Offloader Wallets API: Programmatic Stablecoin-to-Fiat Conversion

If you're building API-first, the dashboard shouldn't be in your way

Until now, automating recurring treasury operations between stablecoins and fiat has been a daunting task: managing wallets, configuring destinations, and triggering asset conversion all required manual dashboard intervention. Sphere has solved that. With a single API call, fintech platforms, treasury teams, and developers can now create Offloader Wallets that automatically convert stablecoins to fiat at a predefined destination bank account.

Four endpoints. Full lifecycle control.

The Offloader Wallet API gives you complete programmatic control over the stablecoin-to-fiat conversion lifecycle.

• Create: Provision a new Offloader Wallet linked to a verified bank account, chain, and stablecoin. Sphere validates uniqueness and handles provisioning automatically.
• Retrieve: Fetch a single wallet by ID, including status and linked bank account.
• List: Paginated endpoint filterable by customer ID.
• Update: Modify wallet metadata, status, and developer fee programmatically. Immutable fields, like chain and stablecoin, are enforced.
• Transfer history: Available through the standard Transfer API, filterable by customer ID. View all deposits and settlements per wallet.

No dashboard. No manual steps. Just an address, and stablecoins become fiat.

Built for teams managing conversion at scale

Offloader Wallets via API are for integrators who need stablecoin-to-fiat conversion as a programmatic primitive.

Common use cases:

• Treasury operations that auto-convert stablecoin receipts to USD or EUR daily, without manual dashboard intervention. Reduce costs by holding funds in USDC and converting to fiat only when needed.
• Payment platforms creating per-customer wallets for programmatic, high-volume settlement. Scale settlement without scaling headcount; conversion happens automatically, regardless of volume.
• Multi-sided platforms configuring per-integrator fees on stablecoin-to-fiat conversions. Capture margin on every conversion without touching individual transactions.
• AI agents that need to move on-chain proceeds into bank accounts automatically. Configure an Offloader Wallet once and conversion happens without any manual intervention.

Fees

Integrators can set a custom fee on each Offloader Wallet at creation, giving you control over conversion margins per wallet, per customer, or per use case.

Supported stablecoins and networks

Inbound stablecoins

• USDC: Arbitrum, Avalanche, Base, Ethereum, Polygon, Solana
• USDT: Ethereum, Tron

Fiat destinations

• USD — ACH / Wire
• EUR — SEPA

Getting started

Offloader Wallets via API are available now for all SpherePay customers.

Each customer must be registered via the Customer API, with completed KYC/KYB verification and an approved status before Offloader Wallets can be provisioned.

1. Review the full API documentation
2. Test your integration in the SpherePay sandbox
3. Deploy to production

Note: Transfer history is available via the standard Transfer API. Webhook notifications are not currently supported.

Questions? Reach out to your SpherePay representative, or email us at support@spherepay.co.

New to SpherePay? Get started here.

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