# Hightop

> Digital banking for AI agents, made simple for humans.

Hightop is a human-friendly mobile app for agent money. Humans use the app. Agents use the API.

## Positioning

Hightop lets agents execute with real money without ever giving them custody, private keys, or unrestricted access.

Users keep custody. Agents get execution within limits, permissions, and payment rules enforced onchain by immutable, open-source smart contracts.

Hightop abstracts away most crypto complexity for end users, including wallet infrastructure and gas, while keeping enforcement onchain.

## Product model

- Humans configure agent behavior in the Hightop app.
- External agents use the Hightop API to request actions.
- Smart contracts check every action against the configured policy before funds move.
- If any policy check fails, the transaction reverts.

## Core capabilities

### Agent controls

- Set up one or more agents in Hightop.
- Configure per-agent limits, permissions, approved recipients, approved assets, protocol restrictions, cooldowns, activation delays, and expiration windows.
- Combine wallet-wide defaults with tighter per-agent settings.

### Payments

- Recurring payments for trusted services such as APIs, data feeds, model providers, compute vendors, contractors, payroll recipients, and subscriptions.
- One-off payments for instant micro-transactions or larger reviewable payouts.
- Usage-based and one-off inbound payments for agents that sell services.
- x402-compatible payment flows for HTTP-native APIs and machine-to-machine services.

### Earn

- Earn Autopilot deploys funds into established onchain yield markets.
- Hightop's AI autopilot monitors rates, liquidity, utilization, withdrawal risk, and rewards.
- It automatically rebalances and compounds when better risk-adjusted opportunities appear.
- Supported/approved markets can include Aave, Euler, Moonwell, Morpho, Compound, Fluid, ExtraFi, 40 Acres, Spark, and Wasabi.

### Borrow

- Borrowing in Hightop is powered by Ripe Protocol.
- Users borrow against assets instead of applying through a traditional credit process.
- Eligible productive collateral can keep working while supporting a loan.

### Invest and swap

- Agents can buy supported assets, rebalance portfolio targets, and execute approved strategies through the API.
- Swap execution can route through onchain venues such as Aerodrome, Uniswap, and Curve.
- Investment actions still obey configured limits, permissions, and payment rules.

## Security and trust model

- Hightop is built on transparent, onchain smart-contract infrastructure rather than opaque balance-sheet custody.
- Funds live in visible wallets and contracts.
- Important rules and limits are enforced onchain.
- Hightop is not FDIC insured and DeFi is not risk-free.
- The difference from opaque centralized crypto platforms is that Hightop relies on open smart contracts and established overcollateralized markets rather than hidden rehypothecation or private bets with customer funds.

## Relationship to Underscore

- Hightop uses Underscore Protocol under the hood for smart wallets, payment tools, AI-managed Earn vaults, and asset execution.
- The team behind Hightop is also the team behind Underscore Protocol.

## Relationship to Ripe

- Borrowing in Hightop is powered by Ripe Protocol.
- The team behind Hightop is also the team behind Ripe Protocol.

## Official pages

- Homepage: https://www.hightop.com/
- Money for Agents: https://www.hightop.com/#money-for-agents
- Earn Autopilot: https://www.hightop.com/#earn
- Borrow: https://www.hightop.com/#borrow
- Invest: https://www.hightop.com/#invest
- How Agent Money Works: https://www.hightop.com/#how-agent-money-works
- FAQ: https://www.hightop.com/#faq

## Build an agent with Hightop

Humans use the app; agents use the Agent API (v1) at https://api.hightop.com (base path /v1/agent). To build an agent that operates a Hightop wallet:

- Read the live skill first (no auth, always current): https://api.hightop.com/v1/agent/skill.md
- OpenAPI spec: https://api.hightop.com/v1/agent/openapi.json
- Quickstart (first API calls with curl): https://www.hightop.com/docs/api-and-integrations/quickstart
- Copy-paste agent prompt: https://www.hightop.com/docs/api-and-integrations/prompt
- Developer Tools (compare CLI, SDK, MCP, raw HTTP): https://www.hightop.com/docs/api-and-integrations/developer-tools
- Install the CLI: `npm install -g @hightop/cli` (then `hightop --help`)
- TypeScript SDK: `npm i @hightop/sdk`
- MCP server endpoint: https://api.hightop.com/mcp
- Authentication: https://www.hightop.com/docs/api-and-integrations/authentication
- API Reference: https://www.hightop.com/docs/api-and-integrations/reference

Prerequisites: a Hightop account, an agent, and that agent's API key (shown once when generated). Authenticate with header-key (`x-agent-id` + `x-api-key`) or OAuth bearer. Every write moves real funds on Base and is enforced against the agent's onchain permissions and limits.

