HIFI

What HIFI does

HIFI is a New York-based financial technology company founded in 2022 that operates a composable API platform for stablecoin and bank-rail payments. The platform exposes programmatic primitives for accepting deposits from banks, cards, and wallets (Inflows), defining approval, limit, and restriction logic on funds (Controls), routing outbound payments across bank rails, cards, wallets, and stablecoins (Outflows), issuing and redeeming tokenized real-world assets (Tokenization), and orchestrating complex multi-party and multi-chain settlement flows (Workflows). It targets both developer-led teams building financial applications and large enterprises, including Fortune 100 and institutional counterparties, with multi-chain settlement across USDC/USDCx and traditional rails such as RTP, and integrated KYC, KYB, and sanctions screening through dedicated review agents. Banking and payment services are delivered under a registered MSB status with principal-agent bank partnerships through Cross River Bank (Member FDIC), and the platform is SOC 2 Type II compliant.\n\nThe business model is transaction-fee-based: HIFI charges configurable fees at deposit entry and on outbound payment routing through its API, with prospective enterprise customers directed to a Book Demo flow for commercial terms. Distribution combines a self-serve developer channel (documentation at docs.hifi.com, dashboard at app.hifi.com, guides, and changelog) with a direct enterprise sales motion and partner-led institutional channels through Circle Payments Network (CPN), Circle's Cross Chain Transfer Protocol (CCTP), and WSPN. As of March 2026, the company reports processing over $500 million in USDC and $100 million through CPN, with annualized volume exceeding $6 billion and hundreds of thousands of transactions per month across 150+ countries. Strategic activity in 2026 includes an onchain repurchase transaction with DRW and Marex on the Canton Network, executed on Tradeweb, demonstrating tokenized repo settlement against U.S. Treasuries using USDC and USDCx rails.

Name

HIFI

Legal name

HIFI

Website

https://www.hifi.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

51–100 employees

Short description

HIFI is a New York-based financial technology company founded in 2022 that provides a composable API platform for stablecoin-native payments, treasury automation, and multi-chain settlement, serving developers, fintechs, and Fortune 100 enterprises across 150+ countries.

Ownership category

akta.pro rank

Product category

Stablecoin Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199), Services-Computer Programming Services (7371)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industries

Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI), Institutional API Connectivity, OMS/EMS & FIX Gateways (FSADAJAJ)

Keywords

• Stablecoin infrastructure
• Payment API platform
• Cross-border payments
• Stablecoin banking rails
• Programmable money movement

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. API Transaction Processing: Revenue generated from processing stablecoin and fiat transactions through the platform API, with fees configured at entry (Inflows) and outbound payment routing (Outflows). The platform enables treasury automation, global payouts, marketplace settlement, and liquidity routing for clients.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

HIFI is a composable API platform that enables developers and enterprises to move, convert, route, and compile value across stablecoins and traditional bank rails. The platform accepts deposits from banks, cards, and wallets; automates money movement through configurable controls; routes global payouts across bank rails, cards, wallets, and stablecoins; tokenizes real-world assets; and supports multi-chain settlement through programmable interfaces with built-in compliance (KYC, KYB, sanctions screening) and SOC 2 Type II security.

Product overview

HIFI is a composable API platform providing financial infrastructure for developers and enterprises who move money at scale. The platform consists of core products including Inflows (deposit acceptance), Controls (automated money movement rules), Outflows (global payment routing), Platform (multi-chain settlement engines), Tokenization (real-world asset tokenization), and Workflows (complex transaction logic). Solutions include Global Payments for cross-border payouts, Private Transactions for institutional confidentiality, and Onchain Repo for tokenized repurchase markets. The architecture enables treasury automation, liquidity routing, and instant currency conversion across stablecoins and bank rails.

Differentiator

Problem solved

Functional benefit

Products and services

• Inflows Accept deposits from banks, cards, and wallets with configurable fees and settlement at the entry point, designed for developers and enterprises needing programmable deposit infrastructure.
• Controls Define what capital can do once inside the system, including approvals, limits, and restrictions, with built-in workflow automation for moving money under configurable rules.
• Outflows Route payments to any destination globally via bank rails, cards, wallets, and stablecoins through a single programmable interface for cross-border payouts.
• Platform Core API platform providing multi-chain settlement engines, private transactions for institutions, transfer approval workflows, split routing to multiple wallets, automated treasury across chains and banks, and cross-border stablecoin payouts.
• Tokenization Issue, manage, and redeem real-world assets and cash instruments into on-chain tokens, enabling institutions to tokenize collateral and cash instruments.
• Workflows Create complex transaction logic including conditional transfers, escrow flows, multi-party routing, and multi-chain settlement across wallets and bank accounts.
• Global Payments Solution enabling cross-border stablecoin payouts and conversions for institutional and enterprise clients requiring global payment coverage across 150+ countries.
• Private Transactions Private transaction capabilities for institutions requiring confidentiality in their financial operations, providing encrypted transaction telemetry across chains and banks.
• Onchain Repo Onchain repurchase transaction infrastructure enabling institutions to access dollar funding and mobilize Treasury collateral outside traditional market hours through atomic settlement on the Canton Network.

