Programmable payment
infrastructure
for regulated rails.
MultiHopper is building the routing layer that institutions, fintechs, AI agents, and developers need to send crypto compliantly — without sacrificing privacy or programmability.
Make compliant crypto transfers programmable
The regulated payment world is moving on-chain. MultiHopper exists to make that transition seamless — giving institutions a programmable routing layer that speaks the language of compliance while preserving full self-custody and auditability.
The SWIFT layer for programmable digital assets
Just as SWIFT standardised messaging between banks, MultiHopper standardises routing logic for digital assets. We envision a world where any institution can send value across any chain with full compliance confidence — through a single, open infrastructure layer.
Core principles that
shape every decision.
Compliance-First
Every routing decision is governed by programmable compliance logic, ensuring every transfer respects regulatory boundaries — without compromise.
Programmable by Design
We build infrastructure that developers and institutions can configure, extend, and compose — transforming static rails into dynamic, logic-driven payment paths.
Privacy Preserved
Transaction metadata stays confidential. MultiHopper's architecture enables compliance verification without exposing sensitive counterparty information.
Chain Agnostic
Not tied to any single chain or settlement layer. MultiHopper routes assets wherever liquidity and compliance requirements are best met.
How to
Hop.
Five clean steps from API call to final settlement — every leg compliant, every hop auditable.
Initiate
Compliance Check
Route Selection
Execute Hops
Settlement
Developer or institution calls the MultiHopper API with transfer params — amount, asset, destination, and compliance context.
Programmable rules screen both sender and receiver in real-time. KYC, AML, and jurisdiction policies verified without exposing raw data.
The routing engine maps the optimal compliant path across available rails, chains, and liquidity pools — based on your rules, not ours.
Assets hop across chains through privacy-preserved intermediary legs — each hop logged, auditable, and governed by your rules.
Receiver gets funds with a complete, tamper-proof audit trail. Full transparency for compliance, zero friction for the end user.
Initiate
Developer or institution calls the MultiHopper API with transfer params — amount, asset, destination, and compliance context.
Compliance Check
Programmable rules screen both sender and receiver in real-time. KYC, AML, and jurisdiction policies verified without exposing raw data.
Route Selection
The routing engine maps the optimal compliant path across available rails, chains, and liquidity pools — based on your rules, not ours.
Execute Hops
Assets hop across chains through privacy-preserved intermediary legs — each hop logged, auditable, and governed by your rules.
Settlement
Receiver gets funds with a complete, tamper-proof audit trail. Full transparency for compliance, zero friction for the end user.
Every hop is governed by your programmable compliance rules — no manual intervention, no opacity, no delays. Privacy is preserved at every leg via MultiHopper's zero-knowledge verification layer.
From concept to
live infrastructure.
Concept born
The founders identified the compliance gap in on-chain payment rails while running EnigmaFund.
Protocol design
Core routing architecture and hop logic formalised. Early institutional interest validated the approach.
Live testnet
First programmable hops executed on testnet. Privacy layer integrated with compliance verification.
Mainnet launch
MultiHopper goes live. Over 2,000 organic transfers done
Built from within
from banks to the crypto trenches.
MultiHopper was incubated inside EnigmaFund — a venture capital fund with deep roots in early-stage crypto. The founding team brings 29 years of combined startup experience, legal expertise, and on-chain operator credibility. We were also part of the $TOSHI core CTO team, taking the project from $1M to $950M and the first Base meme listed on Coinbase... while cofounders like JRA used to be the Head of KYC and Compliance teams at BNP Paribas, the biggest bank in the EU.
Want to build
on MultiHopper?
Whether you're an institution exploring regulated on-chain payments or a developer building on programmable rails, we'd love to talk.