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The Credit API provides programmatic access to Circle Mint’s credit products. You can initiate draws, track transfer status, manage fees, and process repayments through a dedicated set of endpoints under /v1/credit/.
The Credit API is available to institutional Circle Mint customers with an approved credit facility. A separate offline credit contract through Circle is required before you can access these endpoints.Contact Circle to learn more about credit products.

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Credit products

Settlement Advance

Bridges settlement timing gaps through a reserve-then-request flow. You reserve funds, upload wire proof, and wait for Treasury approval before disbursement.

Line of Credit

Single-request draws with auto-approval and asynchronous disbursement. No wire proof required. Supports crypto repayment directly from your Circle Mint wallet.

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Key concepts

  • Credit line: Your facility object, including credit limit, used and available amounts, fee rates, minimum balance requirement, and validation errors. Each customer has one credit line.
  • Credit transfers: Individual draw requests against your credit line. Settlement Advance transfers progress through funds_reserved, requested, disbursed, and paid. Line of Credit transfers progress through requested, disbursed, and paid. Both can reach past_due if unpaid after the due date.
  • Fees: A draw fee (Settlement Advance only) charged at disbursement and a daily fee (both products) accrued every 24 hours. Fees are auto-deducted from your Circle Mint wallet balance.
  • Minimum balance: A required USDC balance (minBalance) that you must maintain in your Circle Mint wallet while you have an active credit line.
  • Validation errors: Conditions that block new transfer creation, such as INSUFFICIENT_BALANCE, PENDING_FEES, or OVERDUE_TRANSFERS. Returned in the credit line response so you can resolve them before initiating a draw.

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Prerequisites

Before you can use the Credit API, you need:
  • An active credit contract with Circle, established through an offline agreement. Contact your Circle representative to initiate the process.
  • A Circle Mint account with API credentials configured.
  • The Credit API entitlement enabled on your account. Your Circle representative can confirm this is active.

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Get started

Quickstart: Settlement Advance

Reserve funds, upload wire proof, and track your advance through disbursement

Quickstart: Line of Credit

Request a draw, monitor its status, and repay using crypto