hi

Digital Bankinghi.com

hi is a Web3 neobank super-app that lets individual users across 130+ countries buy, sell, earn yield on, and spend 100+ cryptocurrencies and fiat through mobile and web apps, with revenue from trading fees, network withdrawal fees, and a tiered membership program.

Company typePrivate
Founded2021
HeadquartersTallinn, Estonia
Headcount101–250
GTM typeB2C
OfferingServices

What hi does

hi is a Web3 neobank operating as a crypto and fiat super-app, delivered through iOS, Android, and web clients and reachable via WhatsApp and Telegram bots. Founded in 2021 and operated by the Singapore-based hi Foundation (a not-for-profit), the company offers a Buy & Sell exchange supporting 100+ cryptocurrencies, an Earn program with flexible and fixed-term yields up to 20% APY (paid in HI), a six-tier membership program (Basic through Diamond) that provides APY boosts of up to 50% alongside lifestyle benefits, and a hi Debit Mastercard accepted at 90m+ merchants. Security is built on a multi-layer stack including Multi-Party Computation (MPC), Intel SGX, a Signature Policy Engine, and a Deposit Address Authentication Network, with assets custodied by SOC 2 Type II-certified partners.

The company generates revenue primarily through a 0.2% transaction fee (minimum $10) on crypto and fiat trades, network withdrawal fees on supported assets, and recurring membership economics from its tiered subscription. It serves individual crypto and fiat users globally (3,592,598 registered users as stated on its homepage, with operations across 15+ countries), alongside SMB merchants reached through the debit card network. Distribution is community-led via 18+ language Telegram channels and a WhatsApp bot, supplemented by app-store presence and a strategic partnership with Animoca Brands, which invested $30M in July 2023 to integrate hi into its blockchain gaming and NFT ecosystem. The platform is regulated via a Virtual Asset Service Provider (VASP) Authorisation from Lithuania, and the company has stated plans to expand into Hong Kong and to transition governance toward a DAO model.

hi firmographics

Firmographics

Name: hi
Legal name: hi Foundation
Website: https://hi.com
Company type: Private
Founded year: 2021
Operating status: Operating
Headcount range: 101–250 employees
Short description: hi is a Web3 neobank super-app that lets individual users across 130+ countries buy, sell, earn yield on, and spend 100+ cryptocurrencies and fiat through mobile and web apps, with revenue from trading fees, network withdrawal fees, and a tiered membership program.
Ownership category
akta.pro rank

hi industry classification

Industry

Product category: Digital Banking
NAICS: Securities and Commodity Exchanges (52321)
SIC: Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
akta.pro primary industry: Smart Contract Wallets / Account Abstraction (MPC/AA, social recovery, paymasters) (FSAPACAB)
akta.pro secondary industry: Tokenized Treasury, Money Market & Cash Management Products (FSADAEAB)

Keywords

Crypto exchange
Digital banking
Crypto savings
Crypto debit card
Tokenized membership

Where hi is headquartered

Location

Headquarters

HQ city: Tallinn
HQ country: Estonia
HQ region: Europe

Offices4 records

Markets served

hi business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

Trading Fees: 0.2% trading fee on crypto and fiat transactions. Minimum USD 10 per transaction.
Network Withdrawal Fees: Variable network fees for cryptocurrency withdrawals including BTC, ETH, USDT, and other supported assets
Membership Tiers: Tiered membership program (Basic, Black, Silver, Gold, Platinum, Diamond) providing escalating benefits including APY boosts up to 50%

Pricing tiers

Model	Billing	Price
Other	Pay-as-you-go	KYC Level 1 - Basic verification
Other	Pay-as-you-go	KYC Level 2 - Full verification
Transaction based/ take rate	Pay-as-you-go	Trading Fee
Subscription	Monthly	Membership Tiers (Basic to Diamond)

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

hi product offering

Product offering

Core offering

hi operates as a Web3 Neo-Bank crypto super-app that lets users buy, sell, swap, and store 55+ cryptocurrencies alongside fiat balances, earn interest on digital asset holdings, spend via a hi Debit Mastercard, and access tiered membership benefits powered by the HI Token. The platform serves users across 173 countries and combines trading, savings, payments, and rewards in a single mobile app.

