HIFI Bridge

HIFI is a composable API platform that gives developers and financial teams the infrastructure to build stablecoin-native payment products — from remittances and payroll to marketplace disbursements and embedded finance — without standing up the underlying rails, compliance, and custody from scratch.

Core mechanism

HIFI organizes money movement into three programmable pillars: Inflows, Controls, and Outflows.

Inflows allow applications to accept deposits from bank accounts, cards, and crypto wallets. Virtual Accounts — persistent US dollar deposit addresses linked to Cross River Bank routing numbers — automatically mint stablecoins when fiat arrives, converting traditional bank deposits into on-chain assets in real time without developer intervention.

Controls define how capital flows internally: approval workflows, per-user spending limits, sanctions screening, and ongoing transaction monitoring. Compliance checks are embedded in the transaction lifecycle itself — counterparty verification and screening happen before and after funds move, not as an afterthought.

Outflows route payments to their final destinations: ACH, RTP, FedNow, FedWire, SWIFT, card disbursements, in-country rails (SPEI in Mexico, PIX in Brazil, CHATS/FPS in Hong Kong), or direct on-chain stablecoin transfers.

The platform supports four stablecoins for direct mint and redeem operations: USDC, USDG, PYUSD, and RLUSD — available 24/7, including weekends and bank holidays.

Solana and multi-chain settlement

HIFI supports native multi-chain operations across Ethereum, Polygon, Base, other EVM chains, Tron, Solana, Stellar, Ripple, and Canton. Solana is part of the platform's Circle Payments Network (CPN) integration: CPN enables stablecoin payouts to settle into local-currency bank accounts, and Solana is one of the three CPN-supported chains (alongside Ethereum and Polygon).

For cross-chain movements, HIFI uses Circle's Cross-Chain Transfer Protocol (CCTP), which burns USDC on the source chain and mints it natively on the destination chain — eliminating the slippage and wrapped-token overhead typical of bridge-style transfers. Developers can configure this as bridge-only, full end-to-end payout (automated bridge plus CPN settlement), or bridge-then-payout with additional business logic inserted between steps.

Developer-facing products

Beyond raw payment routing, HIFI bundles several infrastructure-layer products:

• Orchestration Addresses: Persistent wallets that automatically schedule offramps on arrival, enabling event-driven payment pipelines without polling.
• Batch transfers: Up to 50 recipients per transaction, suited to payroll runs and marketplace settlement cycles.
• Settlement Rules: Automated fee splitting across multiple wallets at settlement time — useful for platforms that collect platform fees and forward the remainder to vendors.
• Developer Fees: Configurable as a percentage or flat fee on USD offramps, credited to beneficiary wallets in stablecoin post-processing.
• Custodial wallets: HIFI-managed wallets across supported chains, or developers can register external wallets.
• Swaps and bridges: Exchange between supported stablecoins or move assets cross-chain in a single API call.

The API is RESTful with webhook-based event notifications, OpenAPI specifications in both v2 and v3, and a sandbox environment for testing with simulated transactions before going live.

Compliance infrastructure

HIFI is a registered Money Services Business (MSB) with principal-agent bank partnerships and holds SOC 2 Type II certification. KYC and KYB are integrated directly into the onboarding flow — the company cites KYC completions in minutes and KYB in hours. Screening and monitoring run inside the transaction lifecycle itself. Customer funds are segregated from HIFI's corporate balance sheet and held through Cross River Bank (Member FDIC).

Scale and coverage

As of early 2026, HIFI reports more than $6 billion in annualized volume, more than $500 million in total USDC processed, and more than $100 million moved through Circle Payments Network. The platform covers 150+ countries with stablecoin-to-local-currency settlement available in 60-plus countries.

Team and background

HIFI was co-founded by Zach Walsh, who serves as CEO. The company was previously branded as HIFI Bridge — its domain hifibridge.com now permanently redirects to hifi.com, reflecting a broadening from a pure bridging product to a full-stack payments infrastructure platform.

Solana ecosystem fit

For Solana specifically, HIFI's native multi-chain settlement stack gives enterprise developers and fintech teams a compliant, bank-backed path to settle stablecoin payouts on Solana's high-throughput, low-fee network without building custodial infrastructure, compliance workflows, or fiat off-ramp integrations in-house. The Circle CPN and CCTP combination means developers can accept funds in fiat or on any EVM chain and settle to Solana — or from Solana to fiat — through a single API integration.