MultiHopper is programmable onchain routing and abstraction infrastructure for regulated crypto payment rails — often described as SWIFT 2.0. It enables compliant, private value transfer on public blockchains like Solana without commingling assets.

How does MultiHopper's multi-hop routing work?

MultiHopper routes assets through predefined or randomized paths and timing, entirely onchain. You define the asset, amount, destination, hop count, timing variance, and compliance rules as programmable instructions. Smart contracts then execute the routing logic — no intermediary ever holds your keys, and funds remain self-custodied at every hop.

Is MultiHopper compliant with financial regulations?

Yes. MultiHopper is compliant by design. It supports selective disclosure to regulators while maintaining powerful onchain privacy from everyone else. An audit trail is maintained onchain, and selective regulatory disclosure is available on demand — with no commingling of assets, ever.

What blockchains does MultiHopper support?

MultiHopper is native to Solana, offering deep DeFi composability and institutional-grade throughput. EVM chain support is also part of the roadmap for broader programmable crypto routing across ecosystems.

What are the main use cases for MultiHopper?

MultiHopper serves three primary audiences: (1) Institutional Finance — corporate treasury, OTC trading, tokenized securities, cross-border payments, and fund operations; (2) Developers & Builders — programmable routing APIs, agent-ready execution, and white-label integrations; (3) Autonomous AI Agents — rule-based value movement, agentic treasury operations, and private agent payments.

How is MultiHopper different from SWIFT?

Just as SWIFT routes messages between banks, MultiHopper routes assets programmatically on public blockchain rails. Unlike SWIFT, MultiHopper is fully onchain, self-custodied, and non-custodial at every hop — while still offering the compliance and selective disclosure features that regulated institutions require.

What does "non-commingling" mean in MultiHopper?

Non-commingling means that assets are never pooled or mixed with other users' funds at any point during routing. Each hop is independent and isolated — no single observer can reconstruct the full route, and the recipient receives clean, unambiguous funds with a full onchain audit trail.

Can developers integrate MultiHopper into their applications?

Yes. MultiHopper offers a Programmable Routing API that lets developers build configurable multi-hop transaction flows into apps, wallets, protocols, or backends. It also supports API and embedded integrations without requiring a full product rebuild, and is agent-ready for AI-driven execution systems.

Welcome to “SWIFT 2.0”

Send Crypto,
Programmatically.

MultiHopper enables programmable onchain routing and abstraction infrastructure for regulated payment rails.

Compliant private value transfer on public blockchains... without compromising or ever commingling assets.

API launching Q2 2026 — sign up now to lock in your tier

Current tier

Tier 1

Day 1 Access

50 / 50 revenue share

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Tier 2

Week 1 Access

40 / 60 revenue share

2,000 spots

Tier 3

Standard Access

Standard terms

Unlimited

10 spots claimed490 remaining

Tier 1 closes when 500 spots are filled — next tier has worse terms

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Programmable Routing For

Institutional Settlement

Cross-border Payments

Payroll & Treasury

DeFi Protocols

Exchange Routing

Compliance Rails

Stablecoin Infrastructure

AI Agents

See it in action

Product Walkthrough: Transfers in 30 seconds through the busiest wallets onchain.

Use our "Easy Route" randomizer to transfer your assets with zero effort.

Design your routes and see what it looks like on blockchain explorers and Arkham

Design your routes, through any smart contracts and wallets onchain.

As Seen On

Programmable Routing

Every wallet onchain:
A programmable relay.

Assets hop programmably through any wallet, and smart contract onchain, regardless of who owns them, and without the signing authority of the intermediary wallets... before reaching their destination.

ORIGIN

Sender Wallet

7xK2…9mPQ

HOP 1

Compliance Gate

Selective Disclosure

+2.4s

HOP 2

Smart Contract

Relay Trigger

+4.1s

HOP 3

Abstraction

••• ••• •••

DEST

Receiver Wallet

Asset Delivered

Asset flow

Public path (traceable)

Abstracted Onchain (private)

ORIGIN

Sender Wallet

7xK2…9mPQ

HOP 10s

Compliance Gate

Selective Disclosure

HOP 2+2.4s

Smart Contract

Relay Trigger

HOP 3+4.1s

Abstraction

••• ••• •••

DEST

Receiver Wallet

Asset Delivered

Asset flow

Public path

Abstracted

Routing, Timing: Programmable.

