> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hifi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# HIFI Wallet

> Provision managed, multi-chain wallets for a user and read their on-chain balances.

A HIFI Wallet is a managed wallet HIFI provisions and secures on behalf of a user - one per chain. It's the on-chain balance a user's stablecoins live in - funded by deposits or onramps and drawn down by offramps or on-chain transfers.

<Info>
  The wallet providers HIFI works with manage the private keys for security and regulatory compliance. This enables features such as account recovery and compliance monitoring, while users still retain full control over their funds through HIFI’s API.
</Info>

## What you can do with a HIFI Wallet

A HIFI Wallet is the on/off-ramp for everything else a user does on-chain. Once a user has a wallet, it can act as the source or destination for:

* **Onramp** - convert fiat into the wallet as stablecoins.
* **Offramp** - convert the wallet's stablecoins to fiat and disburse globally.
* **Crypto Transfer** - send stablecoins on-chain to another HIFI wallet or an [external wallet](/v3/core/wallets/external-wallet), including batched transfers to multiple recipients at once.
* **Swap** - convert between stablecoins held in the wallet (e.g. USDC → USDT).
* **Bridge** - move the same stablecoin from this wallet to a wallet or external wallet on a *different* chain.

## Provision a wallet

Create a wallet for the user on all the chains supported by HIFI

**Request**

```shell theme={null}
curl -X POST https://sandbox.hifi.com/v3/users/usr_x1y2z3/wallets \
  -H "Idempotency-Key: <unique-key>" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -d '{ "chains": ["POLYGON", "ETHEREUM", "TRON"] }'
```

**Response**

```json theme={null}
{
    "data": [
        {
            "id": "wlt_fkc0E4OsfHWZPNXiPhj4q",
            "userId": "usr_iGSSehJJwKGY38hhc8py3",
            "chain": "POLYGON",
            "address": "0xEBf25E3eCA55Cf4300b637c0569fB6995DEb8153",
            "createdAt": "2026-07-24T22:03:10.923Z",
            "updatedAt": "2026-07-24T22:03:10.923Z"
        },
        {
            "id": "wlt_IhAKCJ16xEcYkAzqIVqnu",
            "userId": "usr_iGSSehJJwKGY38hhc8py3",
            "chain": "ETHEREUM",
            "address": "0x94AFE8D964Af80086d81B1b0F67504eA864482de",
            "createdAt": "2026-07-24T22:03:11.006Z",
            "updatedAt": "2026-07-24T22:03:11.006Z"
        },
        {
            "id": "wlt_EQ0ElMR5x4qRy0P38jFRJ",
            "userId": "usr_iGSSehJJwKGY38hhc8py3",
            "chain": "TRON",
            "address": "TBRPmgBL32FuZGuPffWqN4XfWKQ6S8ReB8",
            "createdAt": "2026-07-24T22:03:14.726Z",
            "updatedAt": "2026-07-24T22:03:14.726Z"
        }
    ],
    "pagination": {
        "hasMore": false,
        "startCursor": "wlt_fkc0E4OsfHWZPNXiPhj4q",
        "endCursor": "wlt_EQ0ElMR5x4qRy0P38jFRJ"
    }
}
```

<Info>
  A user can only have one wallet per chain. If any requested chain already has one, the whole request fails with `RESOURCE_CONFLICT` (409) - nothing is provisioned, even for the chains that didn't conflict.
</Info>

## Retrieve a wallet's balance

Reads the *live* on-chain balance for a currency - useful right before quoting or initiating a transaction to confirm funds have actually settled.

### Example: Retrieve a wallet's USDC balance

Passing `currency=USDC` as the query params to retrieve the USDC balance

**Request**

```shell theme={null}
curl -X GET https://sandbox.hifi.com/v3/users/usr_x1y2z3/wallets/wlt_fkc0E4OsfHWZPNXiPhj4q/balance?currency=USDC \
  -H "Authorization: Bearer YOUR_API_KEY" \
```

**Response**

```json theme={null}
{
    "balance": "0",
    "displayBalance": "0",
    "tokenInfo": {
        "tokenAddress": "0x41e94eb019c0762f9bfcf9fb1e58725bfb0e7582",
        "standard": "ERC20",
        "name": "USDC",
        "symbol": "USDC",
        "decimals": 6
    }
}
```

<Info>
  `balance` is the raw onchain balance (unformatted); `displayBalance` is the balance formatted to the corresponding decimal places.
</Info>

## Retrieve a wallet's deposit history

Get a list of incoming deposits for supported assets for a given wallet.

### Example: Retrieving all USDC Deposits

**Request**

```shellscript theme={null}
curl -X GET https://sandbox.hifi.com/v3/users/usr_Cu7daJpEqY6gIAzG30R9s/wallets/wlt_ETUnJO1R8j9hDlthRnqNp/deposits?currency=USDT \
  -H "Authorization: Bearer YOUR_API_KEY" \
```

**Response**

```json theme={null}
{
    "data": [
        {
            "id": "760d0d4d-0b31-5bf9-8e75-61d5eaf1a679",
            "userId": "usr_Cu7daJpEqY6gIAzG30R9s",
            "createdAt": 1784926651388,
            "updatedAt": 1784926651388,
            "wallet": {
                "id": "wlt_ETUnJO1R8j9hDlthRnqNp",
                "address": "0xE153A986dE3E910E1221cC554a908a57abDd3a8f",
                "chain": "ETHEREUM"
            },
            "transaction": {
                "transactionHash": "0x7abebe03abbe08030435c1d567b11fb03fc6cedd467c5267c9b7ae395dba6fee",
                "chain": "ETHEREUM",
                "currency": "USDT",
                "status": "COMPLETED",
                "sourceAddress": "0x49042c4A9141A0bF388C07d971098E59D13D80c3",
                "destinationAddress": "0xE153A986dE3E910E1221cC554a908a57abDd3a8f",
                "contractAddress": "0x5532B426Bb07Bf73E2e28c106b6a593e7797f07E",
                "amount": 499.5,
                "unitAmount": "499500000"
            }
        }
    ],
    "pagination": {
        "hasMore": false,
        "startCursor": "760d0d4d-0b31-5bf9-8e75-61d5eaf1a679",
        "endCursor": "dep_gO38BgTY7bV4h9VWWtxGQ"
    }
}
```

<Info>
  Incoming deposits are also sent out via webhook messages, subscribe to receive real-time updates.
</Info>

## Getting Help

* 📧 **Email:** [support@hifi.com](mailto:support@hifi.com)
* 💬 **Slack:** Message us in our shared Slack channel

## Related Resources

* [Wallets Overview](/v3/core/wallets/overview) - Wallets resources
* [External Wallet](/v3/core/wallets/external-wallet) - Manage externally owned wallets
* [Deposit Offers](/v3/core/wallets/deposit-offers) - Accept/reject Canton transfers