Financial Institutions

Embed stablecoin-enabled cross-border payments, collections, and payouts into your financial products. StableStack provides financial institutions with infrastructure for connecting customers to fiat payment rails, stablecoin networks, and cross-border settlement.

What You Can Build

Customer stablecoin wallets
Fiat on-ramp and off-ramp
Cross-border payments
Customer collections
Local currency payouts
Stablecoin-funded payouts
Merchant and sub-merchant settlement
Treasury and liquidity operations
Embedded payment infrastructure

How the Flow Works

A financial institution can use StableStack as the underlying payment orchestration layer. Customer → your platform → StableStack → conversion / liquidity → payment rail or blockchain → beneficiary Your application remains the customer-facing layer while StableStack handles the underlying payment infrastructure.

Customer Collections

Collect funds in supported fiat currencies or stablecoins. For example: Customer NGN → StableStack → platform balance Or: Customer USDT → StableStack → platform balance Funds can then be converted, held, or routed for another transaction.

Customer Payouts

A financial institution can initiate payouts from fiat or stablecoin balances.

Stablecoin to Local Payout

USDT → StableStack → NGN → NIBSS → customer bank account

Stablecoin to International Payout

USDC → StableStack → USD → Fedwire → beneficiary

Fiat to International Payout

NGN → StableStack → USD → SWIFT → beneficiary

Merchant and Sub-Merchant Settlement

Platforms can use StableStack to manage settlement across merchants and sub-merchants. A typical flow can be: Customer payment → platform → merchant balance → StableStack → merchant payout The destination can be a local bank account, international payment rail, or supported stablecoin network.

Cross-Border Customer Payments

Financial institutions can expose cross-border payment capabilities without integrating each payment rail directly. For example: Customer NGN → StableStack → USDT/USDC → USD → international rail → beneficiary The institution controls the customer experience while StableStack orchestrates the underlying transaction.

Compliance and Transaction Management

StableStack supports the infrastructure required to operate payment flows, including:

Customer management
KYC/KYB workflows
Transaction tracking
Payment orchestration
Wallet management
Address validation
Transaction status updates

Institutions remain responsible for their own regulatory obligations and customer relationships. Transaction availability is also subject to StableStack’s supported corridors, compliance controls, and banking or liquidity partners.

Build on StableStack

StableStack can be used in three ways:

Extend Your Existing Operations

Use StableStack APIs to power internal treasury, settlement, and payment operations.

Embed Into Your Product

Expose StableStack-powered payments directly inside your customer experience.

Build a Payment Product

Use StableStack as the underlying infrastructure for wallets, cross-border payments, collections, and payouts.

Core Flow

KYC your customers and register them

Register each end-customer in StableStack with the appropriate customer type. Upload KYC documents to satisfy compliance requirements.Create a customer:

POST /individual-customers

{
	"first_name": "Amara",
	"last_name": "Osei",
	"email": "amara.osei@example.com",
	"country": "Ghana",
	"phone": "+233244000000"
}

Upload KYC documents:

POST /customers/{customer_id}/kyc

Upload identity documents (passport, national ID, utility bill) as multipart form data.

Provision stablecoin wallets per customer

Issue a dedicated stablecoin wallet to each customer on your platform. The wallet address is unique to the customer and can be used to receive inbound deposits.

POST /wallets

{
	"customer_id": "CUSTOMER_ID",
	"currency": "USDC",
	"network": "erc20",
	"description": "Customer USDC account"
}

Manage customer payout beneficiaries

Let customers save their preferred bank accounts or external wallets for fast repeat payouts.Add a bank beneficiary:

POST /payout/methods/banks

{
	"customer_id": "CUSTOMER_ID",
	"account_number": "0987654321",
	"bank_code": "000013",
	"bank_name": "GTBank",
	"currency": "NGN",
	"country": "Nigeria",
	"recipient_name": "Amara Osei"
}

Add a wallet beneficiary:

POST /payout/methods/wallets

{
	"customer_id": "CUSTOMER_ID",
	"address": "RecipientWalletAddressHere",
	"network": "erc20",
	"currency": "USDC",
	"recipient_name": "Amara Osei"
}

Process customer payouts

Execute withdrawals on behalf of customers — to local bank accounts (remittance) or external stablecoin wallets.Bank payout (remittance):

POST /payouts/banks

{
	"customer_id": "CUSTOMER_ID",
	"currency": "USDC",
	"account_number": "0987654321",
	"bank_name": "GTBank",
	"bank_code": "000013",
	"amount": "500",
	"recipient_name": "Amara Osei",
	"recipient_currency": "NGN",
	"recipient_country": "Nigeria"
}

Stablecoin wallet payout:

POST /payouts/wallets

{
	"customer_id": "CUSTOMER_ID",
	"currency": "USDC",
	"address": "RecipientWalletAddressHere",
	"amount": 200,
	"network": "erc20",
	"recipient_name": "Amara Osei"
}

Fetch customer transaction history

Provide customers with a full transaction history or pull records for compliance reporting.