Product overview

hi is a Web3 Neo-Bank and crypto super-app offering a unified platform for trading, saving, and spending both crypto and fiat currencies. The core product portfolio consists of three interconnected services: Buy & Sell (a fully licensed crypto exchange supporting 100+ cryptocurrencies including BTC, ETH, and SOL with features like credit card purchases and personal IBAN top-ups), Earn (a savings program offering flexible and fixed-term earning options with APY up to 20% depending on asset and term), and Membership (a tiered loyalty program with six levels providing benefits such as subscription rebates, travel perks, and APY boosters). The platform also includes a debit Mastercard for merchant payments at 90m+ locations. Key features include peer-to-peer payments with no fees, global currency remittance, and upcoming crypto derivatives and equity trading. The ecosystem is powered by the HI token as a membership token.

Differentiator

Problem solved

Functional benefit

Products and services

Buy & Sell (Crypto and Fiat)
Earn
hi Membership
hi Debit Mastercard

Quantifiable outcome

3,592,598 users as of current reporting
+3 more outcomes

Companies that use hi

Customer profile

Named customers2 records

Segments3 records

Ideal customer profiles2 records

hi technology and API

Technology

Technology focussed Yes

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

hi partnerships and signals

Strategic signal

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

hi competitors and assessment

Company assessment

Direct peers

Crypto.com: Crypto.com is a direct peer operating a crypto super-app combining exchange, debit card, staking, and tiered membership (CRO/VIP). Like hi, it bundles trading, earn, and card spend into a single app targeting retail crypto users globally.
Wirex: Wirex is a direct peer offering a crypto-backed debit Mastercard, multi-currency wallet, exchange, and yield products in a mobile app. Both target global retail users seeking integrated crypto banking with fiat on-ramps and merchant acceptance.
Nexo: Nexo is a direct peer providing crypto savings/earn products, exchange, and card services with tiered loyalty. Both compete on yield rates, custodial wallets, and fiat banking integration for retail crypto holders.

Broad incumbents

Binance: Binance is the largest crypto exchange globally, offering spot trading, staking, savings, debit card, and a broad token ecosystem. As a broad incumbent, it dwarfs hi on liquidity and listings but overlaps on the full super-app retail proposition.
Coinbase: Coinbase is a broad incumbent US-listed exchange with Coinbase Card, staking, and a tiered rewards program. It targets retail crypto users with regulated custody, overlapping hi's exchange-plus-card positioning in regulated markets.
Revolut: Revolut is a broad incumbent neobank with embedded crypto trading, exchange, and card features. It targets global retail users but treats crypto as a feature rather than a core, contrasting hi's crypto-first positioning.

Regional players

Bitpanda: Bitpanda is a European-headquartered crypto broker with staking, savings, and a debit card (Bitpanda Card). It competes directly with hi in European retail crypto banking but lacks hi's messaging-app distribution model.

Emerging players

Cake DeFi: Cake DeFi offers DeFi-focused yield products, staking, and lending, with a mobile app for retail crypto users. It overlaps with hi's Earn product line but lacks card and exchange breadth.
YouHodler: YouHodler provides crypto savings accounts with high APY, multi-currency wallets, and exchange functionality. It overlaps with hi's Earn and Buy & Sell products but targets a narrower yield-focused user base.
Trust Wallet: Trust Wallet is a self-custodial crypto wallet with integrated DEX access, staking, and dApp browser. It overlaps with hi's wallet and staking functionality but lacks fiat banking and card rails.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

hi compliance and trust

Trust signal

Compliance1 record

hi financial estimates

Financial estimate

Revenue estimate

Valuation estimate

hi leadership team

Management profile

Number of profiles

Profiles2 records

hi funding detail

Funding detail

Funding overview

Funding rounds2 records

Investors4 records

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

hi M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about hi

What does hi do?

Is hi a public or private company?

hi is a private company. It is classified as unknown and is currently operating.

When was hi founded?

hi was founded in 2021. It employs 101 to 250 people.

Where is hi based?

hi is headquartered in Tallinn, Estonia, in the Europe region.

How does hi make money?

Three revenue lines are on record. Trading Fees are the primary driver. The others are network Withdrawal Fees and membership Tiers.

Who are hi's main competitors?

Direct peers on record are Crypto.com, Wirex and Nexo. Broad incumbents are Binance, Coinbase and Revolut. Bitpanda is listed as a regional player. Emerging players are Cake DeFi, YouHodler and Trust Wallet.

Does hi have an API?

No public API is recorded for hi.

What industry is hi in?

hi's product category is Digital Banking. Its primary akta.pro industry code is FSAPACAB, Smart Contract Wallets / Account Abstraction (MPC/AA, social recovery, paymasters), with a secondary code of FSADAEAB, Tokenized Treasury, Money Market & Cash Management Products. Its NAICS code is 52321 and its SIC code is 6200.