Onramper Account API

Onramper Account API: USD & EUR Fiat-to-Stablecoin Onramps

We’re excited to introduce SpherePay’s Onramper Account API, an API-first solution that enables automated USD and EUR fiat-to-stablecoin conversion through a single, programmable integration.

Designed for crypto-native businesses, fintechs, and developers, the Onramper Account API removes the operational complexity of fiat onramps by orchestrating regulated deposit flows and onchain delivery. Incoming fiat transfers are processed via regulated partners and converted into stablecoins automatically, without manual reconciliation or exchange-based workflows.

Banking and payment services are provided by regulated partners and, where applicable, Sphere’s licensed affiliates. Availability varies by jurisdiction.

The Problem We’re Solving

Traditional fiat-to-crypto onboarding is fragmented and operationally heavy. End users and businesses are often required to:

• Navigate complex exchange interfaces
• Manually initiate fiat-to-crypto conversions
• Wait through multiple confirmation steps
• Manage inconsistent settlement times and opaque fees

For teams building crypto-enabled products, this friction leads to higher drop-off, lower conversion, and increased operational overhead.

Onramper Accounts abstract these steps into a single API-driven flow.

Automated Fiat-to-Stablecoin Infrastructure

Onramper Accounts allow businesses to programmatically provision unique USD or EUR deposit instructions that are linked to a specified destination wallet.

When fiat funds are received through supported rails, they are automatically converted into the designated stablecoin and delivered onchain, with no manual intervention required from the end user or the business.

How it works

• Create an Onramper Account via the API
• Receive unique deposit instructions for USD or EUR transfers
• End users send fiat via standard bank transfers
• Conversion is triggered automatically upon receipt
• Stablecoins are delivered directly to the configured wallet address

This enables a fully automated, end-to-end fiat-to-stablecoin flow without relying on exchanges or manual treasury operations.

Supported Currencies, Stablecoins, and Networks

Supported Fiat Currencies

• USD
• EUR

Supported Stablecoins and Networks

• USDC on Arbitrum, Avalanche, Base, Ethereum, Polygon, and Solana
• USDT on Ethereum and Tron

Multi-chain support ensures businesses can serve users across ecosystems without fragmentation.

Built for Global Scale

Onramper Accounts support global usage, excluding sanctioned jurisdictions. Businesses can offer fiat onramps to international customers without managing region-specific banking integrations or multiple onramp providers.

Whether you’re building a DeFi protocol, payments platform, marketplace, or embedded crypto experience, the Onramper Account API enables global fiat access through a single integration.

Developer-First API Design

The Onramper Account API is designed to give developers full programmatic control over the lifecycle of fiat-to-stablecoin flows.

Create an Onramper Account

POST /v2/virtualAccount


{
 "customerId": "customer_1ab2c3d4",
 "sourceCurrency": "USD",
 "destinationCurrency": "USDC",
 "network": "ethereum",
 "walletAddress": "0x1234...abcd"
}


Example API Response

{
 "id": "onramperAccount_987xyz654",
 "active": true,
 "fees": {
   "totalBpsRate": "20",
   "integratorFee": { "bpsRate": "10" },
   "platformFee": { "bpsRate": "10" }
 },
 "depositInstructions": {
   "currency": "USD",
   "bankName": "Bank of Example",
   "bankAccountNumber": "000123456789",
   "bankRoutingNumber": "1234567890",
   "bankBeneficiaryName": "John Doe",
   "bankBeneficiaryAddress": "123 Main St, Anytown, USA"
 },
 "destination": {
   "currency": "USDC",
   "walletAddress": "0x1234...abcd",
   "network": "ethereum"
 },
 "created": "2025-04-20T21:49:46.697Z",
 "updated": "2025-04-20T21:50:18.854Z"
}


Lifecycle Management and Controls

Beyond initial provisioning, the API supports full lifecycle management:

• Retrieve account status and metadata
• Update destination or configuration parameters
• List accounts by customer
• Deactivate and reactivate accounts programmatically

This allows teams to manage fiat-to-stablecoin flows at scale without operational bottlenecks.

Built-In Verification Support

Onramper Accounts support standard financial verification methods, including micro-deposits and challenge deposits. This makes it easy for users to connect flows from payroll systems, fintech applications, and other financial platforms where verification is required.

Security and Compliance by Design

Security and compliance are foundational to the Onramper Account API:

• Comprehensive KYC and KYB processes
• SOC 2–aligned security practices
• Ongoing AML monitoring
• Regulatory compliance across supported jurisdictions

The infrastructure is built to support production-grade, regulated financial applications.

Getting Started

To integrate Onramper Accounts, you’ll need:

• An active SpherePay merchant account with completed KYC
• Customer registration via the Customer API
• API integration using Sphere’s developer documentation

Onramper Accounts are available in both sandbox and production environments, with full documentation and examples to support implementation.

Looking Ahead

This release is the foundation of a broader roadmap. We’re continuing to expand Onramper Accounts with additional currencies, enhanced controls, and deeper developer tooling.

Our goal is simple: make fiat-to-stablecoin flows as seamless and reliable as traditional payments.

Start Building Today

Onramper Accounts represent a cleaner way to integrate fiat and stablecoins without the friction of manual conversions or fragmented user flows.

Ready to get started?
Explore the Onramper Account API documentation or contact our team to learn more about pricing and integration support.

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