Product Guides
Learn what SpherePay products do and how to integrate or operate them.
Each Product Guide combines:
- What it is (business-friendly)
- How it works (mental model)
- How to integrate or operate it (step-by-step)
Before anything: onboard your customer
Most integrations start with Customer onboarding. Before you can proceed with any transfer flow, you typically need to:
- Create a customer: Create Customer API
- Complete the required KYC/KYB flows (approval gates transfers): Compliance guides
Once the customer is approved, you can proceed to funding instruments and transfers.
What you'll find here
Product Guides are the start-to-finish docs for SpherePay products. They're written for:
- Product & Ops: understand what a product does, what's required, and how it behaves in real-world operations.
- Engineers: follow an integration path, learn the mental model, and jump to the exact API reference endpoints.
If you're looking for endpoint-by-endpoint details, head to API Reference.
Recommended paths
Pick the path that matches your build:
- API-first integrations: onboard customer → Transfers API (Core) → payment instruments (bank accounts, wallets) → confirm supported rails/networks.
- Embedded UI: onboard customer → Ramp Widget (white-label) → confirm supported rails/networks.
- Automation products: onboard customer → use Onramper Accounts / Off-Loader Wallet for automatic fiat↔stablecoin conversion workflows that provide additional flexibility.
Start with Transfers API
For most integrations, the best starting point is Transfers API (Core).
Guides by topic
Transfers
- Transfers API (Core): Create transfers via API, track lifecycle, and handle outcomes.
- Ramp Widget (White-label): Embed a branded on/off-ramp experience in your product.
- Transfer acceptance (rails & networks): What rails, stablecoins, and networks are supported (plus minimums).
Payment instruments
- Bank accounts: Create and manage bank accounts to enable fiat rails.
- Wallets (Stablecoin Wallets): Register wallet addresses to enable on-chain transfers.
Automating transfers
- Onramper Accounts (On-Ramp): Automate fiat→stablecoin deposits using virtual accounts (API-only).
- Off-Loader Wallet (Off-Ramp): Automate stablecoin→fiat payouts using dedicated wallets (Dashboard-only).
Where to go next
- Getting live: see Playbooks → Go Live and Testing.
- Compliance requirements: see Compliance for KYB/KYC and verification flows.
- Operational tools & references: see Dashboard and Reference (e.g., webhooks, codes, and operational guidance).