# 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.

## Key facts

- Users set limits, permissions, approved recipients, approved assets, protocol restrictions, cooldowns, and payment rules for each agent.
- Agents can pay, get paid, earn yield, borrow against collateral through Ripe-powered flows, and execute approved asset strategies through the API.
- Hightop handles wallet infrastructure and sponsors gas for normal app usage.
- Rules are enforced onchain by immutable, open-source smart contracts.
- Hightop uses Underscore Protocol under the hood for smart wallets, payment tools, AI-managed Earn vaults, and asset execution, with borrowing powered by Ripe Protocol.
- The team behind Hightop is also the team behind Underscore Protocol and Ripe Protocol.

## Important 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

## Deeper technical references

- Underscore Protocol: https://underscore.finance/
- Underscore Docs: https://docs.underscore.finance/
- Ripe Protocol: https://ripe.finance/

## Build an agent with Hightop

Humans use the app; agents use the Agent API (v1) at https://api.hightop.com (base path /v1/agent). Start here:

- 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

To get started you need a Hightop account, an agent, and that agent's API key (shown once when generated). Then authenticate with header-key (`x-agent-id` + `x-api-key`) or OAuth bearer.

## Contact

- Email: mailto:help@hightop.com
- X: https://x.com/hightop_hq

## More detail

- Full machine-readable summary: https://www.hightop.com/llms-full.txt

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## Documentation

- [Hightop](https://www.hightop.com/docs)
- [How Hightop Works](https://www.hightop.com/docs/start-here/how-hightop-works)
- [Security and Control](https://www.hightop.com/docs/start-here/security-and-control)
- [Payments](https://www.hightop.com/docs/use-hightop/payments)
- [Agent Permissions and Limits](https://www.hightop.com/docs/control-agents/permissions-and-limits)
- [API Overview](https://www.hightop.com/docs/api-and-integrations/api-overview)
- [Architecture](https://www.hightop.com/docs/under-the-hood/architecture)
- [FAQ](https://www.hightop.com/docs/resources/faq)
- [Audits](https://www.hightop.com/docs/resources/audits)

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