Sphere is modern infrastructure for moving money between fiat and stablecoins. One API, one compliance layer, and coverage across USD, EUR, BRL, USDC, USDT, and EURC — wired to bank rails (ACH, Wire, SEPA, PIX) and stablecoin networks (Solana, Ethereum, Polygon, Base, Avalanche, Arbitrum, Tron). Use Sphere to on-ramp customers from a US bank account into USDC on Solana, settle a USD payroll run as stablecoin to employee wallets, accept inbound EUR via SEPA and auto-convert to USDC, or run an FX trade across BRL ↔ USD with PIX and ACH as the fiat legs. Same API, same data model, same compliance layer for every flow.Documentation Index
Fetch the complete documentation index at: https://docs.spherepay.co/llms.txt
Use this file to discover all available pages before exploring further.
How it works
Understand the core integration model: customers, instruments, and transfers.
Authentication
Generate your API key and make your first authenticated request.
First API call
Step-by-step walkthrough to create a customer and execute a transfer.
API Reference
Full endpoint specs, schemas, and request/response examples.
Easy as 1, 2, 3…
Onboard a customer
Call
POST /v2/customer to register an individual or business, then complete KYC (individual) or KYB (business) verification before initiating any transfer.Register a transfer instrument
Call
POST /v2/bank-account to link a fiat rail (ACH, Wire, SEPA, PIX) or POST /v2/wallet to link a crypto wallet — bound to the verified customer.What you can build
Outcome-shaped guides — combine Sphere’s primitives to ship the use case your customers need without rebuilding compliance, FX, or settlement from scratch.Payroll
Pay W-2 employees and 1099 contractors in stablecoins or fiat — with the virtual-account pattern that ships without a per-paycheck API call.
Payment acceptance
Accept fiat from end users via wire, ACH, SEPA, or PIX — auto-settled as USDC, USDT, or EURC to your wallet or directly to a protocol contract.
Trading
Currency-pair trading with stablecoins as the bridge. BRL ↔ USD and USD ↔ EUR walkthroughs, more corridors as rails expand.
Cross-border trade finance
Settle invoices and receivables across currencies for importers, exporters, and trade finance platforms.
Explore by product
Customers & KYC/KYB
Onboard individuals and businesses with API or hosted link flows.
Transfers
Create and track on-ramp and off-ramp transfers.
Onramper Accounts
Automated virtual bank accounts that convert fiat deposits to stablecoins.
Offloader Wallets
Automated wallets that convert incoming stablecoins to fiat payouts.