What is a customer?
In SpherePay, a customer is an entity — either an individual person or a registered business — that your platform onboards to send or receive funds. You create a customer record via the API, then complete the required verification steps before that customer can participate in any transfer.Customer types
SpherePay supports two customer types. Choose the type that matches your end user.Onboarding models
SpherePay supports two onboarding models that determine how compliance steps — identity verification, liveness checks, legal agreements, and contact verification — are handled.All new API integrations use Sphere-Managed by default. Platform-Managed onboarding is opt-in and requires qualification — contact your dedicated Solutions Engineer to initiate the approval process.
Integration methods
Both customer types support two integration methods. Pick one and use it consistently — mixing methods for the same customer is not supported.After approval
Once a customer’s verification profile status reachesapproved, they can:
- Register a bank account to send or receive funds via bank rail
- Register a crypto wallet to enable on-ramp and off-ramp transfers
- Initiate a transfer
Individual KYC
Onboard individuals through identity verification. Choose between API-based or hosted link integration, with Sphere-Managed or Platform-Managed compliance.
Business KYB
Onboard businesses with company documents, UBO registration, and identity verification via API or hosted link.
KYC via hosted link
Use SpherePay’s hosted onboarding link to verify customers without building a custom UI.
Verification profile
Understand what each verification status means and what triggers transitions between states.