HIFI Inflows, Outflows & Stablecoin Conversion Infrastructure

HIFI is a modular, API-native fiat on/off-ramp infrastructure platform that enables developers and enterprises to move value between traditional bank rails, card networks, and blockchain/stablecoin rails through a single integration.

Product Overview

HIFI decomposes the financial stack into composable building blocks — inflows, management, outflows, and programmable workflows — so platforms and fintechs can accept, convert, route, and settle funds across fiat and crypto rails without separate compliance tooling, custody providers, or payout processors. The platform has moved billions of dollars and serves clients from two-person startups to Fortune 100 enterprises.

Key Features

• Inflows: Accept deposits from bank rails (ACH, wire, RTP, SWIFT), card networks (debit, credit, prepaid), and blockchain wallets (USDC, USDT, USDG on Base, Polygon, TRON) under a single normalized data model
• Outflows: Global payout engine covering US domestic rails (ACH, Fedwire, RTP), international rails (SWIFT, PIX, SPEI, FPS, SEPA, PSE, Instapay, Pesonet, UPI, RTGS), card networks, and native stablecoin disbursements
• Embedded Compliance: KYC, KYB, AML screening, sanctions monitoring, and velocity limits built into every transaction — no third-party tooling required
• Visa Direct Partnership: Stablecoins move across Visa's global payments network
• Programmable Workflows: Conditional transfers, escrow flows, multi-party routing, and event-driven settlement
• Instant Stablecoin Conversion: Deterministic stablecoin-to-fiat and fiat-to-stablecoin conversion with full auditability

Use Cases

HIFI serves gig economy platforms, marketplace operators, fintech builders, and enterprises requiring global payouts, treasury automation, liquidity routing, cross-border remittance, payroll, insurance claims disbursement, and instant stablecoin conversion at scale.

Why Choose HIFI

SOC 2 Type II compliant, registered MSB with principal-agent bank partnerships via Cross River Bank (Member FDIC), and operated 24/7/365. The team brings expertise from Uber Payments, Mastercard, Visa, Block, and Google.