How HIFI Works

Last updated: February 3, 2026

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HIFI bridges traditional banking and blockchain networks through this core flow:

  1. Fiat In (Onramp) – Users deposit fiat (USD, etc.) into a Virtual Account (a dedicated bank account created by HIFI)

  2. Conversion – HIFI automatically converts fiat to stablecoins (USDC/USDT)

  3. Blockchain – Stablecoins are delivered to the user's custodial wallet on supported chains (Polygon, Ethereum, Solana, Base)

  4. On-Chain Operations – Transfer between wallets, bridge across chains, or swap stablecoins

  5. Fiat Out (Offramp) – Convert stablecoins back to fiat and send to bank accounts worldwide