Skip to main content

Documentation Index

Fetch the complete documentation index at: https://developers.circle.com/llms.txt

Use this file to discover all available pages before exploring further.

Digital Asset Accounts lets distributors such as fintechs, platforms, and marketplaces offer stablecoin-backed accounts to their business end customers. Circle handles custody, compliance, and regulatory oversight under a Direct End-User Custody model. Distributors can focus on building great products without managing digital asset custody. Digital Asset Accounts supports USDC and EURC across multiple blockchains.
Digital Asset Accounts is a permissioned product. Contact your Circle representative to enable API access and request sandbox provisioning before you can call the Partner Onboarding and Digital Asset Accounts APIs.

​
Key features

Fiat Deposits and Withdrawals

Fund accounts through wire transfers and withdraw to bank accounts with automatic stablecoin minting and redemption

Crypto Transfers

Send and receive stablecoins to and from external blockchain addresses with full transaction tracking

Internal Transfers

Move funds instantly between sub-accounts in the same program with no blockchain fees

Custody Balances

View real-time balances across all accounts and currencies with Circle-managed custody

Transaction History

Access a complete audit trail of all deposits, withdrawals, transfers, and internal movements

Risk and Compliance

Built-in risk ratings, transaction limits, and compliance controls managed by Circle

​
What you can build

Integrate Digital Asset Accounts to power a range of financial services for your business customers.
Build stablecoin-powered wallet experiences for your business customers. Each customer gets a dedicated account with fiat on-ramps, crypto transfers, and real-time balance visibility—all backed by Circle’s custody infrastructure.
Enable fast, low-cost payouts to sellers and service providers on your marketplace. Use internal transfers for instant settlement between buyer and seller accounts. Offer flexible withdrawal options through wire or crypto.
Give small and medium businesses a stablecoin-based financial operating system. Your customers can receive payments, hold balances in USDC or EURC, and pay vendors and partners.
Build cross-border payment solutions that use stablecoins to skip correspondent banking delays. Your customers can send and receive funds globally with transparent pricing and near-instant settlement.

​
How it works

1

Onboard businesses

Use the Partner Onboarding API to submit business information, upload documents, and manage Know Your Business (KYB) verification programmatically. Once approved, each business entity receives a dedicated account with sub-accounts for holding USDC and EURC.
2

Fund accounts

Customers fund accounts by sending a wire transfer to their dedicated wire instructions or by depositing stablecoins to a blockchain-specific deposit address. Wire deposits are automatically minted into the corresponding stablecoin.
3

Move funds

Transfer funds instantly between sub-accounts in your program at no cost, or send stablecoins to external blockchain addresses. Withdraw to bank accounts through wire transfers with automatic stablecoin redemption.
4

Monitor accounts

Query account balances and transaction history through the API. Set up webhook notifications to receive real-time updates on deposits, withdrawals, and transfers.

​
Get started

Onboard customers

Create a business client, complete KYB, and get an active account

Fund account with wire deposit

Simulate your first deposit in sandbox

Account structure

Understand accounts, sub-accounts, and programs

Supported currencies and blockchains

View supported stablecoins and blockchains