HIFI users need to add on-ramp and/or off-ramp account(s) prior to making transfers.

On-ramping is the process that enables users to convert fiat currencies into cryptocurrencies. An on-ramp account will serve as the source of an on-ramp transaction.
Off-ramping is the process that allows the conversion of digital assets back into fiat currencies. An off-ramp account will serve as the destination of an off-ramp transaction.

1. On-ramp Account

An on-ramp account serves as a source, enabling users to convert fiat currencies into cryptocurrencies.

1.1 Add an USD Onramp (Plaid) Bank Account

To add an on-ramp account, HIFI and Plaid have partnered to enable you to use a Plaid processor token to add the user's bank account through the USD-Onramp-Plaid endpoint. To create a Plaid processor token for adding HIFI accounts, please follow this guide.

Request

curl --request POST \
     --url 'https://production.hifibridge.com/account/usd/onramp/plaid?userId=75d7c01f-5f93-4490-8b93-a62fd8020358' \
     --header 'accept: application/json' \
     --header 'authorization: Bearer zpka_123456789' \
     --header 'content-type: application/json' \
     --data '
{
  "accountType": "CHECKING",
  "plaidProcessorToken": "processor-sandbox-0asd1-a92nc",
  "bankName": "Chase"
}
'

Response

{
  "status": "ACTIVE",
  "invalidFields": [],
  "message": "Bank account added successfully",
  "id": "8caf905c-282b-4b0d-ba15-beac9c2aee92"
}

You can use the resulting account id as the source of an onramp transaction.

2. Off-ramp Account

An off-ramp account serves as the destination that allows the conversion of digital assets back into fiat currencies.

To add an off-ramp account, HIFI supports ACH and WIRE destination bank accounts for USD, and SEPA destination bank accounts for EUR.

2.1 Add an ACH destination bank account

To add an ACH destination bank account, you can pass the bank account details through the usd-offramp endpoint to get an off-ramp account ID, which serves as the destination of an off-ramp transaction.

Request

curl --request POST \
     --url 'https://production.hifibridge.com/account/usd/offramp?userId=75d7c01f-5f93-4490-8b93-a62fd8020358' \
     --header 'accept: application/json' \
     --header 'authorization: Bearer zpka_123456789' \
     --header 'content-type: application/json' \
     --data '
{
  "currency": "usd",
  "accountOwnerType": "individual",
  "bankName": "Demo Bank",
  "accountOwnerName": "John Doe",
  "accountNumber": "123456789",
  "routingNumber": "987654321",
  "streetLine1": "123 Demo Street",
  "streetLine2": "Apt 456",
  "city": "Demo City",
  "state": "CA",
  "postalCode": "90210",
  "country": "USA"
}
'

Response

{
  "status": "ACTIVE",
  "invalidFields": [],
  "message": "Account created successfully",
  "id": "daa6ad75-a4c2-486f-a937-1bbf4d19553a"
}

2.2 Add a WIRE destination bank account

To add an WIRE destination bank account, you call pass the account details through the usd-offramp-wire endpoint to get an off-ramp account ID, which serves as the destination of an off-ramp transaction.

Request

curl --request POST \
     --url 'https://production.hifibridge.com/account/usd/offramp/wire?userId=75d7c01f-5f93-4490-8b93-a62fd8020358' \
     --header 'accept: application/json' \
     --header 'authorization: Bearer zpka_123456789' \
     --header 'content-type: application/json' \
     --data '
{
  "currency": "usd",
  "accountOwnerType": "individual",
  "bankName": "Demo Bank",
  "bankIdentifierCode": "DEMOUS33",
  "iban": "DE89370400440532013000",
  "accountNumber": "123456789",
  "streetLine1": "123 Demo Street",
  "city": "Demo City",
  "streetLine2": "Apt 456",
  "state": "CA",
  "postalCode": "90210",
  "country": "USA",
  "businessName": "Demo Business",
  "firstName": "John",
  "middleName": "A.",
  "lastName": "Doe",
  "legalFullName": "John A. Doe"
}
'

Response

{
  "status": "ACTIVE",
  "invalidFields": [],
  "message": "Account created successfully",
  "id": "daa6ad75-a4c2-486f-a937-1bbf4d19553a"
}

2.3 Add a SEPA destination bank account

To add an SEPA destination bank account, you call pass the account details through the euro-offramp endpoint to get an off-ramp account ID, which serves as the destination of an off-ramp transaction.

Request

curl --request POST \
     --url 'https://production.hifibridge.com/account/euro/offramp?userId=%20' \
     --header 'accept: application/json' \
     --header 'authorization: Bearer zpka_123456789' \
     --header 'content-type: application/json' \
     --data '
{
  "accountOwnerType": "individual",
  "currency": "usd",
  "bankName": "Demo Bank",
  "accountOwnerName": "John Doe",
  "ibanAccountNumber": "DE89370400440532013000",
  "ibanCountryCode": "DE",
  "businessIdentifierCode": "DEMOUS33",
  "firstName": "John",
  "lastName": "Doe",
  "businessName": "Demo Business"
}
'

Response

{
  "status": "ACTIVE",
  "invalidFields": [],
  "message": "Account created successfully",
  "id": "daa6ad75-a4c2-486f-a937-1bbf4d19553a"
}

🎉 Congratulations. You have successfully added accounts to a HIFI user.

3. Ready for the next step?

After adding on-ramp and off-ramp bank accounts for the user, you can now do transfers. Learn more about how to do transfers.