# Hightop Finance — Everyone’s Private Banker > Non-custodial DeFi wallet with AI-powered yield optimization and borrowing. (iPhone/iPad app by Genesis Block, LLC.) - Source: https://appshunter.io/ios/app/hightop-finance/id1495538730 (this page in markdown: same URL + `.md`) - Developer: [Genesis Block, LLC](https://appshunter.io/developer/1491958928) - Category: Finance - Price: Free - Rating: 4.38/5 from 56 App Store ratings · 16 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 60 MB - Languages: English - Released: 2020-05-09 - Data updated: 2026-06-01 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/hightop-finance/id1495538730/reviews.md ## What is Hightop Finance? Hightop is digital banking for AI agents, made simple for humans. Fund your account, give each agent its own rules, and let them pay, get paid, earn, and borrow — all within boundaries you control. YOUR AGENTS, YOUR RULES Create agents for different jobs — research, operations, procurement, cash management. Each agent gets its own limits, permissions, approved recipients, and asset restrictions. Key boundaries are enforced onchain. Agents get execution rights, not custody. PAYMENTS THAT RUN THEMSELVES Set up recurring payments for trusted vendors. Send one-off payouts with built-in review windows. Get paid directly into your account. Your agents handle the day-to-day — you stay in control. EARN ON AUTOPILOT Idle cash doesn't sit still. Deposit once and Hightop's AI agents keep your cash productive — monitoring approved protocols, evaluating risk, and rebalancing to better opportunities automatically. No manual compounding. No reward claiming. Withdraw anytime. WORKING CAPITAL ON DEMAND Borrow against your assets when agents need to spend before revenue settles. One loan backed by your whole portfolio. Repay anytime — no fixed terms, no penalties. Your assets can keep earning while they back your loan. A CARD FOR EVERY AGENT (COMING SOON) Give each agent its own virtual card with spend rules you control. Auto-funded from Earn at the moment of purchase. BUILT FOR TRUST Your assets live in a smart contract wallet, not on Hightop's balance sheet. Rules are enforced by open-source smart contracts, not a private server. Every action is recorded and verifiable. You can revoke any agent instantly, at any time. FUND YOUR WAY Move money in with Apple Pay, bank transfers, ACH, or card. The same methods you already use. Hightop — humans use the app, agents use the API. ## Key features - Non-custodial wallet - AI-powered yield optimization - Full control over funds - Zero-cost transfers and claims - Borrowing against deposits ## Recent user reviews (10 of 16) All indexed reviews: https://appshunter.io/ios/app/hightop-finance/id1495538730/reviews.md ### 1/5 — Waitlisted Users Beware - Nothing Awaits *2022-05-10* Spent 6 months playing the puzzle only to be told the following after I sent an email inquiring: “Thank you for reaching out and for your support of Hightop, previously known as Genesis Block, so far! We appreciate all of our Waitlist users. We've decided to temporarily pause offering our in-app product due to a recent SEC ruling, and our choice to stay ahead of potential regulations. Our hope is that we can start letting users in from the waitlist in the near future. We hope to see you on the app at that time!” ### 1/5 — Can't create to wait *2022-04-08* Tried 3x to create an account to join the wait-list. Kept getting app errors. Yikes onboarding. Just trying to simply join a wait list. ### 5/5 — A new way to bank! *2022-01-11* I love how simple and easy the app is. I can make a deposit with my credit card (or bank) and instantly earn a high yield on it. Much better than any other financial product I have used in the past! **Developer response:** Thanks for your review! We look forward to sharing even more updates and perks in the near future. ### 5/5 — The money wheel is 😍 *2022-01-11* This app is simple and easy to use, and my favoritr part is the money ticker that shows your interest earnings rising… it’s addictive! **Developer response:** Thanks for your review! We look forward to sharing even more updates and perks in the near future. Until then, enjoy watching your money grow! ### 5/5 — Future of Banking *2022-01-11* Really love this product. Great APY that allows me to manage my crypto and cash account! **Developer response:** Hey Rach 123, we appreciate the review! We look forward to sharing even more updates and perks in the near future. ### 1/5 — Stick to BlockFi. They lock your account *2021-10-19* I thought this app was good and revolutionary but they ended limiting customers who have less than 25K in assets, and asks everyone to withdraw by the end of the month. Then they put everyone under review, including me. I had high hopes of this app and company but they are nothing but another PayPal, which I will seek business elsewhere. They don’t even have a lot of coins and they have too many limits in transferring and adding money. I would go to BlockFi. **Developer response:** We understand your frustration. Genesis Block maintains the same mission to unlock financial freedom and economic opportunity for everyone through the power of blockchain technology and decentralized finance. Like most in the industry, we're still trying to understand the best way to do that compliantly. So to play it safe, we had to pause the Early Access Program and temporarily limit services to accredited investors. We're working hard to grow our team, update the app, and take this technology to the masses. We've raised limits in the app, and will be releasing new perks (like rewards) soon! If you have any questions about when