Treasury Management with Fiat-to-Stablecoin Conversion

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.

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Overview

1. On-ramping — Converting USD from your bank account to USDC or USDT.
2. Off-ramping — Converting stablecoins back to USD when fiat is needed.
3. Monitoring — Tracking balances and transfer status across both rails.

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First-party transactions

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Implementation options

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Option 1 — Manual transfers via API

# Convert $10,000 USD to USDC on Solana
curl -X POST https://api.spherepay.co/v2/transfer \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "10000.00",
    "customer": "customer_your_company",
    "source": {
      "type": "bank_account",
      "id": "bankAccount_xxx",
      "currency": "usd",
      "network": "ach"
    },
    "destination": {
      "type": "wallet",
      "id": "wallet_xxx",
      "currency": "usdc",
      "network": "sol"
    }
  }'

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Option 2 — Virtual accounts for automated on-ramping

1. Create an Onramper Account linked to your customer.
2. Wire funds to the virtual account’s bank details.
3. SpherePay automatically converts deposits to stablecoins.

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Option 3 — Offloader Wallet for automated off-ramping

1. Create an Offloader Wallet linked to your customer.
2. Send stablecoins to the Offloader Wallet address.
3. SpherePay automatically converts to USD and deposits to your bank.

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Example — round-trip treasury flow

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Step 1 — On-ramp (USD → USDC)

curl -X POST https://api.spherepay.co/v2/transfer \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "50000.00",
    "customer": "customer_your_company",
    "source": {
      "type": "bank_account",
      "id": "bankAccount_xxx",
      "currency": "usd",
      "network": "wire"
    },
    "destination": {
      "type": "wallet",
      "id": "wallet_xxx",
      "currency": "usdc",
      "network": "ethereum"
    }
  }'

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Step 2 — Hold and manage USDC

• Transfer between wallets on different networks.
• Send to external addresses.
• Monitor balances via the dashboard or API.

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Step 3 — Off-ramp (USDC → USD)

curl -X POST https://api.spherepay.co/v2/transfer \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "25000.00",
    "customer": "customer_your_company",
    "source": {
      "type": "wallet",
      "id": "wallet_xxx",
      "currency": "usdc",
      "network": "ethereum"
    },
    "destination": {
      "type": "bank_account",
      "id": "bankAccount_xxx",
      "currency": "usd",
      "network": "wire"
    }
  }'

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Monitoring and reporting

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Via dashboard

1. Navigate to Transfers to view all treasury movements.
2. Filter to show only your company’s transactions.
3. Export reports for accounting.

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Via API

# Get all transfers for your company
curl "https://api.spherepay.co/v2/transfer?customer=customer_your_company" \
  -H "Authorization: Bearer YOUR_API_KEY"

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Best practices

• Use dedicated customer records. Create a separate customer for treasury vs. customer-facing operations to keep reporting clean.
• Poll for status. Use GET /v2/transfer/{id} to check transfer and deposit status.
• Plan for settlement times. ACH takes 1–2 business days; wires are same/next day.
• Pre-fund for liquidity needs. If you’ll need fiat on a specific day, off-ramp ahead of the deadline rather than at the moment of need.

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