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. Under the hood, Hightop uses Underscore Protocol 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 that built Underscore Protocol. Hightop abstracts away most crypto complexity, including wallet infrastructure and gas, while keeping the important controls onchain in immutable, open-source smart contracts.

Set up one or more agents in Hightop, then define what each one is allowed to do. You can configure permissions, spending limits, approved recipients, asset and protocol restrictions, cooldowns, activation delays, and expiration windows.

Your agent does not need to live inside Hightop. The setup happens in Hightop, and your external agent then uses the API to request actions within those onchain rules.

Whatever you explicitly allow. Depending on permissions, an agent can pay approved recipients, create one-off payments, receive payments, move balances into Earn, borrow against collateral, buy and sell supported assets, rebalance positions, claim rewards, and execute approved strategies through the API.

Each capability can be turned on or off independently, so one agent can be narrow and operational while another can be more strategic.

Yes. Each agent gets its own configuration. For example, one agent can have a small daily budget for APIs and compute, while another can rebalance treasury positions or move idle cash into Earn.

Hightop also supports wallet-wide guardrails, so you can combine broad defaults with tighter per-agent settings.

Yes. You can set spending limits, permissions, approved assets, approved recipients, cooldowns, slippage limits, and payment timing.

You set the limits and permissions. If an action exceeds them, the smart contracts reject it before funds move.

Nothing goes through. Every action is checked onchain against the agent's active status, permissions, limits, payment rules, allowed assets, allowed protocols, approved recipients, cooldowns, and timing rules.

If any check fails, the transaction reverts and funds do not move.

Yes. Hightop supports both recurring approvals for trusted services and one-off payments. For recurring payments, you set recipients, caps, periods, cooldowns, and optional pull access.

For one-time or higher-risk payouts, small payments can be instant, while larger ones can be delayed and cancellable until they clear. Funds can keep earning until they are actually needed.

Yes. Agents can receive one-off payments or usage-based payments for the work they do, including x402-compatible flows over HTTP.

That makes Hightop useful not just for spending, but also for agents selling research, automation, data, or API-backed services.

x402 is an open payment standard built around HTTP 402 Payment Required, making internet-native payments easier for APIs and machine-to-machine services. It works especially well for pay-per-request and micropayments.

For Hightop, that means agents can both pay for services and get paid for services in a more API-native way.

When you deposit into Earn, your funds are deployed into established onchain yield markets where borrowers and strategies pay for access to liquidity. Hightop's AI autopilot handles the market selection, monitoring, and rebalancing for you.

Depending on the asset and strategy, it can route across approved markets like Aave, Euler, Moonwell, Morpho, Compound, Fluid, ExtraFi, 40 Acres, Spark, and Wasabi. It evaluates rates, liquidity, utilization, withdrawal risk, and rewards, then automatically rebalances and compounds when better risk-adjusted opportunities appear.

Borrowing in Hightop is powered by Ripe Protocol. You borrow against your assets, not your credit score, so there is no traditional approval process, paperwork, or waiting.

The team behind Hightop is also the team that built Ripe Protocol. Under the hood, Hightop can use productive collateral, which means eligible yield positions can keep working while they help support a loan.

Yes. Hightop includes built-in investing and swapping, so you can move between cash and supported crypto assets without juggling separate wallets or managing private keys yourself.

Under the hood, swap execution is powered by onchain venues like Aerodrome, Uniswap, and Curve. Your agents can also buy, sell, and rebalance supported assets through the API within the limits you set.

No, not in normal use. Hightop handles the wallet infrastructure behind the scenes and sponsors gas, so you do not have to think about seed phrases or gas fees for routine app usage.

Under the hood, the rules still live onchain in immutable, open-source smart contracts. You get blockchain-enforced control without the usual crypto UX burden.