Overview
What you can build with SpherePay and how to get started.
These docs cover everything you need to integrate SpherePay — from customer onboarding through KYC/KYB, to executing on-ramp and off-ramp transfers.
Testing Against Live Systems
SpherePay doesn't maintain a separate sandbox environment because we've found that testing directly against our production systems ensures the most reliable integration. Our identity verification and banking partnerships only operate in production, which means you get real-world validation from day one. We recommend using real identity information for testing — this gives you confidence that your integration will perform exactly as it will when your customers use it.
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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