Treasury

Manage liquidity across fiat currencies, stablecoins, and payment networks from a single infrastructure layer. StableStack helps treasury and finance teams move operational liquidity between markets, currencies, and settlement networks without maintaining separate payment integrations for every corridor.

What You Can Build

Stablecoin treasury management
Cross-border liquidity movement
Fiat to stablecoin conversion
Stablecoin to fiat conversion
Liquidity rebalancing
Funding of local payout operations
USD liquidity management
Multi-currency settlement
Operational wallet management

How the Flow Works

Treasury operations typically follow this pattern: Source liquidity → StableStack → conversion / liquidity routing → destination asset → wallet or payment rail The destination can be another stablecoin, fiat currency, wallet, or bank account depending on the use case.

Common Flows

Fiat to Stablecoin

USD → USDC A business converts fiat liquidity into a supported stablecoin for cross-border movement or operational settlement.

Stablecoin to Fiat

USDT → USD Stablecoin liquidity is converted into USD and routed to a supported bank rail.

Stablecoin to Stablecoin

USDT → USDC A business can move between supported stablecoins when required for liquidity management, network availability, or downstream settlement.

Cross-Border Liquidity Movement

NGN → USDT → USD Local liquidity is converted into a stablecoin, moved through the supported network, and converted into the required settlement currency.

Treasury Rebalancing

StableStack can be used to move liquidity between operational balances. For example: USD balance → USDC → supported blockchain → local payout liquidity This allows a treasury operation to prepare liquidity before customer or supplier payouts are initiated.

Liquidity Routing

StableStack’s liquidity layer sits between the source of funds and the final settlement rail. The objective is to determine an available route based on factors such as:

Source currency
Destination currency
Stablecoin
Blockchain network
Destination country
Payment rail
Available liquidity
Transaction requirements

Your application does not need to maintain a separate integration for every route.

Example

A financial platform needs to fund NGN payouts from USD liquidity. USD → USDC → StableStack → NGN → NIBSS → beneficiary The application can initiate the transaction while StableStack orchestrates the conversion and payout flow.

Core Flow

Set up merchant-level wallets for each reserve

Create separate merchant wallets for different purposes (e.g., a USDC wallet on ERC20 for operational receipts, a USDC wallet on Polygon as a secondary reserve). No customer_id is required for merchant wallets.

POST /wallets

{
	"currency": "USDC",
	"network": "erc20",
	"description": "Primary USDC reserve (ERC20)"
}

{
	"currency": "USDC",
	"network": "polygon",
	"description": "Secondary USDC reserve (Polygon)"
}

View all wallets and balances

Get a consolidated view of all merchant wallets and their balances for treasury reporting.

GET /wallets

Distribute funds to subsidiaries or partners

When disbursing to an entity with a crypto wallet, send directly to their stablecoin address.

POST /payouts/wallets

{
	"currency": "USDC",
	"address": "RecipientWalletAddressHere",
	"amount": 50000,
	"network": "erc20",
	"recipient_name": "Partner Entity Ltd"
}

Off-ramp to a bank account

Convert stablecoin reserves to fiat and pay directly into a bank account — useful for covering local operating expenses or settling invoices.

POST /payouts/banks

{
	"currency": "USDC",
	"account_number": "0123456789",
	"bank_name": "Zenith Bank",
	"bank_code": "000015",
	"amount": "10000",
	"recipient_name": "Operations Account",
	"recipient_currency": "NGN",
	"recipient_country": "Nigeria"
}

Audit the full transaction history

Query all transactions across your merchant account for reconciliation, audits, or reporting.

GET /transactions

Filter by transaction ID or reference ID for precise lookups:

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

Treasury Architecture Pattern

A typical StableStack treasury setup uses layered wallets:

Merchant Account
├── USDC / ERC20    → Operational reserve (inbound receipts)
├── USDC / Polygon  → Liquidity buffer (outbound payments)
└── NGN / Fiat      → Local operating expenses (bank withdrawals)

Each wallet has a dedicated on-chain address. Inbound deposits trigger wallet.transaction.inbound webhooks, giving your treasury system real-time visibility.

Key APIs Used

Endpoint	Purpose
`POST /wallets`	Create merchant wallets
`GET /wallets`	View all wallets and balances
`GET /wallets/{wallet_id}`	Get a specific wallet
`POST /payouts/wallets`	Send stablecoin to an external wallet
`POST /payouts/banks`	Off-ramp to a local bank account
`GET /transactions`	Full transaction history
`GET /payouts/fees`	Pre-check payout fees

Relevant Webhook Events

Event	Trigger
`wallet.transaction.inbound`	Funds received into a wallet
`wallet.transaction.outbound`	Funds sent from a wallet
`payout.completed`	Bank or wallet payout confirmed
`payout.failed`	Payout failed — requires retry

Next Steps

Authentication — Get your API key
Webhook Security — Verify webhook signatures
Stablecoin Coverage — Supported networks and assets

Get Started

Webhooks

Libraries

Coverage

Use Cases

Prohibited

What You Can Build

How the Flow Works

Common Flows

Fiat to Stablecoin

Stablecoin to Fiat

Stablecoin to Stablecoin

Cross-Border Liquidity Movement

Treasury Rebalancing

Liquidity Routing

Example

Core Flow

Treasury Architecture Pattern

Key APIs Used

Relevant Webhook Events

Next Steps

​What You Can Build

​How the Flow Works

​Common Flows

​Fiat to Stablecoin

​Stablecoin to Fiat

​Stablecoin to Stablecoin

​Cross-Border Liquidity Movement

​Treasury Rebalancing

​Liquidity Routing

​Example

​Core Flow

​Treasury Architecture Pattern

​Key APIs Used

​Relevant Webhook Events

​Next Steps

What You Can Build

How the Flow Works

Common Flows

Fiat to Stablecoin

Stablecoin to Fiat

Stablecoin to Stablecoin

Cross-Border Liquidity Movement

Treasury Rebalancing

Liquidity Routing

Example

Core Flow

Treasury Architecture Pattern

Key APIs Used

Relevant Webhook Events

Next Steps