Overview
How SpherePay's Offloader Wallets automate stablecoin-to-fiat conversion.
SpherePay's Offloader Wallet is an automated solution for converting stablecoins into fiat. When you set up an offloader wallet for a customer, any stablecoin sent to that wallet address is automatically converted to the linked fiat currency and delivered to the customer's bank account — no per-transfer API call required.
Add-on Product
Offloader Wallets are an automation layer separate from the Transfer API. They use different endpoints and do not support webhooks.
One wallet per customer
An Offloader Wallet has no per-transfer attribution and does not support webhooks. If multiple customers share a single offloader address, identifying who sent a deposit requires polling the transfer list and manually matching by amount, timing, or source wallet — which is error-prone. Always create one Offloader Wallet per customer.
How It Works
Creating an Offloader Wallet gives the customer a dedicated on-chain wallet address tied to a specific bank account. Stablecoins sent to that address are converted and forwarded automatically.
Supported Rails & Currencies
- Fiat: USD on ACH and Wire; EUR on SEPA
- Stablecoins:
- USDC on Arbitrum, Avalanche, Base, Ethereum, Polygon, Solana
- USDT on Ethereum, Tron
- EURC on Base, Ethereum, Solana
For the full breakdown, see Supported Rails & Currencies.
Supported Regions
Available to end-users globally, except in regions sanctioned or otherwise prohibited by law.
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