Give your users dollar access with an
Onramper account
Provision named deposits through Onramper Accounts that automatically convert fiat deposits to USD stablecoins and deliver them to your users' wallets. No US bank account required.
Key benefits
Unlock USD where banks can't
Serve customers across LATAM, Africa, and APAC where demand for USD far exceeds access, no US bank account required.
Protect value from volatility
Stablecoins are designed to hold 1:1 dollar parity, protecting your users' purchasing power even when local currencies fluctuate.
Move dollars faster and cheaper
Bypass correspondent banks entirely. Convert between local currency and USD at near-market rates with same-day settlement.
How it works
Getting started with Onramper Accounts
Onboard user
User completes KYC and receives a named USD deposit account, provisioned automatically via API.
Fund in local currency
Deposit local currency through local payment rails. Funds auto-convert to USD-pegged stablecoins.
Transact in USD
Stablecoins land in the user's own wallet at stable dollar value. Users can transfer or spend at any time.
Withdraw to local bank
Convert back to local currency at any time and deposit directly to the user's bank account.
Industries using dollar access
Learn how SpherePay supports businesses operating at scale.
Neobanks and digital wallets
Offer USD deposits as a core feature. Let your users transact in dollar-denominated assets without leaving your app.
Global businesses in emerging markets
Give customers in high-inflation economies a way to protect their purchasing power with stable USD balances.
PSPs, marketplaces, and payroll platforms
Power dollar-denominated savings products and remittance flows with instant on/off-ramps and local KYC.
Explore other use cases
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Treasury and liquidity
Rebalance working capital, reduce idle cash, and move USD between entities and accounts faster than legacy rails.
Cross-border payments
Send and receive payments across borders with same-day settlement, lower fees, and full traceability via stablecoin rails.
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On/off-ramp
Build conversions directly into your product, letting end users buy or sell stablecoins with a unified API.