GET /customers/transactions/by_customer_id/{customer_id}

For a specific transaction:

GET /customers/transactions/by_txid/{transaction_id}
GET /customers/transactions/by_ref_id/{reference_id}

Monitor all activity with webhooks

Configure webhooks to keep your core banking system in sync with every wallet event and payout status change.Key events to subscribe to:

wallet.transaction.inbound — Credit a customer’s account when funds arrive
wallet.transaction.outbound — Debit a customer’s account when funds leave
payout.completed — Confirm successful remittance delivery
payout.failed — Trigger retry logic or customer notification

Customer Account Architecture

A typical financial institution account structure on StableStack:

Institution (Merchant)
├── Merchant Wallets     → Liquidity pools (USDC / ERC20, USDC / Polygon)
└── Customers
		├── Customer A
		│   ├── Wallet: USDC / ERC20
		│   ├── Payout Method: GTBank NGN
		│   └── Transactions: history
		└── Customer B
				├── Wallet: USDC / Polygon
				└── Payout Method: External USDC wallet

Compliance Touchpoints

Requirement	StableStack Capability
Customer identity	`POST /individual-customers` or `POST /business-customers` + KYC upload
Transaction audit	`GET /transactions` with full history
Payout traceability	Reference IDs on every payout
Real-time monitoring	Webhook events for every state change

Key APIs Used

Endpoint	Purpose
`POST /individual-customers`	Register an individual customer
`POST /business-customers`	Register a business customer
`POST /customers/{customer_id}/kyc`	Upload KYC documents
`GET /customers`	List all customers
`POST /wallets`	Issue a wallet to a customer
`GET /wallets/{customer_id}/customer`	View all wallets for a customer
`POST /payout/methods/banks`	Save a customer’s bank beneficiary
`POST /payout/methods/wallets`	Save a customer’s wallet beneficiary
`GET /payout/methods/{payout_method_id}`	Retrieve a beneficiary
`POST /payouts/banks`	Execute a bank payout for a customer
`POST /payouts/wallets`	Execute a wallet payout for a customer
`GET /payouts/fees`	Pre-check payout fees
`GET /customers/transactions/by_customer_id/{id}`	Full transaction history per customer

Next Steps

Authentication — Get your API key
Webhooks — Set up real-time event notifications
Webhook Security — Verify webhook signatures
Supported Currencies — Available corridors

Get Started

Webhooks

Libraries

Coverage

Use Cases

Prohibited

Financial Institutions

What You Can Build

How the Flow Works

Customer Collections

Customer Payouts

Stablecoin to Local Payout

Stablecoin to International Payout

Fiat to International Payout

Merchant and Sub-Merchant Settlement

Cross-Border Customer Payments

Compliance and Transaction Management

Build on StableStack

Extend Your Existing Operations

Embed Into Your Product

Build a Payment Product

Core Flow

Customer Account Architecture

Compliance Touchpoints

Key APIs Used

Next Steps

​What You Can Build

​How the Flow Works

​Customer Collections

​Customer Payouts

​Stablecoin to Local Payout

​Stablecoin to International Payout

​Fiat to International Payout

​Merchant and Sub-Merchant Settlement

​Cross-Border Customer Payments

​Compliance and Transaction Management

​Build on StableStack

​Extend Your Existing Operations

​Embed Into Your Product

​Build a Payment Product

​Core Flow

​Customer Account Architecture

​Compliance Touchpoints

​Key APIs Used

​Next Steps

What You Can Build

How the Flow Works

Customer Collections

Customer Payouts

Stablecoin to Local Payout

Stablecoin to International Payout

Fiat to International Payout

Merchant and Sub-Merchant Settlement

Cross-Border Customer Payments

Compliance and Transaction Management

Build on StableStack

Extend Your Existing Operations

Embed Into Your Product

Build a Payment Product

Core Flow

Customer Account Architecture

Compliance Touchpoints

Key APIs Used

Next Steps