How it Works
A conceptual overview of the SpherePay integration flow from customer onboarding to transfer execution.
Understanding the SpherePay integration model before writing any code will save you significant time. This page explains the relationship between the three core building blocks: customers, accounts, and transfers.
The integration sequence
Every SpherePay integration follows this sequence, regardless of use case:
Each step is a prerequisite for the next. You cannot initiate a transfer without a verified customer, and you cannot complete a transfer without a pair of instruments attached to that customer.
Step 1 — Create and verify a customer
A customer in SpherePay represents an end user or business on whose behalf you are moving money. Before a customer can transact, they must pass identity verification:
- Individual customers go through a KYC Know Your Customer flow. This involves identity document submission and a face liveness check.
- Business customers go through a KYB Know Your Business flow. This involves business document submission and a director or representative verification.
Verification is handled through Sumsub, either directly via the SpherePay API or through a hosted KYC/KYB link you send to your customer. Once Sumsub approves the application, SpherePay processes the verification and updates the customer status accordingly.
See Customers & Onboarding for full integration guides.
Step 2 — Register a transfer instrument
Once a customer is verified, you register the transfer instrument that will be used as the source or destination of a transfer:
- Bank accounts — used as the fiat source (on-ramp) or fiat destination (off-ramp). See Bank Accounts.
- Wallets — used as the crypto source (on-ramp) or crypto destination (off-ramp). See Wallets.
Step 3 — Execute a transfer
With a verified customer and a bank account or wallet in place, you can initiate a transfer. SpherePay handles the routing, conversion, and settlement.
Key concepts
| Concept | Description |
|---|---|
| Customer | An individual or business on whose behalf transfers are executed. Must be KYC/KYB verified. |
| Bank Account | A fiat bank account linked to the customer for sending or receiving funds. |
| Wallet | A crypto wallet address linked to the customer for sending or receiving funds. |
| Transfer | A single money movement event between a customer's bank account and wallet. |
What SpherePay handles for you
- Identity verification orchestration via Sumsub
- Compliance screening and sanctions checks
- Fiat-to-crypto and crypto-to-fiat conversion
- Settlement and payout via the underlying rails
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