> ## 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.

# SpherePay: Stablecoin payments for global businesses

> SpherePay is an API-first platform for on-ramp and off-ramp transfers. Convert between USD, EUR, BRL and USDC, USDT, EURC with built-in KYC/KYB compliance.

<img
  src="https://mintcdn.com/spherepayco/meLdlxWji5l_ENK0/images/sphere-docs-dashboard.webp?fit=max&auto=format&n=meLdlxWji5l_ENK0&q=85&s=b60646346b12d83ec48ab766e44e2f4d"
  alt="Sphere wallet-to-bank transfer flow — UI cards showing a 12,005.15 USDC payout settling to a US bank account with a transaction-progress sidebar, plus a code sample creating the payout via POST /v1/payout."
  style={{
width: '100%',
maxWidth: '900px',
height: 'auto',
borderRadius: '16px',
margin: '1.5rem 0',
display: 'block'
}}
  width="1554"
  height="830"
  data-path="images/sphere-docs-dashboard.webp"
/>

Sphere is modern infrastructure for moving money between fiat and stablecoins. One API, one compliance layer, and coverage across USD, EUR, BRL, USDC, USDT, and EURC — wired to bank rails (ACH, Wire, SEPA, PIX) and stablecoin networks (Solana, Ethereum, Polygon, Base, Avalanche, Arbitrum, Tron).

Use Sphere to on-ramp customers from a US bank account into USDC on Solana, settle a USD payroll run as stablecoin to employee wallets, accept inbound EUR via SEPA and auto-convert to USDC, or run an FX trade across BRL ↔ USD with PIX and ACH as the fiat legs. Same API, same data model, same compliance layer for every flow.

<CardGroup cols={2}>
  <Card title="How it works" icon="map" href="/get-started/how-it-works">
    Understand the core integration model: customers, instruments, and transfers.
  </Card>

  <Card title="Authentication" icon="key" href="/get-started/authentication">
    Generate your API key and make your first authenticated request.
  </Card>

  <Card title="First API call" icon="terminal" href="/get-started/first-api-call">
    Step-by-step walkthrough to create a customer and execute a transfer.
  </Card>

  <Card title="API Reference" icon="code" href="/api-reference/customer/post">
    Full endpoint specs, schemas, and request/response examples.
  </Card>
</CardGroup>

## Easy as 1, 2, 3....

<Steps>
  <Step title="Onboard a customer">
    Call `POST /v2/customer` to register an individual or business, then complete KYC (individual) or KYB (business) verification before initiating any transfer.
  </Step>

  <Step title="Register a transfer instrument">
    Call `POST /v2/bank-account` to link a fiat rail (ACH, Wire, SEPA, PIX) or `POST /v2/wallet` to link a crypto wallet — bound to the verified customer.
  </Step>

  <Step title="Create a transfer">
    Call `POST /v2/transfer` with the customer, source, and destination to initiate an on-ramp or off-ramp.
  </Step>
</Steps>

## What you can build

Outcome-shaped guides — combine Sphere's primitives to ship the use case your customers need without rebuilding compliance, FX, or settlement from scratch.

<CardGroup cols={2}>
  <Card title="Payroll" icon="banknote" href="/solutions/payroll">
    Pay W-2 employees and 1099 contractors in stablecoins or fiat — with the virtual-account pattern that ships without a per-paycheck API call.
  </Card>

  <Card title="Payment acceptance" icon="hand-coins" href="/solutions/payment-acceptance">
    Accept fiat from end users via wire, ACH, SEPA, or PIX — auto-settled as USDC, USDT, or EURC to your wallet or directly to a protocol contract.
  </Card>

  <Card title="Trading" icon="refresh-cw" href="/solutions/trading">
    Currency-pair trading with stablecoins as the bridge. BRL ↔ USD and USD ↔ EUR walkthroughs, more corridors as rails expand.
  </Card>

  <Card title="Cross-border trade finance" icon="ship" href="/solutions/cross-border-trade-finance">
    Settle invoices and receivables across currencies for importers, exporters, and trade finance platforms.
  </Card>
</CardGroup>

## Explore by product

<CardGroup cols={2}>
  <Card title="Customers & KYC/KYB" icon="user-check" href="/concepts/onboarding/overview">
    Onboard individuals and businesses with API or hosted link flows.
  </Card>

  <Card title="Transfers" icon="arrow-right-left" href="/concepts/transfers/overview">
    Create and track on-ramp and off-ramp transfers.
  </Card>

  <Card title="Onramper Accounts" icon="landmark" href="/concepts/automation/onramper-accounts">
    Automated virtual bank accounts that convert fiat deposits to stablecoins.
  </Card>

  <Card title="Offloader Wallets" icon="wallet" href="/concepts/automation/offloader-wallets">
    Automated wallets that convert incoming stablecoins to fiat payouts.
  </Card>
</CardGroup>