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Overview

Liquidity Settlement enables real-time stablecoin transfers from your prefunded Superbank account to any destination wallet. This is ideal for payouts, settlements, and treasury operations.
TL;DR
  1. Superbank pre-positions liquidity in your prefunded account
  2. You create a payment and notify when fiat is sent
  3. Superbank instantly settles stablecoins to the destination wallet
  4. When fiat arrives, Superbank reconciles the utilized liquidity

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How It Works

The Liquidity Settlement flow decouples user payment finality from blockchain settlement, allowing instant transfers while underlying fiat transfers complete asynchronously.

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Prerequisites

Before you begin, ensure you have:
  • A Superbank developer account with API access
  • A prefunded account with sufficient USDC balance
  • Your API key from the Dashboard

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Quick Start

1

Create a Payment

Create a LIQUIDITY payment specifying the destination wallet and amount.
curl -X POST https://api-sandbox.superbank.com/v1/payments \
  -H "Content-Type: application/json" \
  -H "X-Api-Key: your-api-key" \
  -d '{
    "type": "LIQUIDITY",
    "amount": 100.00,
    "currency_code": "USDC",
    "chain": "SOLANA",
    "destination_wallet": "7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU",
    "account_holder": {
      "type": "INDIVIDUAL",
      "first_name": "John",
      "last_name": "Doe",
      "email": "[email protected]"
    }
  }'
Response:
{
  "id": "pay_abc123def456",
  "reference_id": "ref_xyz789",
  "type": "LIQUIDITY",
  "status": "CREATED",
  "amount": "100.00",
  "currency_code": "USDC",
  "chain": "SOLANA",
  "destination_wallet": "7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU",
  "expires_at": "2026-01-20T12:00:00.000Z",
  "created_at": "2026-01-20T10:00:00.000Z"
}
2

Notify Incoming Payment

Once fiat transfer has been intialized from your end user, notify Superbank to trigger the stablecoin transfer.
cURL
curl -X POST https://api-sandbox.superbank.com/v1/payments/notifications \
  -H "Content-Type: application/json" \
  -H "X-Api-Key: your-api-key" \
  -d '{
    "reference_id": "ref_xyz789"
  }'
This triggers the instant settlement from your prefunded wallet to the destination wallet.
3

Monitor Payment Status

Check the payment status or wait for the webhook.
cURL
curl -X GET https://api-sandbox.superbank.com/v1/payments/pay_abc123def456 \
  -H "X-Api-Key: your-api-key"
Response (completed):
{
  "id": "pay_abc123def456",
  "status": "COMPLETED",
  "transaction_hash": "5wHu1qwD7q4bJCRrA...",
  "completed_at": "2026-01-20T10:00:15.000Z"
}
4

Handle Webhooks

Set up a webhook endpoint to receive real-time payment updates.
cURL
curl -X POST https://api-sandbox.superbank.com/v1/webhooks \
  -H "Content-Type: application/json" \
  -H "X-Api-Key: your-api-key" \
  -d '{
    "url": "https://your-app.com/webhooks/superbank",
    "events": ["payment.completed", "payment.failed"]
  }'
Webhook payload:
{
  "id": "evt_abc123",
  "type": "payment.completed",
  "data": {
    "id": "pay_abc123def456",
    "status": "COMPLETED",
    "transaction_hash": "5wHu1qwD7q4bJCRrA..."
  }
}

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Payment Lifecycle

StatusDescription
CREATEDPayment created, awaiting notification
PROCESSINGNotification received, blockchain transfer in progress
COMPLETEDTransfer confirmed on-chain
FAILEDTransfer failed
EXPIREDPayment not notified within time limit

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Supported Chains

ChainCurrencySettlement Time
SolanaUSDCReal-time
EthereumUSDCReal-time
PolygonUSDCReal-time
BaseUSDCReal-time
TronUSDTReal-time

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Account Holder Information

For compliance purposes, you must provide account holder information for new destination wallets:

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Individual

{
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "John",
    "last_name": "Doe",
    "email": "[email protected]"
  }
}

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Business

{
  "account_holder": {
    "type": "BUSINESS",
    "business_name": "Acme Corporation",
    "email": "[email protected]"
  }
}

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Next Steps

Authentication

Learn about API key authentication

Webhooks

Set up real-time notifications

Error Handling

Handle errors gracefully

Payments

Understand the payment lifecycle