Cross-border payments that settle the same day
Send and receive payments between countries with same-day settlement, lower all-in costs, and full on-chain traceability. One integration replaces your correspondent banking stack.
Key benefits
Open reliable corridors
Serve customers across LATAM, Africa, and APAC where demand for USD far exceeds access, no US bank account required.
Cut settlement times
Same-day settlement through stablecoin rails, compared to 3–5 business days through correspondent banking.
Simplify operations
One stack for funding, FX, delivery, and reporting. Replace fragmented providers with a single API that handles the full payment lifecycle.
How it works
Getting started with cross-border payments
Fund in USD or stablecoins
Deposit USD or stablecoins to fund your payment instruction via API or dashboard.
Route via stablecoin settlement
Payment routes through Sphere's stablecoin settlement layer for rapid processing.
Deliver to recipient
Deliver as stablecoin to recipient wallet or convert to recipient's local fiat currency.
Reconcile with reporting
Get references, confirmations, and reconciliation-ready reporting data.
Industries using cross-border payments
Learn how SpherePay supports businesses operating at scale.
Importers, exporters, and trading firms
Settle cross-border invoices and supplier payments faster with lower FX costs and full traceability.
PSPs, marketplaces, and payroll platforms
Scale cross-border payouts, marketplace settlements, and payroll runs through unified orchestration.
Global businesses in emerging markets
Move money into and out of markets where traditional banking corridors are slow, expensive, or unreliable.
Explore other use cases
Dollar access
Enable businesses and consumers in emerging markets to receive, send, and transact in USD without a US bank account.
.avif)
Treasury and liquidity
Rebalance working capital, reduce idle cash, and move USD between entities and accounts faster than legacy rails.
.avif)
On/off-ramp
Build conversions directly into your product, letting end users buy or sell stablecoins with a unified API.