Quantifiable outcome

• New payment routes activated in approximately 3 months vs. 2 years traditionally
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature7 records

Partnerships

Five partnerships are on record, tiered flagship and core.

• DRWflagshipTechnology or Integration · 17 June 2026DRW supplied U.S. Treasuries as collateral in an onchain repurchase transaction with HIFI on the Canton Network. HIFI provided the cash leg against the Treasuries, with both legs settling atomically in real time via USDC and USDCx rails. This partnership demonstrates integration of traditional repo market infrastructure with blockchain technology.
• MarexflagshipTechnology or Integration · 17 June 2026Marex acted as prime broker in the onchain repo transaction between HIFI and DRW on the Canton Network. The trade was executed on Tradeweb through request-for-quote protocol, demonstrating how traditional repo market infrastructure can integrate with blockchain technology.
• Circle (Circle Payments Network)coreTechnology or Integration · 26 May 2026HIFI integrated with Circle Payments Network (CPN) to expand global payment coverage without building country-by-country banking relationships. The integration enables HIFI to activate new payment routes in approximately three months through a single network connection, compared to traditional approach taking up to two years and costing $500,000 to $2 million per market. As of March 2026, HIFI has processed over $100 million through CPN.
• Circle (CCTP Integration)coreTechnology or Integration · 20 April 2026HIFI partnered with Circle to integrate Circle Payments Network (CPN) and Cross Chain Transfer Protocol (CCTP) into a unified platform for cross-border USDC payouts. The solution eliminates manual bridging and multi-provider complexity, offering developers three flexible options: simple chain-to-chain bridging, combined bridging and payout via single API call, or sequential bridging followed by payout execution. Positions stablecoins as programmable global payments rail.
• WSPN (Worldwide Stablecoin Payment Network)coreTechnology or Integration · 20 January 2026WSPN partnered with HIFI to enable institutional clients to convert between stablecoins and fiat currencies for cross-border payment settlements. The integration combines WSPN's stablecoin infrastructure with HIFI's licensed payment network, allowing businesses to onramp fiat to stablecoins, transfer value across borders via blockchain rails, and offramp to local currencies while avoiding traditional correspondent banking delays (3-7 days) and costs (3-7% fees).

Scale indicators5 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Zero Hash: Stablecoin and digital asset infrastructure provider offering embedded crypto and stablecoin APIs for fintechs and enterprises. Comparable to HIFI in offering developer-first stablecoin rails, compliance integration, and bank-partner architecture.
• MoonPay: Fiat-to-crypto and stablecoin on/off-ramp platform serving developers and enterprises via API. Comparable to HIFI's Inflows and Outflows modules, particularly for stablecoin on-ramp and global payout use cases.
• Fireblocks: Institutional digital asset custody, settlement, and tokenization platform. Comparable to HIFI in serving institutional clients needing regulated custody, multi-chain settlement, and tokenization — though Fireblocks is more custody-led versus HIFI's payments-orchestration focus.
• BVNK: Enterprise payments platform offering stablecoin and fiat rails for cross-border payouts, treasury, and on/off-ramp services. Directly comparable to HIFI's Global Payments and Outflows modules in target customer (enterprise/institutional) and use case (cross-border settlement).
• Ramp Network: Fiat-to-stablecoin on-ramp infrastructure provider with API-first developer integrations. Comparable to HIFI's Inflows module and stablecoin-fiat conversion capabilities, particularly for global coverage of fiat on-ramp rails.
• Paxos: Regulated stablecoin issuer (USDP, PYUSD) and blockchain infrastructure platform offering tokenization, custody, and settlement APIs. Comparable to HIFI in the regulated stablecoin issuance, tokenization, and institutional settlement layers.
• Bridge: Stablecoin orchestration and payments API platform acquired by Stripe. Direct competitor to HIFI in providing developer-first stablecoin infrastructure for global payouts and treasury automation, with overlapping USDC and multi-chain capabilities.

Broad incumbents

• Coinbase: Largest US-regulated crypto exchange offering Coinbase Prime (institutional), Coinbase Commerce (merchant payments), and developer APIs. Broad incumbent overlap with HIFI's stablecoin and developer-API capabilities, though Coinbase's offering is far broader and not focused solely on orchestration.
• Circle: USDC issuer and operator of Circle Payments Network (CPN) and CCTP — a core HIFI partner and infrastructure provider. While Circle is a partner rather than direct competitor today, it sits adjacent as the broader incumbent in regulated stablecoin infrastructure and could vertically integrate the orchestration layer HIFI occupies.
• Ripple: Provider of cross-border payment infrastructure (RippleNet) and enterprise blockchain solutions including the RLUSD stablecoin. Comparable to HIFI in the enterprise cross-border payments use case, though Ripple operates a much broader and more established institutional network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/hifibridge
• LinkedInlinkedin.com/company/hifi-bridge

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds6 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HIFI