What is SpherePay?
An introduction to SpherePay and what you can build with it.
SpherePay is the operating system for the digital economy, transforming cross-border payments into a fast, secure, and reliable experience. We focus on empowering businesses and individuals in underserved and emerging markets, removing obstacles to global commerce and fostering economic growth and inclusion.
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.
Trust and compliance
SpherePay is ISO 27001 certified and SOC 2 Type 2 compliant.
Next steps
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