Sphere Dashboard — User Guide

Last updated: June 8, 2026

Getting Started

1. Logging In & Creating Your First Transfer

Log in to the Sphere Dashboard, then:

  • Click Create (top-left corner)

  • Click Create Transfer to initiate your first payout

⚠  KYB Required

If KYB verification is incomplete, you will be prompted to accept the Terms of Service and submit verification documents before proceeding.

2. Understanding Transfers

Transfer Type

Description

Off-ramp

Converts stablecoins → fiat currency (withdrawal to your bank account)

On-ramp

Converts fiat currency → stablecoins (deposit to your wallet)

3. Supported Currencies & Payment Networks

Currency

Payment Network(s)

USD

Fedwire or ACH

EUR

SEPA

4. Connecting a Bank Account

When adding a bank account, enter the following details:

Field

Details

Bank Name

Name of the financial institution (e.g. Chase, HSBC)

Account Holder Name

Name the account is registered under (individual or company)

Beneficiary Address

Registered address associated with the account

Routing Number / BIC

For USD: confirm with your bank whether the routing is for ACH or Fedwire. Incorrect routing will cause failed transactions.

Nickname

Optional label for easy identification (e.g. “ACH Account”, “Checking”)

5. Connecting a Wallet

Connect your preferred wallet and select the blockchain network you wish to use. Supported wallets include Phantom and MetaMask.

6. Off-Ramp Transfer (Stablecoin → Fiat)

To withdraw stablecoins to your bank account:

  • Select the wallet and network you are sending from

  • Select the bank account to receive the fiat currency

  • Click Transfer, then approve the transaction in your wallet

📝 Wire Transfers

For wire transfers, include the “For Further Credit” (FFC) information in the memo field. Access this via the Additional Details dropdown.

7. On-Ramp Transfer (Fiat → Stablecoin)

To deposit fiat currency and receive stablecoins:

  • Select the bank account that will send the fiat currency

  • Select the network and wallet that will receive the stablecoins

  • Click Get Instructions to retrieve your deposit details

7.1  Completing Your Deposit

Use the provided deposit instructions to manually initiate a transfer from your bank’s dashboard.

⚠  Important

Always include the deposit message / reference code in the memo or reference field. Missing this may cause delays or rejection of your transfer.

8. Automated Off-Ramps — Offload Wallet

What Is an Offload Wallet?

An Offload Wallet is a custodial wallet provided by Sphere’s banking partner that automatically converts incoming stablecoins to fiat and deposits them into your linked bank account.

🔴  Critical Warning

An Offload Wallet is configured for a specific token (USDC or USDT) on a specific network. Sending the wrong token or using the wrong network will result in permanent, unrecoverable loss of funds.

How to Create an Offload Wallet

Step 1 — Go to Bank Accounts

Navigate to Transfers → Bank Accounts from the dashboard homepage.

Step 2 — Link a Bank Account (if needed)

Click the blue “Connect Bank Account” button and complete the setup.

Step 3 — Generate the Wallet

  • Locate your linked bank account

  • Click the three-dot menu under Actions

  • Select Generate Wallet

Step 4 — Configure Your Wallet

  • Choose your preferred blockchain network from the dropdown

  • Select the token: USDC or USDT

  • For USD accounts, select your transfer method: ACH or Fedwire

💰  Fee Note

A 0.2% standard fee applies to all transactions sent to Offload Wallets.

Step 5 — Use the Wallet

The generated wallet address is ready to receive stablecoins. Any funds sent to it will be automatically converted to fiat and deposited into your linked bank account.