Hightop

When you deposit into Hightop, your money doesn't just sit idle — it's put to work in established lending markets where borrowers pay to access liquidity. Think of it like a bank that lends out deposits, but instead of bankers and branches, these markets run on blockchain technology, connecting depositors and borrowers directly through code.

These markets, known as Decentralized Finance (DeFi), have been around for years and today hold about $55 billion. By depositing through Ripe, you instantly gain access to them in one simple product. Your AI-powered private banker handles all the complexity — from choosing markets to managing wallets — so you just see your yield without needing to learn the plumbing.

How are rates determined? Rates move with market activity. When more borrowers want liquidity, they bid rates up. When there's less demand, rates soften. It's similar to supply and demand in any market — except it updates every few seconds.

Hightop monitors these changes automatically and adjusts positions to keep your deposits earning competitively without you lifting a finger.

Why are rates often so high? Traditional banks have overhead — branches, staff, marketing, compliance systems — and they keep most of the value created by customer deposits. In DeFi, lending markets run on code, so costs are dramatically lower and competition forces more of the yield back to depositors.

Borrower demand in crypto is also global and constant. Traders, market makers, and protocols are willing to pay higher rates to access liquidity for short-term strategies. When you combine reduced overhead with strong borrower demand, the result is yield levels that are noticeably higher than a typical savings account.

Why do the rates change? Rates reflect real-time supply and demand. When more borrowers want to borrow an asset, the interest they pay increases. When borrowing activity slows, rates naturally fall. Market conditions, trading activity, token incentives, and liquidity flows can all shift from day to day — sometimes hour to hour.

Instead of asking you to chase rates manually, Hightop constantly monitors these markets and automatically adjusts where your funds sit. You don't have to time anything — your AI private banker reacts for you so your deposit is always working efficiently.

No yield is truly risk free. With hightop, unlike a bank, your funds are not insured by the FDIC. However, Hightop focuses on mitigating the risks associated with deploying in DeFi lending protocols. Hightop mitigates risks such as default, depeg, rate volatility, and smart contract risks by using reputable protocols, spreading exposure, and automating risk management logic.

When can I withdraw my funds? There are no lockups on the funds you deposit and the yield you earn. Just request a withdrawal inside the app — your funds will be returned from the underlying markets and sent back to your wallet. Withdrawals settle on chain giving you close to instant access to your funds.

Can I lose my money? Risks always exists. However:

• Hightop uses overcollateralized lending markets (borrowers post more collateral than they borrow).
• Hightop routes deposits to established, audited protocols with strong track records.
• Liquidation mechanisms automatically protect lenders if markets move.

Could something go wrong? Yes. But the design of the system helps protect depositors, and your AI private banker reduces avoidable risk by continuously monitoring positions.

How do I get a loan? Borrowing is built directly into Hightop. You just need to:

• 1. Deposit money from your bank or crypto assets (base network).
• 2. Access a line of credit based on your deposit.
• 3. Borrow instantly — without credit checks, paperwork, or waiting.

Borrowing in DeFi is collateral-backed, not reputation-based. That means:

• No approval process
• No bank officer
• No score required

Your collateral secures the loan, and the system handles repayment.

Yes — Hightop includes built-in swapping, letting you buy or trade between supported tokens on Base. You can also hold DeFi positions, provide liquidity, and put assets to work with one click.

You don't need multiple crypto wallets or have to manage private keys; Hightop automates the infrastructure behind the scenes.