SpherePay API Release Notes and Changelog

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SWIFT international payouts

• Create a USD bank account with currency: "usd" and networks: ["swift"]
• Provide accountNumber (IBAN or BBAN) and the beneficiary bank’s bic (8 or 11 characters)
• Optionally include intermediaryBics — an ordered list of up to 3 correspondent-bank BICs (each 8 or 11 characters, no duplicates)

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Manage offloader wallets from the dashboard

• Generate offloader wallets — create new offloader wallet addresses without an API call.
• Wallet transaction history — view the full transaction history for each offloader wallet, including the transfers associated with it.

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Onboard your customers and view their external accounts

• Create & onboard a customer — add a business or individual end customer and run KYB or KYC verification, with a Terms of Service link per customer and live verification status.
• Customer external accounts — view a customer’s external accounts directly from their Customer tab.

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Add accounts and create transfers on behalf of your customers

• Add customer accounts — add external accounts on behalf of your customers without leaving the dashboard.
• Create transfers on behalf of customers — initiate transfers from those accounts on your customers’ behalf.
• Improved transfer details — a refreshed confirmation and details view makes it easier to review each transfer.

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Redesigned dashboard navigation and Transfer flow

• Onboarding has moved out of the Transfers section into its own “Get Started” sidebar item, giving customers a clearer path through the platform from day one.
• “Bank Accounts” has been renamed to “External Accounts” to better reflect how the product works.

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BRL/PIX transfers now supported

• Off-ramp: USDC/USDT on Polygon, Ethereum, Base, or Tron → PIX BRL
• On-ramp: PIX BRL → USDC/USDT on Polygon, Ethereum, Base, or Tron
• Transfer limits: R$1.00–R$7,500.00 per transfer

• Only integratorBpsFeeRate is supported for fees (integratorFixedFee is not allowed).
• Solana is not supported for BRL transfers.
• PIX bank accounts require currency: "brl" and networks: ["pix"].

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Named wire payouts

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API-first onboarding defaults

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Offloader Wallets API and EURC support

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Offloader Wallets API

• USDC on Arbitrum, Avalanche, Base, Ethereum, Polygon, and Solana
• USDT on Ethereum and Tron
• EURC on Base, Ethereum, and Solana

• USD via ACH and Wire
• EUR via SEPA

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EURC now supported

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Customer API suite for business customers

• Register business representative
• Upload UBO identification documents
• Request face liveness verification for UBO
• Submit UBO for verification

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Deprecating the Transfer Fee API

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Customer API suite for individual customers

• Upload required documents
• Send and verify email OTP
• Send and verify phone OTP
• Request face liveness verification

• personalInformation.taxIdentificationNumber
• personalInformation.taxIdentificationNumberType
• personalInformation.taxIdentificationNumberCountry
• personalInformation.taxIdentificationNumberDescription

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Onramper Accounts API

• Generate dedicated bank accounts per customer or application
• Automatically convert USD/EUR deposits into USDC or USDT
• Deliver converted funds directly to any on-chain wallet address

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Starknet network support

{
  "customer": "customer_098xxxxxxxxxxxxxxxxxxxxxxxxxxxfbb",
  "amount": "1.12",
  "source": {
    "id": "wallet_81bxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx9f3",
    "network": "starknet",
    "currency": "usdc"
  },
  "destination": {
    "id": "bankAccount_cabxxxxxxxxxxxxxxxxxxxxcxxxxx42c",
    "network": "ach",
    "currency": "usd"
  }
}

{
  "customer": "customer_098xxxxxxxxxxxxxxxxxxxxxxxxxxxfbb",
  "amount": "2",
  "source": {
    "id": "bankAccount_cabxxxxxxxxxxxxxxxxxxxxcxxxxx42c",
    "network": "wire",
    "currency": "usd"
  },
  "destination": {
    "id": "wallet_81bxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx9f3",
    "network": "starknet",
    "currency": "usdc"
  }
}

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Deprecating /v1/customer