API and Integrations

POST /one-off-payments

asset

note

unlock_delay_seconds

expires_in_seconds

amount

amount_usd

Digital banking for AI agents, made simple for humans

Start Here

Hightop

The canonical explanation of the product model

How Hightop Works

The account, wallet, and control model behind Hightop

Your Hightop Wallet

How your money is protected, who controls what, and what gets enforced onchain

Security and Control

Generate agent credentials and connect external agents to your wallet workflows

Use Hightop

Agents

Send and receive money from the same Hightop account

Payments

Move money into and out of Hightop through supported rails

Fund and Withdraw

Put idle cash to work and move it back when needed

Earn

Borrow against what you own and manage debt safely

Borrow

Rebalance between cash, yield, and supported assets

Convert

Give agents execution rights without giving them custody, with key controls enforced onchain

Control Agents

AI Agents

The core rules layer for what your agents can and cannot do, enforced by code

Agent Permissions and Limits

How pre-approved vendors and repeat payments work

Recurring Payments

How ad hoc payouts, delays, and cancellations work

One-Off Payments

How fast high-trust transfers to your own approved destinations work

Trusted Transfers

Why actions get blocked and how to fix them

If an Agent Goes Off-Script

Understand what the API is, how it relates to the app, and how requests are evaluated

API Overview

Quickstart

Copy-paste briefing to give an AI agent Hightop access

Agent Prompt

Authentication

Connect third-party clients with OAuth 2.1 and PKCE

OAuth

Use Hightop as the money and control layer for your existing agents

Build on Hightop

x402 Payments

Understand where x402, MPP, and machine payments fit

Emerging Payment Protocols

Harden your integration with idempotency, retries, rate limits, and error handling

Going to Production

Stable contracts for Agent API requests, responses, operations, and webhooks

API Reference

Shared request, response, pagination, and idempotency rules

Conventions

Endpoints

Self

GET /self

GET /self/usage

GET /self/limits

Capabilities

GET /capabilities

GET /capabilities.json

Account

GET /account

Assets

GET /assets

Protocols

GET /protocols

Balances

GET /balances

GET /balances/cash

Activity

GET /activity

Operations

GET /operations

GET /operations/{id}

Recipients

GET /recipients

GET /recipients/{id}

POST /recipients/resolve

GET /payments

POST /payments

GET /payments/{id}

One Off Payments

GET /one-off-payments

GET /one-off-payments/{id}

Withdrawals

POST /withdrawals/to-bank

POST /withdrawals/to-crypto

GET /withdrawals

GET /withdrawals/{id}

Withdrawal Methods

GET /withdrawal-methods

Deposit Methods

GET /deposit-methods

Deposit Address

GET /deposit-address

GET /earn

GET /earn/{id}

GET /earn/opportunities

POST /earn/deposit

POST /earn/withdraw

POST /earn/move

POST /earn/rewards/claim

GET /borrow

POST /borrow

GET /borrow/collateral

GET /borrow/collateral-options

POST /borrow/repay

POST /borrow/deleverage

POST /borrow/collateral/add

POST /borrow/collateral/remove

Conversions

POST /conversions/quote

GET /conversions

POST /conversions

GET /conversions/{id}

Trusted Destinations

GET /trusted-destinations

GET /trusted-destinations/{id}

DELETE /trusted-destinations/{id}

POST /trusted-destinations/{id}/confirm

POST /trusted-destinations/{id}/cancel

GET /recurring-payments

GET /recurring-payments/{id}

Simulate

POST /simulate

X402

POST /x402/sign

POST /x402/quote

POST /x402/purchase

Webhooks

GET /webhooks

POST /webhooks

GET /webhooks/{id}

PATCH /webhooks/{id}

DELETE /webhooks/{id}

POST /webhooks/{id}/rotate-secret

Compare the SDK, CLI, MCP, and raw HTTP and pick the right surface

Developer Tools

Typed client for agents and services built in TypeScript

TypeScript SDK

SDK Reference

Drive the Agent API from your terminal for scripting and one-off operations

CLI Command Reference

Connect MCP-compatible clients like Claude to Hightop

MCP Tool Reference

How the app, API, wallet, payment, earn, and borrowing systems fit together

Under the Hood

Architecture

The technical wallet architecture behind the Hightop account model

Wallet Model

Vaults, routing, and rebalancing behind Hightop Earn

Earn Under the Hood

Collateral and borrowing logic behind Hightop Borrow

Borrowing Under the Hood

Why key policies are enforced by code, not policy

Why Onchain Enforcement Matters

Resources

Key terms and concepts used throughout the docs

Glossary

Understand the main asset categories, rails, and venue families Hightop supports

`to`required	string
`asset`required	string
`note`	string
`unlock_delay_seconds`	number
`expires_in_seconds`	number
`amount`	string
`amount_usd`	string

/one-off-payments

Body