Create a new SpherePay customer and generate verification links. Supports 'individual' (requires address, optionally first/last name, DOB) and 'business' (requires business_information, registered/operating addresses) types. Returns the created customer with TOS and KYC verification links.

Run customer verification flow. Step 1: Call with phone_number to send OTP. Step 2: Call with otp_code to verify, then generates face verification link and submits. Returns progress with next steps.

Create a funding instrument (bank account or crypto wallet) for a customer. For bank_account: requires bank_name, account_name, currency ('usd' or 'eur'), account_details (accountNumber/routingNumber/accountType for USD; iban for EUR), and account_owner (accountHolderName, address). Optional: networks (list of strings, e.g. ['ach', 'wire']). For wallet: requires address (blockchain address) and network (ethereum, polygon, sol, base, arbitrum, tron, avalanche, optimism).

Execute a money transfer between funding instruments with automatic idempotency. Requires source_id and destination_id (bank account or wallet IDs), amount, source_currency, destination_currency, source_network, and destination_network. The idempotency key is auto-generated from parameters to prevent duplicate transfers. Supported networks: ach, wire, sepa (fiat); ethereum, polygon, sol, base, arbitrum, tron, avalanche, optimism (crypto).

Create and verify a business representative for a business customer. Creates the representative, generates a face verification link, and submits verification. Requires customer_id (must be a business customer), first_name, last_name, email, phone, date_of_birth, and address. Optional: roles, ownership_percentage, title.

Create a virtual account for automatic fiat-to-stablecoin conversion. Provides bank deposit instructions that auto-convert deposits to stablecoins. source_currency: 'usd' or 'eur'. destination_currency: 'usdc', 'usdt', or 'eurc'. network: blockchain network for destination (e.g., 'sol', 'ethereum', 'polygon'). wallet_address: destination wallet address. Optional integrator_bps_fee: basis points fee (default '0').

Create an offloader wallet for automatic stablecoin-to-fiat off-ramp. Requires customer_id, currency (stablecoin: 'usdc', 'usdt', 'eurc'), network (blockchain network), and wallet_address.

Create a webhook to receive event notifications. Provide a name, url (HTTPS endpoint), and events to subscribe to. Use ['*'] to subscribe to all events. Example events: customer.create, transfer.update, bankAccount.create. Returns a secret for webhook signature verification - save it.

Submit a CCTP (Cross-Chain Transfer Protocol) burn transaction for off-ramp redemption. source_chain: 'sei' or 'noble'. source_transaction_hash: the burn transaction hash from the source chain. transfer_id: the payout/transfer ID (format: payout_...).

Retrieve a SpherePay customer by ID. Returns customer details including verification status.

List SpherePay customers with pagination. Returns paginated customer list.

Retrieve a SpherePay transfer by ID. Returns transfer details including status.

List SpherePay transfers with pagination and optional filters.

Retrieve a SpherePay bank account by ID. Returns account details including status.

List SpherePay bank accounts with pagination. Optionally filter by customer_id.

Retrieve a SpherePay wallet by ID. Returns wallet details including address and network.

List SpherePay wallets with pagination. Optionally filter by customer_id.

Retrieve a SpherePay virtual account by ID. Returns account details including deposit instructions.

List SpherePay virtual accounts with pagination.

List transfers for a specific virtual account. Shows deposit activity and conversion history.

Retrieve a SpherePay offloader wallet by ID. Returns wallet details and off-ramp configuration.

List SpherePay offloader wallets with pagination.

Retrieve a SpherePay webhook by ID. Returns webhook details including delivery status and subscribed events.

Retrieve a SpherePay event by ID. Returns event details including type, payload, and webhook delivery records.