Set conditional delays, release triggers, and timed settlement logic directly onchain — no custodian required.

Transparent Opacity

Assets remain traceable but abstracted. Full audit trail intact; Routing and distribution engine confuse human and ai observers.

Regulatory Readiness

Selective disclosure hands regulators exactly what they need — nothing more, nothing less.

The Solution

The routing layer
blockchain finance
was missing.

Just as SWIFT routes messages, MultiHopper routes assets programmatically, on public rails. Every wallet, and smart contract onchain, becomes your programmable relay.

Programmable Multi-Hop Routing

Assets move through predefined or random paths and timing... entirely onchain.

Non-intercept

Funds stay self-custodied at every hop. No intermediary ever holds your keys.

Compliant by Design

Selective disclosure to regulators. Powerful onchain privacy from everyone else.

Earn New Revenue Streams

Simply add MultiHopper as a feature and we share revenue with us 50/50 as partners.

“As blockchain adoption grows, routing infrastructure becomes necessary for digital assets.”

— TechBullion

Live Beta

MultiHopper is live (beta)

Programmable, privacy-preserving asset routing — on Solana, available now. Try it and shape what comes next.

Start Hopping!

Use Cases

Built for
Institutional
Finance.

Execute treasury movements with greater operational privacy, clearer policy control, and reduced exposure of wallet relationships to competitors and counterparties.

Execute large-value onchain movements with configurable routingand timing that helps reduce unwanted signaling around counterparties and activity flows.

Support regulated digital asset workflows with programmable transfer paths suited to modern tokenized capital markets infrastructure.

Send stablecoins across borders programmatically — more flexibly than SWIFT, without the constraints of correspondent banking. Enable programmable movement of digital money across jurisdictions, entities, and settlement contexts without forcing institutions into legacy-style rails.

Coordinate capital movement across wallets, strategies, administrators, and entities with more control over how transaction flows are expressed onchain.

Route business payments to partners, service providers, and counterparties through programmable transaction logic designed for operational discretion.

WHEN The Problem IS A REsULT OF THE CRITICAL BENEFITS

Every transaction.

Every counterparty.

Every amount.

Permanently public.

Treasury Wallet ExposureVendor Payment Graph LeakageCompetitor Transaction IntelligenceFront-Running RiskMEV ExtractionOTC Desk VisibilityClient Privacy ConflictsCompliance Reporting ComplexityTreasury Wallet ExposureVendor Payment Graph LeakageCompetitor Transaction IntelligenceFront-Running RiskMEV ExtractionOTC Desk VisibilityClient Privacy ConflictsCompliance Reporting Complexity

Public chains are transparent by design. Institutional finance cannot be.

Market Shift

The market
is shifting.

Stablecoin Settlement Institutionalizing✦Clarity Act✦Canton Network Adoption Rising✦Coinbase Acquiring Privacy Infrastructure✦SEC Softening on Privacy Tech✦Tokenized Securities Going Live✦Stablecoin Settlement Institutionalizing✦Clarity Act✦Canton Network Adoption Rising✦Coinbase Acquiring Privacy Infrastructure✦SEC Softening on Privacy Tech✦Tokenized Securities Going Live✦

BlackRock Tokenized Funds✦Franklin Templeton On-Chain✦DTCC Blockchain Settlement✦JPMorgan Onyx Expansion✦Stripe Stablecoin Integration✦Visa USDC Settlement✦BlackRock Tokenized Funds✦Franklin Templeton On-Chain✦DTCC Blockchain Settlement✦JPMorgan Onyx Expansion✦Stripe Stablecoin Integration✦Visa USDC Settlement✦

Six converging forces are creating institutional-scale demand for compliant private value transfer.More importantly, the demand for programmability and control of how assets flow: Timing, paths, abstraction.

Privacy vs Programmability

Three ways.
All have
a catch.

