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Overview

Global trade businesses — exporters, commodity traders, and international distributors — face high FX costs, slow settlement times, and fragmented banking rails when paying overseas suppliers. StableStack eliminates these friction points by letting you send stablecoin-backed payments that settle directly into a recipient’s local bank account.

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Core Flow

1

Onboard your suppliers as customers

Register each supplier (individual or business) as a customer in StableStack. This creates a managed profile you can attach wallets and payout methods to.
POST /business-customers

{
  "business_name": "Lagos Export Co.",
  "email": "finance@lagosexport.com",
  "country": "Nigeria",
  "phone": "+2348012345678"
}
2

Create a stablecoin wallet for the customer

Provision a USDC wallet for the supplier. This wallet acts as the staging point for funds before they are withdrawn to fiat.
POST /wallets

{
  "customer_id": "CUSTOMER_ID",
  "currency": "USDC",
  "network": "erc20",
  "description": "Supplier settlement wallet"
}
3

Add the supplier's bank account as a payout method

Save the supplier’s local bank details so payouts can be reused without re-entering account information each time.
POST /payout/methods/banks

{
  "customer_id": "CUSTOMER_ID",
  "account_number": "0123456789",
  "bank_code": "000004",
  "bank_name": "United Bank for Africa",
  "currency": "NGN",
  "country": "Nigeria",
  "recipient_name": "Lagos Export Co."
}
4

Check fees before initiating a payout

Fetch the current fee for a fiat payout so you can display costs transparently or build them into your pricing.
GET /payouts/fees?currency_type=FIAT&currency=USDC&recipient_currency=NGN&amount=5000
5

Pay the supplier — stablecoin to local bank

Initiate a bank withdrawal. StableStack converts the stablecoin to the recipient’s local currency and delivers it via local banking rails.
POST /payouts/banks

{
  "customer_id": "CUSTOMER_ID",
  "currency": "USDC",
  "account_number": "0123456789",
  "bank_name": "United Bank for Africa",
  "bank_code": "000004",
  "amount": "5000",
  "recipient_name": "Lagos Export Co.",
  "recipient_currency": "NGN",
  "recipient_country": "Nigeria"
}
6

Track the payment

Monitor the payout status via the transactions API or listen for real-time webhook events.
GET /customers/transactions/by_ref_id/{reference_id}
Relevant webhook events:
  • payout.initiated
  • payout.processing
  • payout.completed
  • payout.failed

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Supported Corridors

StableStack supports payout to the following fiat currencies relevant to global trade:
RegionCurrencyPayout
NigeriaNGN✅
South AfricaZAR✅
United StatesUSD✅
EuropeEUR✅
GhanaGHSQ3
KenyaKESQ4
UAEAEDQ4

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Key APIs Used

EndpointPurpose
POST /business-customersRegister a supplier
POST /walletsCreate a stablecoin wallet
POST /payout/methods/banksSave a bank payout method
GET /payouts/feesFetch fees before sending
POST /payouts/banksInitiate a bank payout
GET /customers/transactions/by_ref_id/{reference_id}Track transaction status

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Next Steps