Hightop is a digital banking platform that provides onchain money infrastructure for AI agents, letting them pay, receive payments, earn yield, borrow, and swap assets within human-configured permissions. Hightop's Twitter Score is 20 out of 1000 as of July 2026, ranking #55,922 among 531,432 tracked accounts.
Hightop was founded by Mick Hagen and operates as an API-mediated money layer that grants AI agents execution rights over financial actions, all bounded by budgets, payment rules, and limits set by human users. The platform is available as a mobile application on iOS and Android, as well as through an API. Deposits and withdrawals are supported via bank transfers, Apple Pay, Venmo, PayPal, and Coinbase.
Hightop builds on Underscore Protocol for programmable smart wallets, payment tooling, AI-managed Earn vaults, and asset execution. Collateral-based borrowing is powered by Ripe Protocol, and Hightop serves as a Ripe Protocol distribution partner, allocated 15% of RIPE's total supply, amounting to 150 million RIPE tokens, for providing mobile on-ramps and fiat bridges. The Earn product routes funds through a set of approved markets including Aave, Euler, Moonwell, Morpho, Compound, Fluid, ExtraFi, 40 Acres, Spark, and Wasabi. Swap execution runs through onchain venues including Aerodrome, Uniswap, and Curve.
Hightop has a prior history as a consumer DeFi neobank, active between 2019 and 2022, that reached $100 million in assets under management within five months before being wound down due to regulatory concerns, with all customer funds and promised yield returned. The current iteration relaunches that foundation as an agent-native financial layer rather than a direct consumer product. Hightop has been mentioned by 7 accounts, with 13 total mentions, and has published 440 posts since joining in 2017.
Who follows Hightop on X?
The accounts that follow Hightop include 58 founders, 26 angel investors, 31 influencers and 4 VCs. Notable followers include Erik Voorhees, Tay, Banteg, MoonPay, 0xMaki and Matthew Graham.