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SpherePay supports a broad range of fiat payment rails and stablecoin networks, enabling on-ramp and off-ramp transfers across USD, EUR, and BRL on the fiat side and USDC, USDT, and EURC on the crypto side. The table below lists supported source-to-destination combinations. Use it as a reference when planning your integration. The Verification profile column names the profile a customer needs approved for that route — see Verification profiles.
Some combinations may not be available. Availability can depend on your account configuration, region, and verification profile, and the supported set differs by product — some combinations apply only to the Transfers API, Onramper Accounts, or Offloader Wallets. Confirm availability with your SpherePay representative before building.

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Supported rails table

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Notes

Sender-name visibility depends on the rail. Named payouts — where the sender’s business name appears on the receiving bank statement — are supported on wire only. SpherePay cannot guarantee sender-name visibility on ACH because the receiving institution determines what displays for ACH credits. If the beneficiary requires an identifiable sender name, use network: "wire".
BRL/PIX transfers require a separate verification profile (kyc_profile_b for individuals, kyb_profile_b for businesses) in addition to the standard profile. Contact your SpherePay representative to enable BRL/PIX access before initiating transfers on that rail.
  • Each rail has its own optional reference field on the transfer’s destination: achReference for ACH, wireMessage for wire, and sepaReference (6–140 characters) for SEPA. Send only the field that matches the destination network — the API rejects the request if you send a field for another rail. See Create Transfer.
  • Solana is not supported as a source or destination for BRL transfers. Requests using "network": "sol" with a BRL source or destination will be rejected.
  • The table above reflects the Transfers API. Onramper Accounts and Offloader Wallets may support a different subset of combinations.
  • If you need a combination that is not listed, or have questions about eligibility, contact your SpherePay representative.
SWIFT (international USD payout) is supported as an off-ramp destination rail (currency: "usd", networks: ["swift"]) for delivering USD to international bank accounts. Register the beneficiary as a USD SWIFT bank account with an accountNumber (IBAN or BBAN) and bic, plus up to three optional intermediary correspondent-bank BICs. SWIFT requires verification profile C — a USD SWIFT bank account cannot be created until profile C is approved. Third-party SWIFT payments also require a supporting document — see Supporting documents for SWIFT third-party payments.
SPEI (MXN on-ramp) is supported as a source rail for converting MXN into USD delivered over SWIFT or Wire. SPEI requires verification profile D, which is enabled together with profile C. MXN to USD is the only supported direction.
Last modified on September 22, 2026