we will have a public launch, please email our team at help@genesisblock.com. We'll make sure you're one of the first to know. ### 5/5 — Highest yield and awesome UX! *2021-08-04* I seriously love logging into this app! I’ve been lucky enough to be one of the beta users since Nov of 2020. The team building it is super mission driven and extremely talented. The design, UX and banking features are intuitive and impressive. Can’t beat the yield I’m getting… Looking fwd to the public launch when I can increase my deposit (temporary limits during beta). **Developer response:** Thanks for your support this last year westoverj! We can't wait to take this app to the masses. We're working hard to grow our team, update the app, and release new features (like rewards). Keep following our Discord channel to hear updates, and share all your crazy crypto success stories! ### 5/5 — Great Experience *2021-07-07* I find myself beta testing many FinTech applications, and have used most crypto banking apps/accounts that are out there. Normally setup and KYC takes time (especially for those who live in territories of the US) but in 5 minutes I was able to setup the account, go through verification, order my debit card, connect bank accounts and fund the new GB account! If future features and build outs are this smooth Genesis Block will be one of the best crypto enabled banking apps for the masses out there. **Developer response:** Thanks for your review! We recently raised limits, and will be releasing more updates soon. We appreciate your support, and look forward sharing more perks with you. ### 5/5 — The future of personal banking *2021-06-17* I’ve been using Genesis Block for months now, and all I can say is WOW. The beautifully simple user experience is second-to-none, and the 8% APY savings is unmatched. I’m waving goodbye to CapitalOne and Amex as soon as GB is out of beta! **Developer response:** Thanks for being a customer at Genesis Block and sharing your experience. We just raised the limits and are now out of beta. We look forward to sharing even more updates and perks in the near future. Until then, enjoy watching that money ticker grow! ### 1/5 — No list of purchasable coins *2021-05-07* without giving me a preview of what coins i can hope to buy, you have killed my interest... btc and eth are obvious, but what others? their videos brag about superior UX... what UX is there if you can’t preview a list of buyable alt coins!!! **Developer response:** Hi there! Although it's on the roadmap, buying and exchanging coins is not a current feature on the app. Genesis Block is not an exchange, but a banking experience with spending and growth accounts. Our unique UX is that users can deposit assets in their growth account and earn high yields! We support the following assets: BIT, ETH, USDC, DAI, and USDT. If you have more questions about our high yields and growth accounts, please email us at help@genesisblock.com ## Frequently asked questions about Hightop Finance ### What security measures does Hightop use to protect user funds? Hightop is a non-custodial wallet, meaning only you have access to your funds. It abstracts DeFi complexities, allowing you to maximize yield from trusted blue-chip protocols while maintaining full custody. ### How does Hightop's AI Private Banker work? Your AI-powered Private Banker automatically optimizes yield on assets like USDC, ETH, and BTC from established DeFi protocols. You retain full custody and control over this agent. ### Are there any fees associated with using Hightop? No, Hightop offers zero fees for transfers, claiming rewards, and rebalancing your earn positions. You can earn money while you sleep without incurring additional costs. ### Can I borrow funds using Hightop? Yes, you can borrow against your deposits instantly with Hightop. The platform offers predictable and competitive terms for borrowing. ### What assets can I optimize yield on with Hightop? Hightop allows you to maximize yield on assets such as USDC, ETH, and BTC. These assets are optimized from safe and trusted blue-chip DeFi protocols. ### What devices is Hightop available on? Hightop is available on iPhone, iPad, and iPod devices, making it accessible to a wide range of Apple users. ### How often is Hightop updated? The latest version of Hightop is 0.4.1, and it was last updated on September 20, 2025. This indicates a commitment to ongoing development and improvements. ### What is the age rating for Hightop? Hightop has an age rating of 4+, making it suitable for a broad audience interested in managing their finances through DeFi. ## Version history (last 5 releases) ### 0.5.3 — 2026-05-23 Small bug fixes and improvements ### 0.5.1 — 2026-04-14 UI/UX improvements ### 0.4.1 — 2025-09-20 Small UI Improvements ### 0.4.0 — 2025-09-17 Bug fixes. ### 0.3.9 — 2025-05-12 Bug Fixes. ## Apps similar to Hightop Finance | App | Rating | Price | Category | | --- | --- | --- | --- | | [GameTime Wallet](https://appshunter.io/ios/app/gametime-wallet/id1594387713) | 4.7 (1,978) | Free | Finance | | [Parler Pay](https://appshunter.io/ios/app/parler-pay/id6741791303) | 4.7 (62) | Free | Finance | | [Dreamster Wallet](https://appshunter.io/ios/app/dreamster-wallet/id6599859054) | 5.0 (2) | Free | Finance | | [Zypto Crypto & Bitcoin Wallet](https://appshunter.io/ios/app/zypto-crypto-and-bitcoin-wallet/id6463755992) | 4.7 (51) | Free | Finance | | [Wallet: Crypto and DeFi](https://appshunter.io/ios/app/wallet-crypto-and-defi/id6449830088) | — | Free | Finance | | [MyTime Wallet](https://appshunter.io/ios/app/mytime-wallet/id1462392428) | 4.7 (48) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-01.*