How HiFi, the payments API for teams moving money at scale, routes stablecoin flows for fintechs, payroll providers, and Fortune 100 treasuries through Polygon’s settlement layer on the Open Money Stack.

HiFi is a payments and stablecoin infrastructure company whose APIs let businesses move, convert, and route money across stablecoins and bank rails. It routes a growing share of that volume, more than $227 million across 6 million+ transactions since January 2025, through Polygon’s Open Money Stack, so fintechs, payroll providers, and treasuries can move money across borders in seconds instead of days.

“Polygon was always a prime contender to move a large amount of workflows, due to the reliability of the chain, the nature of some of the programs Polygon has already run, and it being a payments-first vehicle from day one, which has always been incredibly helpful for our business.”

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Zach Walsh
CEO and Co-Founder, HiFi

When a business needs to move money across borders today, the payment lands on a fragmented patchwork of bank rails, from Swift to local providers in every market. Capital gets locked. Settlement takes days. And stablecoins, a step-function improvement in how value moves, still earn most of their utility inside the constraints of the financial system: AML and BSA compliance, guardrails and controls, licenses in every territory, banks and regulators to face off with. Every fintech that tries ends up rebuilding the same plumbing

“While moving money onchain is incredibly efficient, when you interact with the bank rails, it still becomes quite a challenging process.”
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Zach Walsh
CEO and Co-Founder, HiFi

HiFi is the software layer building on top of Polygon that lets teams interact with the chain seamlessly, for whatever they are building. A payments company converts dollars into Mexican pesos inside its payroll system. A Japanese conglomerate collects JPY, moves it into stablecoins, and disperses funds to its entities in the US and Europe. Neobanks, payroll providers, and cross-border payments companies pay invoices in Southeast Asia or collect in Mexico and pay suppliers locally. The end user sees something as simple as Venmo or a paycheck; the chain does the work under the hood.

Polygon is a core routing network for HiFi for specific reasons: enterprise-grade throughput that only a small set of chains can actually sustain, years in production that make it a trusted, battle-tested default, and a payments-first design that has matched HiFi’s core workload from day one. Teams building on HiFi never have to evaluate a chain; the rail is already there.

“Building on top of Polygon is like building on top of HTTP, the underlying code of the internet. It’s what everything runs on. HiFi is really the AWS that helps developers build out their financial products. Both need to exist alongside each other.”

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Zach Walsh
CEO and Co-Founder, HiFi

Since January 2025, HiFi has settled more than $227 million on Polygon across 6 million+ transactions, spanning payroll conversions, supplier payments, treasury flows, and neobank money movement. From here, the footprint grows: HiFi’s API supports tokenized real-world assets, and those assets increasingly settle on Polygon. Walsh expects stablecoins to grow from roughly $300 billion in market cap today to $3 to $5 trillion within five years, with the next generation of fintech products built on stablecoins as their underlying architecture.

“You want to look for someone who’s battle-tested, reliable, and true, and I think that’s something that you can absolutely see with Polygon, and even more specifically, our work with Polygon.”
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Zach Walsh
CEO and Co-Founder, HiFi

The bottom line: Polygon’s Open Money Stack gives HiFi a battle-tested, payments-first settlement rail, and HiFi gives hundreds of businesses a single API to build financial products on top of it.

See how Polygon powers stablecoin settlement and payouts at global scale. Explore the Open Money Stack or talk to our team.

HiFi is a payments and stablecoin infrastructure company founded in New York in 2022 by Zach Walsh and Mohamed Afifi. Its composable APIs let businesses move, convert, and route money across stablecoins and bank rails, from two-person startups to Fortune 100 treasuries and the US government. HiFi handles the routing, conversion, and compliance workflows so its customers can ship financial products faster.