HIFI scales stablecoin developer infrastructure with Circle Payments Network
CPN makes it possible for us to reach new corridors faster because the rails and partners are already there.”
The next generation of financial applications, from remittance and payroll to marketplace payouts and treasury workflows, is being built on stablecoin rails. But developers building stablecoin-native products still have to coordinate wallets, payment orchestration, fiat endpoints, local rails, banking partners, and compliance workflows. Each new market expansion requires separate integrations, new partnerships, and custom infrastructure development.
HIFI helps abstract that complexity. It gives developers a platform to program money, build complex financial workflows, and launch new fintech products, so builders can ship stablecoin-native financial applications without having to create and operate the underlying financial infrastructure themselves. HIFI's customers range from Fortune 100 companies to the fintechs building the next wave of stablecoin-native products.
Being stablecoin-native gives HIFI structural advantages — speed, programmability, and global reach from day 1 — but stablecoins alone don’t solve the fiat connectivity challenges. To give developers a real production-grade platform, HIFI still needs to provide fiat on/offramps, banking relationships, and regulatory coverage in the markets its customers want to reach. Scaling that coverage through traditional means — licensing, direct bank integrations, local entity buildout — could take up to two years and cost between $500,000 and $2 million per market.
For HIFI, Circle Payments Network1 (CPN) offers a faster path through that bottleneck. By connecting HIFI to a global network of banks, payment providers, and virtual asset service providers for compliant money movement, CPN helps HIFI expand market coverage faster without needing to first build every connection from scratch.
How HIFI opened new payment routes faster through CPN
HIFI’s platform has always been stablecoin-native, with fiat rails like ACH, SWIFT, and RTP layered in as on/offramps so developers can move between cryptocurrency and local currency wherever their users are. To extend that fiat coverage globally without slowing down, HIFI integrated CPN, enabling rapid expansion into new markets.
There’s only 1 unified CPN interface, and then the configuration, the request, the response — all are predictable.”
With CPN underneath, HIFI can now extend into new markets through a single network connection rather than negotiating and integrating partners 1 market at a time. CPN provides pre-established regulatory compliance frameworks and banking relationships that HIFI can leverage, while offering standardized APIs that connect seamlessly to HIFI's developer platform. In other words, the developer experience stays the same — 1 API — while the reach behind it expands.
Building direct fiat coverage country-by-country — through local licensing, banking partners, and compliance infrastructure — is a multi-year, multi-million-dollar effort per market. For a developer infrastructure company, that's not a realistic path to global scale. CPN changes this.
Circle Payments Network lets us build once and reach every corridor on the network.”
By integrating CPN, HIFI can turn on a new route in roughly 3 months through a single network connection, rather than running bespoke integrations on a per-market basis. And with CPN, the developer experience on HIFI stays consistent across every route the platform adds.
For developers building on HIFI, this means new markets go from requiring multi-quarter integration projects to being automatically available in the API. That means a team building a remittance app, a global payroll platform, or a marketplace payout system can launch in a new country as soon as HIFI lights up the route via CPN — no new vendors to evaluate, no additional compliance work, no change to their integration. The team’s users get faster payouts in more places — including Brazil, Mexico, Nigeria, and Hong Kong. They get to keep shipping products instead of stitching together payment rails.
Broader coverage proven at scale
With CPN, HIFI expanded coverage for its customers and gained access to corridors and markets it would have struggled to reach on its own. That broader reach made HIFI more competitive in go-to-market conversations — increasing sales — especially when customers compared providers on geographic coverage, speed, and economics.
As of March 2026, HIFI has processed more than $100 million through CPN and more than $500 million in USDC across remittances, payroll, marketplace payouts, and business-to-business cross-border payments. HIFI supports hundreds of thousands of transactions per month across more than 150 countries through a mix of rails, including push-to-card, mobile money wallets, bank account transfers, SWIFT, and stablecoin settlement networks like CPN, and is running at more than $6 billion in annualized volume across all networks and distributors.
Global payment reach without rebuilding the stack
For the developers building on HIFI, the payoff is simple: 1 API, expanding global reach, and stablecoin-to-fiat movement built in. And as HIFI adds routes through CPN, those routes become available to every team already integrated — no additional work, no new vendors, no change to their stack. Teams that want to build financial applications on stablecoin rails can do so without also having to build a global payments company underneath.
With CPN embedded into HIFI’s platform, developers can access Circle-powered payment infrastructure through the same integration they already use. Together, HIFI and CPN help stablecoin-native financial products add compliant connectivity, expand market reach, and move money across borders faster.
1Circle Technology Services, LLC (CTS) is the operator of Circle Payments Network (CPN) and offers products and services to financial institutions that participate in CPN to facilitate their CPN access and integration. CPN connects participating financial institutions around the world, with CTS serving as the technology service provider to participating financial institutions. While CTS does not hold funds or manage accounts on behalf of customers, we enable the global ecosystem of participating financial institutions to connect directly with each other, communicate securely, and settle directly with each other. CTS is not a party to transactions between participating financial institutions facilitated by CPN who use CPN to execute transactions at their own risk. Use of CPN is subject to the CPN Rules and the CPN Participation Agreement between CTS and a participating financial institution.
USDC is issued by regulated affiliates of Circle. See Circle’s list of regulatory authorizations.
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