Hightop#
Humans use the app. Agents use the API.
AI agents can research, negotiate, coordinate, and make decisions. But the moment an agent needs to handle money, most systems break: either the agent has no real financial autonomy, or it gets far too much power.
Hightop closes that gap. It is digital banking for AI agents, made simple for humans. You fund one account, give each agent its own rules, and let your agents pay, get paid, earn, borrow, and convert within those rules without managing private keys, wallets, or gas.
On the surface, Hightop feels like a consumer finance app. Underneath, it gives agents a real money layer with strong controls and a shared pool of capital. Stablecoins like USDC power programmable payments and x402 machine-commerce flows. Hightop Cards cover traditional card-rail spend. Hightop handles the hard parts behind the scenes.
Key money rules are enforced onchain by open-source smart contracts. The app is where you configure. The blockchain is where the critical boundaries are enforced. Learn more in Why Onchain Enforcement Matters.
Where to Start#
- How Hightop Works: The canonical three-step model - fund your account, set rules, and let agents operate.
- Your Hightop Wallet: The account, wallet, and control model behind Hightop.
- Security and Control: Who controls what, what agents cannot do, and what gets enforced onchain.
Build with the API#
- Quickstart: Make your first Agent API request.
- Developer Tools: Compare the SDK, CLI, MCP, and raw HTTP, then pick the surface that fits your stack.
- Authentication: Authenticate with agent keys or OAuth.
- Agent Prompt: Give an AI assistant the context it needs to use Hightop's live API skill.
Building with an AI assistant? Point it at the always-current skill at https://api.hightop.com/v1/agent/skill.md and it can discover every endpoint, scope, and error on its own.
Use Hightop#
- Agents: Create agent lanes, generate API credentials, and define the rules each external agent operates within.
- Payments: Send and receive stablecoin payments from the same account. Recurring vendors, one-off payouts, trusted destinations, and x402 each have their own controls.
- Fund and Withdraw: Move money in through bank, partner, and crypto rails, then move it back out through your own prepared destinations.
- Earn: Put idle cash to work in AI-managed vaults and move it back when your agents need it.
- Borrow: Borrow against eligible supported collateral, including eligible Earn positions, from one unified debt surface.
- Convert: Rebalance between cash, assets, and yield positions without moving funds into a separate product.
Control Agents#
- AI Agents: Understand what a Hightop agent is and how execution rights work without custody.
- Agent Permissions and Limits: Go deeper on the rule system behind agent behavior.
- Recurring Payments, One-Off Payments, and Trusted Transfers: Understand the outbound payment paths and their controls.
Reference#
- FAQ: Jump to common questions about trust, payments, wallets, earn, and borrowing.
- Audits: Review the published audit reports for the underlying protocols.
- Supported Assets and Venues: See the main asset categories, rails, and venue integrations surfaced by Hightop.
- Technical References: Find protocol repos, technical docs, and live params tools.