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Use Hightop

Fund and Withdraw#

You need money in Hightop before agents can operate, and you need a way to move it back out when you want it elsewhere. Hightop gives you several ways in and a deliberately narrower path out.

Money can come in through linked bank accounts, manual bank-transfer instructions, third-party partners, or direct crypto deposits. Money can leave through your own connected bank accounts and your own approved Base addresses. Once funds are in Hightop, they sit in the same account your agents, Earn positions, and borrowing flows use.

This page covers the in-app funding and withdrawal workflow. For the deeper control model behind withdrawal destinations and delays, see Trusted Transfers. For the account and wallet model underneath the rails, see Wallet Model.

The home surface exposes Add Funds once the account is ready to receive money.

The Mental Model#

  • Add Funds brings new capital into your Hightop account.
  • Withdraw moves capital back out to your own approved destinations.
  • Inbound paths are flexible. You can connect a bank, push funds in manually, use a partner like Coinbase or MoonPay, or receive crypto directly.
  • Outbound paths are stricter. You do not paste a fresh bank account or wallet address at send time. You prepare destinations first, then withdraw only to active ones.
  • New withdrawal destinations are delayed on purpose. That is part of the same high-trust model described in Trusted Transfers.

Add Funds#

When you open Add Funds, the app presents three main inbound paths on one screen:

  • connected bank accounts
  • deposit partners
  • a direct crypto receive flow

Add Funds groups connected banks, wire details, partner deposits, and direct crypto receive in one place.

Deposit from a linked bank account#

If you already have a bank account connected for deposits, it appears under Connected Banks on the Add Funds screen. Tapping it opens a Deposit Amount screen with the bank name, masked account label, a number pad, and quick amount chips.

Hightop treats this as a bank pull into your account. You can either type an amount or tap one of the preset amount pills for $50, $100, or $250. After you tap Initiate Transfer, the app creates the transfer and sends you to activity tracking. In the activity feed, the transfer appears as a move from your bank into USDC Core, usually with a pending state and an estimated arrival date.

If the app needs identity or bank-transfer verification before deposits can proceed, it routes you through those steps first. If the bank authorization has expired, the flow sends you back to Add Funds so you can reconnect and try again.

After a bank deposit is initiated, the activity detail shows the source, destination, amount, and related actions.

If you do not yet have a linked bank, you can start from Add Funds or go through Account -> Bank Accounts -> Add Bank.

Bank-account linking is currently enabled only for US users. For eligible accounts, the flow is:

  1. enter the mailing address associated with the bank account
  2. if needed, verify a phone number and address so bank transfers can be enabled
  3. continue into Plaid
  4. select the bank account to link
  5. return to Hightop for a confirmation screen

After linking, the bank account appears in Hightop as an external connection. That does not automatically make it an active withdrawal destination. Deposits and withdrawals are configured separately.

Bank linking starts with address details before continuing into Plaid account selection.

Send money in manually from your bank#

When your account is eligible, the bank section can also show Wire Money In. This opens a screen with the bank details Hightop gives you for incoming transfers, including:

  • account holder name
  • routing number
  • account number
  • beneficiary address
  • bank name
  • bank address
  • Swift code when relevant

Use that screen when you want to push money into Hightop from your bank instead of letting Hightop pull it.

Wire Money In shows the account, routing, beneficiary, bank, and micro-deposit details needed for a manual transfer.

Use a deposit partner#

Hightop also surfaces partner-based deposits through Coinbase and MoonPay. These are third-party checkout flows, not native Hightop screens end to end.

At the top of the partner list, you can filter by payment method to narrow which partners appear. Available methods include Apple Pay, card, and ACH. MoonPay adds PayPal and Venmo.

You tap a partner, Hightop shows a short redirect sheet, then opens the partner flow in an in-app browser. The partner handles checkout and sends the purchased assets into your Hightop wallet.

If your Hightop wallet has not been created yet, the app first shows an Enable Deposits step. That is a one-time setup so there is an address for the partner to send to.

Partner deposits either redirect to a third-party checkout or ask you to enable deposits before continuing.

Receive crypto directly#

If you tap Deposit crypto directly, Hightop switches into a direct receive flow:

  1. choose the asset you want to receive
  2. choose the blockchain
  3. review the receive address and QR code

The blockchain step is intentionally opinionated:

  • If the asset is not USDC, the app only offers Base.
  • If the asset is USDC, the app offers Base plus other supported networks like Ethereum, Solana, Arbitrum, Avalanche, Optimism, Polygon, and Stellar.
  • Non-Base USDC receive flows are gated behind one-time identity verification through Bridge, a Stripe company that provides the bank-rails and cross-chain USDC infrastructure Hightop connects to. Bridge also backs bank-account linking and bank-wire deposits described elsewhere on this page.