## Official references

- Hightop homepage: https://www.hightop.com/
- Underscore Protocol: https://underscore.finance/
- Underscore Docs: https://docs.underscore.finance/
- Ripe Protocol: https://ripe.finance/

## Contact

- Email: mailto:help@hightop.com
- X: https://x.com/hightop_hq
- Instagram: https://instagram.com/tryhightop
- YouTube: https://www.youtube.com/c/HightopHQ
- TikTok: https://tiktok.com/@hightop_hq
- Discord: https://discord.gg/hightop
- Medium: https://medium.com/hightop

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## Documentation

### Start Here
- [Hightop](https://www.hightop.com/docs)
- [How Hightop Works](https://www.hightop.com/docs/start-here/how-hightop-works)
- [Your Hightop Wallet](https://www.hightop.com/docs/start-here/your-hightop-wallet)
- [Security and Control](https://www.hightop.com/docs/start-here/security-and-control)

### Use Hightop
- [Agents](https://www.hightop.com/docs/use-hightop/agents)
- [Payments](https://www.hightop.com/docs/use-hightop/payments)
- [Fund and Withdraw](https://www.hightop.com/docs/use-hightop/fund-and-withdraw)
- [Earn](https://www.hightop.com/docs/use-hightop/earn)
- [Borrow](https://www.hightop.com/docs/use-hightop/borrow)
- [Convert](https://www.hightop.com/docs/use-hightop/convert)

### Control Agents
- [AI Agents](https://www.hightop.com/docs/control-agents/ai-agents)
- [Agent Permissions and Limits](https://www.hightop.com/docs/control-agents/permissions-and-limits)
- [Recurring Payments](https://www.hightop.com/docs/control-agents/recurring-payments)
- [One-Off Payments](https://www.hightop.com/docs/control-agents/one-off-payments)
- [Trusted Transfers](https://www.hightop.com/docs/control-agents/trusted-transfers)
- [If an Agent Goes Off-Script](https://www.hightop.com/docs/control-agents/off-script-actions)

### Getting Started
- [API Overview](https://www.hightop.com/docs/api-and-integrations/api-overview)

### Integrate
- [Build on Hightop](https://www.hightop.com/docs/api-and-integrations/build-on-hightop)
- [x402 & Machine Payments](https://www.hightop.com/docs/api-and-integrations/x402)
- [Recipes](https://www.hightop.com/docs/api-and-integrations/recipes)
- [Pay a Vendor](https://www.hightop.com/docs/api-and-integrations/recipes/pay-a-vendor)
- [Create a One-Off Payout](https://www.hightop.com/docs/api-and-integrations/recipes/one-off-payout)
- [Convert with a Quote](https://www.hightop.com/docs/api-and-integrations/recipes/convert-with-quote)
- [Move Funds into Earn](https://www.hightop.com/docs/api-and-integrations/recipes/move-into-earn)
- [Withdraw Funds](https://www.hightop.com/docs/api-and-integrations/recipes/withdraw)
- [Verify a Webhook](https://www.hightop.com/docs/api-and-integrations/recipes/verify-a-webhook)
- [Connect with MCP](https://www.hightop.com/docs/api-and-integrations/recipes/connect-with-mcp)
- [Use OAuth](https://www.hightop.com/docs/api-and-integrations/recipes/use-oauth)
- [Pay with x402](https://www.hightop.com/docs/api-and-integrations/recipes/pay-with-x402)
- [Going to Production](https://www.hightop.com/docs/api-and-integrations/going-to-production)

### Reference
- [Conventions](https://www.hightop.com/docs/api-and-integrations/reference/conventions)
- [Operations and Lifecycle](https://www.hightop.com/docs/api-and-integrations/reference/operations-and-lifecycle)
- [Errors](https://www.hightop.com/docs/api-and-integrations/reference/errors)
- [Webhooks](https://www.hightop.com/docs/api-and-integrations/reference/webhooks)
- [Rate Limits](https://www.hightop.com/docs/api-and-integrations/reference/rate-limits)
- [Capabilities & Artifacts](https://www.hightop.com/docs/api-and-integrations/reference/capabilities)
- [App-Only Actions](https://www.hightop.com/docs/api-and-integrations/reference/app-only-actions)
- [Endpoints](https://www.hightop.com/docs/api-and-integrations/reference/endpoints)

### Developer Tools
- [TypeScript SDK](https://www.hightop.com/docs/api-and-integrations/sdk)
- [CLI](https://www.hightop.com/docs/api-and-integrations/cli)
- [MCP](https://www.hightop.com/docs/api-and-integrations/mcp)

### Under the Hood
- [Architecture](https://www.hightop.com/docs/under-the-hood/architecture)
- [Wallet Model](https://www.hightop.com/docs/under-the-hood/wallet-model)
- [Earn Under the Hood](https://www.hightop.com/docs/under-the-hood/earn-under-the-hood)
- [Borrowing Under the Hood](https://www.hightop.com/docs/under-the-hood/borrowing-under-the-hood)
- [Why Onchain Enforcement Matters](https://www.hightop.com/docs/under-the-hood/why-onchain-rules-matter)

### Resources
- [FAQ](https://www.hightop.com/docs/resources/faq)
- [Glossary](https://www.hightop.com/docs/resources/glossary)
- [Supported Assets and Venues](https://www.hightop.com/docs/resources/supported-assets-and-venues)
- [Audits](https://www.hightop.com/docs/resources/audits)
- [Technical References](https://www.hightop.com/docs/resources/technical-references)

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