Hightop Information

Hightop is building the money layer for AI agents. Hightop gives autonomous software a safe way to use money. Humans use the app to fund accounts, set permissions, approve recipients, define budgets, choose payment paths, and monitor activity. Agents use the API to execute inside those boundaries: pay for compute, inference, data, APIs, vendors, and other agents; receive payments; earn on idle capital; borrow working capital; and rebalance supported assets. The core idea is execution rights without custody. Agents can act with real money, but they do not get private keys, unrestricted wallet access, or the ability to widen their own permissions. Key limits are enforced onchain by open-source smart contracts, not just backend policy. Hightop runs on Underscore and Ripe, an open-source protocol stack for programmable wallets, payments, AI-managed yield, and multi-collateral lending. Together, they make Hightop one coherent money account for humans and AI agents.