The receive-asset list is also curated. All standard account assets are supported, but RIPE is excluded from this direct receive flow.

On the address screen, Hightop shows the selected asset and network, asks you to verify them, and then shows the receive details with a QR code plus copy and share controls. The app explicitly warns you to send only that asset on that network and to test with a small amount first.

For USDC on supported non-Base networks, the receive address can differ from your Base wallet address. Use the exact address the app shows and copies for the asset and network you selected.

Direct crypto deposits walk through asset selection, blockchain selection, and the receive address with QR code.

Prepare Withdrawal Destinations#

Before you can use Withdraw, you need at least one active destination. Destination setup happens in Account settings, not inside the withdrawal flow itself.

That matters because by the time you reach Withdraw, you are choosing from destinations you already reviewed and activated.

Pending destinations can still appear in the destination lists, but selecting them opens their setup sheet instead of letting you withdraw to them. Only active destinations are usable in Withdraw.

Set up a bank account for withdrawals#

Bank accounts live under Account -> Bank Accounts. This screen is not just a list of linked banks. It is the control panel for which banks are deposit-capable, withdrawal-capable, or still waiting on setup.

The important distinction is:

  • a bank account can be connected for deposits
  • that same bank account can still require a separate withdrawal setup step

If withdrawals are not ready yet, opening the bank account sheet gives you actions like Set Up Withdrawals or Confirm Withdrawals Setup. The app starts a high-trust approval flow tied to that bank account's withdrawal destination, backed by Bridge on the bank-rails side. After the waiting period ends, you come back and confirm the setup. Both setup and confirmation go through the app's protected authentication flow. Only then does the bank account become an active destination in Withdraw.

While the destination is pending, the app shows a visible countdown for how long remains before confirmation is allowed. That makes the delay explicit instead of hiding it behind vague status text. The setup and confirmation steps use the same security model behind Trusted Transfers: new destinations do not become active immediately.

Bank account sheets show deposit and withdrawal capability, including pending setup and confirmation states.

Set up a crypto address for withdrawals#

Crypto withdrawal addresses live under Account -> Crypto Addresses.

Hightop only accepts Base addresses here. The add flow is:

  1. give the address a nickname
  2. paste the address
  3. confirm that it is a Base address, not a lookalike on another chain
  4. start the add flow
  5. wait for the delay to pass
  6. come back and confirm the address

The verification language is strict for a reason. The app explicitly warns against confirming addresses that only exist on other chains. It also treats address activation as a delayed, high-trust action rather than something that becomes usable immediately. The initial add step and the later confirmation step are both protected actions. Pending addresses show a countdown until confirmation is available.

Crypto address setup requires a nickname, Base address review, and a confirmation step before the destination is active.

Withdraw#

Once you have at least one active destination, the actual Withdraw flow is short:

  1. choose the destination
  2. choose the asset you want to remove
  3. enter the amount
  4. review and swipe to submit

Withdraw starts by choosing an active destination, then entering the amount and source asset.

The review step behaves a little differently depending on the destination type:

Bank withdrawal

If you withdraw to a bank account, the confirmation screen shows the destination bank and account label. If the asset you selected is not already USDC, the app inserts a conversion row before the destination row. If your entered amount would leave behind less than one cent of the source asset's USD value, the app rounds up and withdraws the full remaining amount instead.

Crypto withdrawal

If you withdraw to a Base address, the confirmation screen shows the address alias and full address. The app keeps the warning posture here too: it tells you to send a small amount first and asks you to verify the address before the final swipe.

If biometrics are enabled on your device, the app authenticates you before it signs and submits the withdrawal. After submission, the app returns to the main app surface and shows a live transaction banner while the transfer executes.

Withdrawal review changes by destination: bank withdrawals can include conversion, while crypto withdrawals emphasize address verification.

What to Expect After You Submit#

Bank deposits usually show up in activity first as pending transfers, often with an estimated arrival date. Crypto deposits and partner-funded deposits land into the same Hightop account and appear in your balance once the inbound transfer completes.

If a bank deposit fails, the activity entry updates to show the failure and, when available, the reason. No funds are moved into your Hightop balance.

Withdrawals show up immediately as submitted activity and trigger the app's live transaction banner while the transfer is executing.

Where to Go Next#

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