Overview
How SpherePay's Onramper Accounts automate fiat-to-stablecoin conversion.
SpherePay's Onramper Account is an automated solution for converting fiat into stablecoins. When you set up a virtual bank account for a customer, any fiat deposited to that account is automatically converted to the linked stablecoin and delivered to the customer's wallet — no per-transfer API call required.
Add-on Product
Onramper Accounts are an automation layer separate from the Transfer API. They use different endpoints and do not support bank account creation via the Transfer API.
One account per customer
An Onramper Account has no per-transfer attribution. If multiple customers share a single virtual account, identifying who sent a deposit requires polling the transfer list and manually matching by amount, timing, or source bank — which is error-prone. Always create one Onramper Account per customer, even if they all share the same destination wallet.
How It Works
Creating an Onramper Account gives the customer a dedicated virtual bank account tied to a specific wallet address. Funds deposited to that account 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
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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