Inflows · HIFI

"message": "Virtual account created successfully",
"id": "cfbc005d",
"status": "activated",
"userId": "840c28f2",
"paymentRails": ["ach", "wire", "rtp"],
"sourceCurrency": "usd",
"destinationChain": "POLYGON",
"destinationCurrency": "usdc",
"walletAddress": "0xd102C413",
"bankName": "Bank of NoWhere",
"achRoutingNumber": "028000024",
"wireRoutingNumber": "021000021",
"createdAt": "2025-09-27T03:08:11.548Z"

Every inbound rail — bank transfers, cards, mobile wallets, blockchain addresses — resolves into one normalized model. Route, reconcile, and build on deposits without stitching together separate payment tools.

HIFI captures each deposit as programmable money, with fees, conversion, and settlement behavior defined at the point of entry.

Bank Interface

Bank-originated deposits, normalized at entry.

Accept deposits directly from bank accounts across domestic and cross-border rails. Deposits from ACH, wires, RTP, and SWIFT are captured and represented consistently, regardless of origin or clearing path.

Card Interface

Card-based funding with deterministic handling.

Accept debit, credit, and prepaid card deposits with rules applied at the moment funds enter the system. Limits, fees, holds, and conversion behavior are defined on entry, producing a consistent card inflow object.

Wallet Interface

Unified inflows from mobile and on-chain wallets.

Accept deposits from mobile wallets and blockchain addresses through a single inflow model. Wallet-originated value is normalized on entry, whether it arrives from consumer wallets or on-chain stablecoin rails.

Visit our documentation to get started with inflows across banks, cards and wallets.

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The entry pointfor value

Bank-originated deposits, normalized at entry.

Card-based funding with deterministic handling.

Unified inflows from mobile and on-chain wallets.

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