Create a wallet

curl --request POST \
  --url https://api-sandbox.circle.com/v1/borrow/wallets \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "idempotencyKey": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "ownerKey": "<string>",
  "credentialId": "<string>"
}
'

import requests

url = "https://api-sandbox.circle.com/v1/borrow/wallets"

payload = {
    "idempotencyKey": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "ownerKey": "<string>",
    "credentialId": "<string>"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    idempotencyKey: '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    ownerKey: '<string>',
    credentialId: '<string>'
  })
};

fetch('https://api-sandbox.circle.com/v1/borrow/wallets', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api-sandbox.circle.com/v1/borrow/wallets",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'idempotencyKey' => '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    'ownerKey' => '<string>',
    'credentialId' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.circle.com/v1/borrow/wallets"

	payload := strings.NewReader("{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"ownerKey\": \"<string>\",\n  \"credentialId\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api-sandbox.circle.com/v1/borrow/wallets")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"ownerKey\": \"<string>\",\n  \"credentialId\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api-sandbox.circle.com/v1/borrow/wallets")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"ownerKey\": \"<string>\",\n  \"credentialId\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

{
  "data": {
    "id": "1a2b3c4d-5e6f-7089-abcd-ef1234567890",
    "jobType": "wallet_setup",
    "status": "received",
    "createDate": "2026-06-20T14:10:00.000Z",
    "updateDate": "2026-06-20T14:10:00.000Z"
  }
}

{
  "code": 400,
  "message": "Bad request."
}

{
  "code": 401,
  "message": "Malformed authorization."
}

{
  "code": 3,
  "message": "Forbidden"
}

{
  "code": 409,
  "message": "Conflicts with another request."
}

POST

borrow

wallets

Create a wallet

curl --request POST \
  --url https://api-sandbox.circle.com/v1/borrow/wallets \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "idempotencyKey": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "ownerKey": "<string>",
  "credentialId": "<string>"
}
'

import requests

url = "https://api-sandbox.circle.com/v1/borrow/wallets"

payload = {
    "idempotencyKey": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "ownerKey": "<string>",
    "credentialId": "<string>"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    idempotencyKey: '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    ownerKey: '<string>',
    credentialId: '<string>'
  })
};

fetch('https://api-sandbox.circle.com/v1/borrow/wallets', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api-sandbox.circle.com/v1/borrow/wallets",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'idempotencyKey' => '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    'ownerKey' => '<string>',
    'credentialId' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.circle.com/v1/borrow/wallets"

	payload := strings.NewReader("{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"ownerKey\": \"<string>\",\n  \"credentialId\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api-sandbox.circle.com/v1/borrow/wallets")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"ownerKey\": \"<string>\",\n  \"credentialId\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api-sandbox.circle.com/v1/borrow/wallets")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"ownerKey\": \"<string>\",\n  \"credentialId\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

{
  "data": {
    "id": "1a2b3c4d-5e6f-7089-abcd-ef1234567890",
    "jobType": "wallet_setup",
    "status": "received",
    "createDate": "2026-06-20T14:10:00.000Z",
    "updateDate": "2026-06-20T14:10:00.000Z"
  }
}

{
  "code": 400,
  "message": "Bad request."
}

{
  "code": 401,
  "message": "Malformed authorization."
}

{
  "code": 3,
  "message": "Forbidden"
}

{
  "code": 409,
  "message": "Conflicts with another request."
}

Authorizations

Authorization

string

header

required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Body

application/json

Request to create your wallet. Provide your passkey's public key and WebAuthn credential ID. Circle derives the MSCA address and signs all UserOperations for you.

idempotencyKey

string<uuid>

required

Idempotency key (UUID v4) for this request. Reusing it with a different body returns 409 Conflict.

ownerKey

string

required

Hex-encoded raw P256 public key bytes of your passkey.

credentialId

string

required

Hex-encoded WebAuthn credential identifier captured during passkey registration. Stored on the passkey owner record and returned by GET /v1/borrow/wallets.

Response

Request to create a wallet accepted. Poll the returned job to track its status.

data

object

An async onchain operation. Each job represents one of: borrow, repay, add collateral, wallet setup, owner change, or residual withdraw. Poll this resource until the job reaches a terminal status (completed, failed, or approval_rejected). Fields that do not apply to the current status or job type are omitted rather than returned as null.

Show child attributes

Example:

{
  "id": "b3d9d2d5-4c12-4946-a09d-953e82fae2b0",
  "jobType": "borrow",
  "status": "completed",
  "amount": "1000.00",
  "asset": "USD",
  "collateralAmount": "0.05",
  "collateralAsset": "CIRBTC",
  "toAddress": "0x5a0b4a11d3f9b2c1e8a7d6c5b4a39281f0e1d2c3",
  "loanId": "fc988ed5-c129-4f70-a064-e5beb7eb8e32",
  "transferId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "oraclePrice": "67234.51",
  "userOpHash": "0x9f8e7d6c5b4a39281f0e1d2c3b4a5968778695a4b3c2d1e0f9a8b7c6d5e4f3a2",
  "txHash": "0x1a2b3c4d5e6f70819293a4b5c6d7e8f90a1b2c3d4e5f60718293a4b5c6d7e8f9",
  "createDate": "2026-06-20T14:20:00.000Z",
  "updateDate": "2026-06-20T14:22:00.000Z"
}

Core API

API overview

Core API for institutions

Cross-currency API

Reserve management API

Credit API

Digital Asset-Backed Borrowing

Partner Onboarding API

Crypto deposits API

Crypto payouts API

Create a wallet

Authorizations

Body

Response