> ## 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.

# Offloader Wallets: Automated Crypto-to-Fiat

> Offloader Wallets give each customer a dedicated on-chain address that automatically converts incoming stablecoins to fiat bank payouts.

Offloader Wallets automate stablecoin-to-fiat conversion without requiring a per-transfer API call. You create an on-chain wallet address for each customer, and any stablecoin sent to that address is automatically converted to the linked fiat currency and deposited into the customer's registered bank account.

<Note>
  Offloader Wallets are an add-on product. They use different endpoints than the Transfers API and do not support webhooks.
</Note>

## How it works

When you create an Offloader Wallet, SpherePay provisions a dedicated on-chain wallet address tied to a specific bank account. The full flow is:

1. You register a bank account for the customer.
2. You create an Offloader Wallet linking the customer's on-chain address to their bank account.
3. You share the wallet address with your customer.
4. The customer sends stablecoins to the offloader address.
5. SpherePay automatically converts the stablecoins to fiat and initiates a payout to the linked bank account — no additional API calls required.

## When to use Offloader Wallets vs. the Transfers API

Use Offloader Wallets when you want fully automated, deposit-triggered conversion with no per-transfer API call and no webhook dependency. Use the Transfers API when you need explicit per-transfer control or event-driven webhook notifications.

## One wallet per customer

<Warning>
  An Offloader Wallet has no per-transfer attribution and does not support webhooks. If multiple customers share a single offloader address, identifying who sent a deposit requires manually matching by amount, timing, or source wallet — which is error-prone. Always create one Offloader Wallet per customer.
</Warning>

## Supported stablecoins and networks

| Stablecoin | Supported Networks                                   |
| ---------- | ---------------------------------------------------- |
| USDC       | Arbitrum, Avalanche, Base, Ethereum, Polygon, Solana |
| USDT       | Ethereum, Tron                                       |
| EURC       | Base, Ethereum, Solana                               |

## Supported fiat destinations

| Currency | Rails     |
| -------- | --------- |
| USD      | ACH, Wire |
| EUR      | SEPA      |

## Integration steps

Before you begin, confirm that Offloader Wallets are enabled for your SpherePay application. Contact your sales representative if you need access.

<Steps>
  <Step title="Onboard the customer">
    Each customer must be registered via the [Create Customer](/api-reference/customer/post) API, have accepted the Terms of Service, completed KYC (for individuals) or KYB (for businesses), and have a customer status of `approved`.
  </Step>

  <Step title="Register a bank account for the customer">
    Create a bank account record for the customer using the bank account API. This is the fiat destination account where converted funds will be paid out.
  </Step>

  <Step title="Create an Offloader Wallet">
    Call `POST /v2/offloader-wallet` with the customer ID, the stablecoin currency and network to accept, and a destination object pointing to the customer's bank account.

    ```json theme={"dark"}
    {
      "customerId": "customer_a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6",
      "currency": "usdc",
      "network": "ethereum",
      "destination": {
        "bankAccountId": "bankAccount_6221e8d4299f4a889bd882255e92f581",
        "currency": "usd",
        "network": "ach",
        "achReference": "REF123"
      }
    }
    ```

    The response includes the on-chain `address` your customer will send stablecoins to.

    ```json theme={"dark"}
    {
      "id": "wallet_a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6",
      "customerId": "customer_a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6",
      "address": "0x4838B106FCe9647Bdf1E7877BF73cE8B0BAD5f97",
      "currency": "usdc",
      "network": "ethereum",
      "destination": {
        "bankAccountId": "bankAccount_6221e8d4299f4a889bd882255e92f581",
        "currency": "usd",
        "network": "ach",
        "achReference": "REF123"
      },
      "fees": {
        "integratorFee": {
          "bpsRate": "100",
          "currency": "usdc"
        },
        "platformFee": {
          "bpsRate": "30",
          "currency": "usdc"
        }
      },
      "returnAddress": "0x4838B106FCe9647Bdf1E7877BF73cE8B0BAD5f97",
      "created": "2024-06-15T10:30:00.000Z",
      "updated": "2024-06-15T12:00:00.000Z"
    }
    ```
  </Step>

  <Step title="Retrieve the wallet address">
    The `address` field in the response is the on-chain wallet address. You can also retrieve it at any time with `GET /v2/offloader-wallet/{offloader_wallet_id}`.
  </Step>

  <Step title="Share the wallet address with your customer">
    Provide the customer with the `address` from the response. Instruct them to send only the configured stablecoin and network to this address — for example, USDC on Ethereum only.
  </Step>

  <Step title="Customer sends stablecoins">
    Once your customer sends stablecoins to the offloader address, SpherePay automatically converts the funds and initiates a fiat payout to the linked bank account. No further API calls are required on your end.
  </Step>
</Steps>

## Additional API operations

In addition to creating and retrieving offloader wallets, the API supports:

* `PATCH /v2/offloader-wallet/{id}` — update the destination bank account
* `GET /v2/offloader-wallet` — list all offloader wallets

Transfer history is available through the standard Transfer API, not a wallet-specific endpoint. Use [Get a Transfer](/api-reference/transfer/get-id) or [List Transfers](/api-reference/transfer/get) filtered by offloader wallet.

## Notes

<Note>
  Webhook notifications are not currently supported for Offloader Wallets. Poll the Transfer API to check the status of individual conversions.
</Note>

For information on applicable fees and transaction limits, contact your SpherePay sales representative.

## Supported regions

Offloader Wallets are available to end-users globally, except in regions sanctioned or otherwise prohibited by law. Contact SpherePay for a current list of restricted regions.