HIFI

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COMPANY detail

HIFI
Infrastructure for Money

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HIFI

Company Overview.

Year Founded 2022
Status Private
Specialties Payment Infra, FX Infrastructure
Company Size 11-50 Employees
Industry Financial Services
Location New York, USA

Description.

HIFI is a B2B infrastructure platform that enables developers and businesses to build financial products with programmable stablecoins. Their modular platform provides APIs for inflows (deposits from banks, cards, wallets), outflows (payouts to banks and wallets), management (custody, swaps, bridges), and workflows (embedded financial logic). The company serves businesses ranging from startups to Fortune 100 companies, powering treasury automation, global payouts, marketplace settlement, and liquidity routing.

The company operates under HIFI Bridge, Inc. and HIFI Financial Technologies, Inc., with banking services provided through Cross River Bank, Member FDIC. HIFI holds MSB (Money Services Business) registration and maintains SOC 2 Type II certification, positioning them as a regulated infrastructure provider for the digital asset ecosystem.

Key Infrastructure.

Inflows
Inflows
Entry layer accepting deposits from banks, cards, wallets, and blockchain addresses with embedded KYC/AML and conversion logic
Workflows
Workflows
Embed financial behavior directly into funds - usage-priced money, collaborative payments, event-driven transfers, perishable money
Outflows
Outflows
Programmable payouts to banks, cards, and wallets via ACH, SWIFT, RTP, Fedwire with real-time status tracking
Private Transactions
Private Transactions
Permissioned transfers on Canton Network enabling confidential settlement between approved institutional counterparties
Management
Management
Value operations including token swaps, cross-chain bridges, split routing, and rebalancing across custodial and on-chain environments
Virtual Accounts
Virtual Accounts
Named deposit accounts for receiving bank transfers with automatic reconciliation

Additional Features.

Multi-Currency
Supports USD, EUR, GBP, NGN, MXN and 15+ fiat currencies for on/off ramps
Escrow Flows
Conditional releases requiring approval steps before funds are disbursed
Real-Time Reconciliation
Automated deposit telemetry, transaction tracking, and ledger entry creation
Batch Processing
High-volume batching for marketplaces and platforms with bulk transaction handling
Split Routing
Distribute funds proportionally across multiple wallets in a single atomic transaction
Approval Rules
Define transaction limits, velocity controls, and multi-party authorization requirements

General Questions.

HIFI provides B2B infrastructure for programmable money using stablecoins. Their API platform enables businesses to build payment flows including inflows (deposits), outflows (payouts), treasury automation, and custom financial workflows with embedded logic.

Their clients range from two-person teams to Fortune 100 companies, including fintechs, marketplaces, and businesses needing global payouts and treasury management. Specific client names are not disclosed.

Yes, they are registered as an MSB (Money Services Business) with NMLS IDs (31000291097076 for HIFI Bridge, Inc. and 31000320157395 for HIFI Financial Technologies, Inc.). Banking services are provided through Cross River Bank, Member FDIC.

They support multiple blockchains including Ethereum, Polygon, Base, Solana, and Stellar. Supported stablecoins include USDC, USDT, and USDG. They also support fiat currencies including USD, EUR, GBP, NGN, MXN and 15+ others.

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