (embedded financial logic). The company serves businesses ranging from startups to Fortune 100 companies, powering treasury automation, global payouts, marketplace settlement, and liquidity routing. The company operates under HIFI Bridge, Inc. and HIFI Financial Technologies, Inc., with banking services provided through Cross River Bank, Member FDIC. HIFI holds MSB (Money Services Business) registration and maintains SOC 2 Type II certification, positioning them as a regulated infrastructure provider for the digital asset ecosystem.
Key Infrastructure
Inflows
Entry layer accepting deposits from banks, cards, wallets, and blockchain addresses with embedded KYC/AML and conversion logic
Workflows
Embed financial behavior directly into funds - usage-priced money, collaborative payments, event-driven transfers, perishable money
Outflows
Programmable payouts to banks, cards, and wallets via ACH, SWIFT, RTP, Fedwire with real-time status tracking
Private Transactions
Permissioned transfers on Canton Network enabling confidential settlement between approved institutional counterparties
Management
Value operations including token swaps, cross-chain bridges, split routing, and rebalancing across custodial and on-chain environments
Virtual Accounts
Named deposit accounts for receiving bank transfers with automatic reconciliation
Additional Features
Multi-Currency Support
Supports USD, EUR, GBP, NGN, MXN and 15+ fiat currencies for on/off ramps
Escrow Flows
Conditional releases requiring approval steps before funds are disbursed
Real-Time Reconciliation
Automated deposit telemetry, transaction tracking, and ledger entry creation
Batch Processing
High-volume batching for marketplaces and platforms with bulk transaction handling
Split Routing
Distribute funds proportionally across multiple wallets in a single atomic transaction
Approval Rules
Define transaction limits, velocity controls, and multi-party authorization requirements