SpherePay API Release Notes and Changelog

​

MXN/SPEI transfers now supported via the API

• SPEI MXN → Wire USD (domestic)
• SPEI MXN → SWIFT USD (international)
• Transfer limits: $50–$1,000,000 USD per transfer

• Transfers must be created from a quote — call POST /v2/quote, then pass the returned quoteId to POST /v2/transfer.
• Integrator fees are not supported for MXN transfers.
• MXN to USD is the only supported direction.
• SPEI bank accounts require currency: "mxn" and networks: ["spei"].

​

Customer-level verification profiles

• enabledVerificationProfiles — an array of profile letters, for example ["a", "c"]. Send it at creation to choose the customer’s profiles; send the full new array in a PATCH to add a profile later. If you omit the field, the customer is enrolled in every profile enabled for your application at creation time. Profile D requires profile C on the same customer. Profile selection applies to API-onboarded customers; hosted KYC links use your application’s default profiles.
• Explicit enrolment for new profiles — when SpherePay enables a new profile for your application, existing customers are not enrolled automatically. Add the profile per customer when they need it.
• Per-profile requirements — each entry in verificationProfiles now carries its own criteria.required, and each profile is decided independently.
• Add profiles to existing customers, including approved ones — PATCH /v2/customer/{id} with the new array works whether the customer’s other profiles are incomplete, pending or approved. Fields a pending or approved profile already evaluated stay locked; a PATCH that touches one returns the new 400 customer/field-locked-by-verification-profile, listing each locked field and the profile locking it. See When customer data can be updated.
• Removing a profile is allowed only while it is incomplete; once pending or approved the request returns the same error.
• New error codes — customer/verification-profile-family-not-enabled-for-application when the array names a profile your application is not enabled for, and customer/verification-profile-not-enabled when none of the selected profiles applies to the customer’s country.

​

Brazilian digital identity documents

• br_digital_drivers — digital driver’s license (CNH digital)
• br_digital_id — digital national ID (RG digital)

​

New: EEA verification fields for individual customers

​

New: EEA business registration number and expanded associated-person requirements

​

New: statusHistory on transfer responses

"statusHistory": [
  { "status": "pendingFunding", "transitionedAt": "2026-06-20T14:03:21.000Z" },
  { "status": "processing", "transitionedAt": "2026-06-20T14:05:10.000Z" }
]

​

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)

​

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.

​

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.

​

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.

​

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.

​

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"].

​

Named wire payouts

​

API-first onboarding defaults

​

Offloader Wallets API and EURC support

​

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

​

EURC now supported

​

Customer API suite for business customers

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

​

Deprecating the Transfer Fee API

​

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

​

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

​

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"
  }
}

​

Deprecating /v1/customer