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  <url>
    <loc>https://docs.spherepay.co/api-reference/bank-account/delete-id</loc>
    <lastmod>2026-05-12T14:36:48.090Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/bank-account/get</loc>
    <lastmod>2026-05-12T14:36:48.092Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/bank-account/get-id</loc>
    <lastmod>2026-05-12T14:36:48.088Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/bank-account/patch-id</loc>
    <lastmod>2026-05-12T14:36:48.083Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/bank-account/post</loc>
    <lastmod>2026-05-12T14:36:48.087Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/business-representative/delete-id</loc>
    <lastmod>2026-05-12T14:36:48.085Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/business-representative/get</loc>
    <lastmod>2026-05-12T14:36:48.089Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/business-representative/get-id</loc>
    <lastmod>2026-05-12T14:36:48.086Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/business-representative/patch-id</loc>
    <lastmod>2026-05-12T14:36:48.088Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/business-representative/post</loc>
    <lastmod>2026-05-12T14:36:48.084Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/customer/get</loc>
    <lastmod>2026-05-12T14:36:48.121Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/customer/get-id</loc>
    <lastmod>2026-05-12T14:36:48.122Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/customer/kyc</loc>
    <lastmod>2026-05-12T14:36:48.116Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/customer/patch-id</loc>
    <lastmod>2026-05-12T14:36:48.120Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/customer/post</loc>
    <lastmod>2026-05-12T14:36:48.117Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/document/post</loc>
    <lastmod>2026-05-12T14:36:48.119Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/enhanced-due-diligence/face-verification-link</loc>
    <lastmod>2026-05-12T14:36:48.118Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/enhanced-due-diligence/send-verification-code</loc>
    <lastmod>2026-05-12T14:36:48.119Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/enhanced-due-diligence/tos</loc>
    <lastmod>2026-05-12T14:36:48.115Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/enhanced-due-diligence/ubo-face-verification-link</loc>
    <lastmod>2026-05-12T14:36:48.116Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/enhanced-due-diligence/verify-verification-code</loc>
    <lastmod>2026-05-12T14:36:48.147Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/offloader-wallet/get</loc>
    <lastmod>2026-05-12T14:36:48.147Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/offloader-wallet/get-id</loc>
    <lastmod>2026-05-12T14:36:48.149Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/offloader-wallet/patch-id</loc>
    <lastmod>2026-05-12T14:36:48.142Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/offloader-wallet/post</loc>
    <lastmod>2026-05-12T14:36:48.145Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/quote/get</loc>
    <lastmod>2026-05-21T02:29:11.236Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/quote/get-id</loc>
    <lastmod>2026-05-20T19:46:45.757Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/quote/post</loc>
    <lastmod>2026-05-20T19:44:59.646Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/quote/put-id</loc>
    <lastmod>2026-05-20T19:44:59.647Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/transfer/delete-id</loc>
    <lastmod>2026-05-12T14:36:48.146Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/transfer/get</loc>
    <lastmod>2026-05-12T14:36:48.143Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/transfer/get-id</loc>
    <lastmod>2026-05-12T14:36:48.144Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/transfer/post</loc>
    <lastmod>2026-05-12T14:36:48.142Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/virtual-account/deactivate</loc>
    <lastmod>2026-05-12T14:36:48.144Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/virtual-account/get</loc>
    <lastmod>2026-05-12T14:36:48.184Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/virtual-account/get-id</loc>
    <lastmod>2026-05-12T14:36:48.183Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/virtual-account/list-transfers</loc>
    <lastmod>2026-05-12T14:36:48.182Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/virtual-account/patch</loc>
    <lastmod>2026-05-12T14:36:48.181Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/virtual-account/post</loc>
    <lastmod>2026-05-12T14:36:48.177Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/virtual-account/reactivate</loc>
    <lastmod>2026-05-12T14:36:48.179Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/wallet/delete-id</loc>
    <lastmod>2026-05-12T14:36:48.179Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/wallet/get</loc>
    <lastmod>2026-05-12T14:36:48.178Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/wallet/get-id</loc>
    <lastmod>2026-05-12T14:36:48.176Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/api-reference/wallet/post</loc>
    <lastmod>2026-05-12T14:36:48.176Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/changelog</loc>
    <lastmod>2026-05-21T02:29:11.225Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/automation/offloader-wallets</loc>
    <lastmod>2026-05-12T14:21:05.328Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/automation/onramper-accounts</loc>
    <lastmod>2026-05-12T14:21:05.331Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/onboarding/business-kyb</loc>
    <lastmod>2026-05-12T14:21:05.331Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/onboarding/individual-kyc</loc>
    <lastmod>2026-05-12T14:21:05.332Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/onboarding/kyc-via-link</loc>
    <lastmod>2026-05-12T14:21:05.327Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/onboarding/overview</loc>
    <lastmod>2026-05-12T12:13:10.655Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/onboarding/verification-profile</loc>
    <lastmod>2026-05-12T14:21:05.329Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/operational/rate-limits</loc>
    <lastmod>2026-05-12T03:37:19.683Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/overview</loc>
    <lastmod>2026-05-21T02:29:11.228Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/reference/channel-codes</loc>
    <lastmod>2026-05-12T03:37:19.686Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/reference/prohibited-countries</loc>
    <lastmod>2026-05-21T02:29:11.226Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/reference/supported-assets</loc>
    <lastmod>2026-05-12T03:37:19.688Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/reference/supported-countries</loc>
    <lastmod>2026-05-12T03:37:19.681Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/transfers/bank-accounts</loc>
    <lastmod>2026-05-12T14:21:06.156Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/transfers/lifecycle</loc>
    <lastmod>2026-05-12T14:21:06.154Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/transfers/overview</loc>
    <lastmod>2026-05-12T14:21:06.157Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/transfers/supported-rails</loc>
    <lastmod>2026-05-12T03:37:19.680Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/concepts/transfers/wallets</loc>
    <lastmod>2026-05-12T14:21:06.153Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/get-started/authentication</loc>
    <lastmod>2026-05-12T14:56:56.519Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/get-started/first-api-call</loc>
    <lastmod>2026-05-12T14:21:06.829Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/get-started/how-it-works</loc>
    <lastmod>2026-05-12T03:37:19.718Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/get-started/openapi-spec</loc>
    <lastmod>2026-05-21T02:29:11.227Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/introduction</loc>
    <lastmod>2026-05-21T00:18:58.935Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/solutions/cross-border-trade-finance</loc>
    <lastmod>2026-05-12T13:43:11.410Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/solutions/overview</loc>
    <lastmod>2026-05-21T02:29:11.228Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/solutions/payment-acceptance</loc>
    <lastmod>2026-05-21T02:29:11.237Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/solutions/payroll</loc>
    <lastmod>2026-05-21T02:28:21.929Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/solutions/trading</loc>
    <lastmod>2026-05-21T02:29:11.235Z</lastmod>
  </url>

  <url>
    <loc>https://docs.spherepay.co/solutions/treasury-management</loc>
    <lastmod>2026-05-21T02:28:21.930Z</lastmod>
  </url>
</urlset>