What is SpherePay?
An introduction to SpherePay and what you can build with it.
SpherePay is built for operators — fintechs, neobanks, payroll platforms, and treasury tools — who need a reliable, compliant foundation for cross-border money movement.
What you can build
On-ramp (Fiat → Crypto) Accept fiat payments from your customers and convert them to stablecoins. Ideal for treasury management, DeFi access, and cross-border payroll.
Off-ramp (Crypto → Fiat) Accept stablecoin payments and settle them to your customers' bank accounts in local currency. Ideal for contractor payouts and earned wage access.
White-label Ramp Widget Embed a fully hosted, branded ramp experience into your product without building any frontend. No API integration required.
How SpherePay works
Every integration follows the same core sequence:
- Authenticate — generate an API key from your SpherePay dashboard.
- Onboard a customer — verify your customer's identity via KYC (individual) or KYB (business) before any transfer can be initiated.
- Create a transfer — once a customer is verified, execute on-ramp or off-ramp transfers on their behalf.
Onboarding is a hard prerequisite for transfers. No transfer can be initiated without a verified customer record. If you are new to SpherePay, start with How it Works before moving to Authentication.
Next steps
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