Illegal

Mixing & Tumbling

Flagged by regulators worldwide.
Used by bad actors.
OFAC sanctioned.

Complex & Expensive

Private Chains & ZK

Years of engineering. Still not live.
Breaks composability by design.
Too slow. Too expensive. Too niche.

Isolated & Rigid

Shielded Pools

Locked to specific assets.
Liquidity requirements make them unscalable
Increasing regulatory pressure.

MultiHopper is the new paradigm

Programmable, compliant, private value transfer on public blockchains. No mixing. No private chains. No complexity. No commingling. Programmability achieves privacy, without the compromise.

Read our Docs

How It Works

Route.
Abstract.
Settle.

Four steps. Entirely onchain. No intermediaries, no commingling, no compromise.

Define

Set your routing intent

Specify asset, amount, destination, hop count, timing variance, and compliance rules — all encoded as programmable instructions.

Encode

Smart contracts take over

MultiHopper translates intent into onchain routing logic. No intermediary holds your keys. Self-custodied at every step.

Hop

Isolated, non-commingled paths

Assets traverse randomized paths through isolated nodes on Solana. Each hop is independent — no single observer can reconstruct the full route.

Settle

Clean compliant delivery

Recipient receives. Audit trail is maintained onchain. Selective regulatory disclosure available on demand — no commingling, ever.

multihopper.ts

live

1multihopper.route({

2asset: "USDC",

3amount: 250_000,

4hops: 4,

5timing: "randomized",

6compliance: "selective_disclosure",

7destination: "8xKf...3mPw",

8});

hops: 4 / randomized

settled in 0.41s

no commingling detected

compliant

$USDT$USDC$SOL$ETH$LINK$JUP$BTC$MATIC$ARB$OP$AVAX$BASE$USDT$USDC$SOL$ETH$LINK$JUP$BTC$MATIC$ARB$OP$AVAX$BASE$USDT$USDC$SOL$ETH$LINK$JUP$BTC$MATIC$ARB$OP$AVAX$BASE$USDT$USDC$SOL$ETH$LINK$JUP$BTC$MATIC$ARB$OP$AVAX$BASE

Revenue Partnership

Add new revenue streams

to your chain

or protocol.

MultiHopper offers your users compliant onchain programmable money. Simply integrate and unlock four powerful revenue-generating primitives. We share all revenues generated with you as equal partners.

Become a Partner

Routing

Programmable multi-hop asset routing across any path.

Entropy

Randomized timing and path selection for maximum privacy.

Onchain Abstraction

Complex logic simplified into a single composable call.

Timing

Scheduled and variance-controlled settlement windows.

0You

0Us

Revenue split

Equal partners in a
bright future.

As our partner, we share all revenues generated by routing, entropy, onchain abstraction, and timing features with you — 50/50. No fine print. Just a fair split between builders who believe in the same future.

No lock-inOnchain verifiedInstant payoutsEqual terms

The Team

29 years of startup
experience.
crypto natives.

enigma

ceo//founder

GP of EnigmaFund Venture Capital. Founder at $SSR. Advisor at Movement, Perle, Kino, Anyone Protocol (prev. Toshi CTO core team) and more.

jra

coo//cofounder

Head of OPs at EnigmaFund. Cofounder at $SSR. Previously head of KYC & compliance teams at BNP Paribas, and practicing lawyer.

alex kujavsky

cbo//cofounder

Business lead at EnigmaFund, and cofounder of $SSR. Previously practicing lawyer. Trench warrior.

martin cormier

lead developer

at MultiHopper and $SSR. 20 years experience as senior engineer in infra, AI, web3. Developed digital platforms for Southwest Airlines, Norwegian Airways, Jet Airways. Former CTO at Play (web3).

ovidiu dan

bd manager

at MultiHopper. Founder of Genesis Capital. Ovi has helped companies like Anyone Protocol scale from grassroots to over $400M marketcap.

Get in Touch

Ready to Build on MultiHopper?

Talk to our team about integrating compliant private value transfer into your institution's payment rails.

Contact Information

enigma@enigmafund.com

If you're one of these... we want to chat

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Send Crypto,Programmatically.

Every wallet onchain:A programmable relay.