From Traditional Banks...
These banks use your savings to provide funds for things like mortgages, and pay you a small portion of the interest they generate from those loans. Old technology and bloated systems mean you earn mere pennies.
Hightop - Banking for the crypto generation
Big APY
Big Heart
Big Bank
Full-service financial experience
Direct access to high DeFi yields
10% of our revenue to charitable causes
Up to 3% crypto cashback
Your future-proof bank replacement.Your future-proof bank replacement.
Your future-proof bank replacement.Your future-proof bank replacement.
How do you make money in DeFi? Just like traditional banks deliver interest payments by lending out your dollars, you can earn interest by lending out your money in cryptocurrency exchange markets called DeFi (short for decentralized finance).
To DeFi...
DeFi runs on the same blockchain technologies that enable crypto and NFTs—secure, public, and efficient ways to create and store data. Fewer middlemen and better technology mean higher returns, directly in your pocket.
And Your Future
Until now, you had to be a “crypto-native” with lots of tech knowledge and time to access the high yields of DeFi. We've changed that: all you have to do is download our app, and you can put your money to work with just a few taps.
Earn
Life is better
with more
Hightop gives you direct access to the best yields of decentralized finance (DeFi). Choose your own path, and start earning yields.
Give
Where money
meets purpose
We donate 10% of our revenue to world-changing causes you choose. Have a cause you care about? We'd love to hear more.
Spend
A complete bank
replacement
Our Cash Account is a FDIC-insured banking experience built for your daily life. Buy lunch, pay rent, deposit your paycheck, and earn rewards—your Hightop Cash Account can do it all.* Hightop is a tech company, not a bank. Banking services and FDIC Insurance are provided by our banking partner, Evolve Bank & Trust.
Rewards
Generous rewards
for healthy habits
Earn up to 3% crypto cashback with every swipe of your Hightop Visa card. Plus, earn rewards for saving, giving, and learning.
We believe.We believe.We believe.We believe.We believe.We believe.
We believe.We believe.We believe.We believe.We believe.We believe.
financial freedom is a right, not a privilege.
in putting purpose before profit.
in rewarding healthy financial choices.
DeFi is the next great financial equalizer.
you can fall in love with DeFi.
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What people are saying
App Store
Great app and UX, looking forward to the advancements this brings to crypto.
The app is the future of banking.
This app lets the everyday user access crypto and DeFi protocols.
All I can say is WOW.
This is the beginning of the end for traditional banking.
Can't beat the yield I'm getting.
A new way to bank! I can instantly earn a high yield on my deposits.
This will blow your minds!
Amazing app that helps me store my crypto currencies.