Digital Asset Solution Overview

The Digital Assets API enables clients to seamlessly convert between fiat and digital assets and move value on‑chain using a regulated, bank‑grade infrastructure. The solution supports on‑ramp, off‑ramp, and digital asset payment flows, allowing clients to integrate digital asset settlement directly into their existing systems via API.

This enables clients to use digital assets as an additional settlement rail alongside traditional fiat payments—unlocking faster, 24/7, and globally accessible value transfer.

On-ramp payout

The on‑ramp payout API is designed to be simple. You define who you are transacting with, set the destination blockchain address, and then initiate the payout. The API converts your fiat balance into crypto and delivers it to the selected blockchain address, enabling a smooth flow from setup to execution.

Illustrative Flow

flowchart LR

%% -------------------------
%% Nodes
%% -------------------------
CL_prep["Set up recipient:<br/>Create profile and whitelist an address"]:::step
CL_req["Client requests payout<br/>100 USDC (in USD)"]:::step

BC_deduct["Deduct 100 USD<br/>from client's account"]:::step
BC_convert["Convert 100 USD<br/>to 100 USDC"]:::step

EU_recv["End user receives<br/>100 USDC"]:::step
CL_recv["Client receives<br/>100 USDC"]:::step

%% -------------------------
%% Lanes (aligned columns)
%% -------------------------
subgraph L1["BC Client"]
direction TB
CL_prep
CL_req
CL_recv
end

subgraph L2["BC Payment"]
direction TB
BC_deduct
BC_convert
end

subgraph L3["Recipient"]
direction TB
EU_recv
end

%% -------------------------
%% Flow
%% -------------------------
CL_prep --> CL_req --> BC_deduct --> BC_convert
BC_convert -->|3rd party payout| EU_recv
BC_convert -->|1st party payout| CL_recv

%% -------------------------
%% Brand theme styling
%% -------------------------
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style L1 fill:#FFFFFF,stroke:#008C6E,stroke-width:1.5px,color:#153D49,rx:14,ry:14
style L2 fill:#FFFFFF,stroke:#008C6E,stroke-width:1.5px,color:#153D49,rx:14,ry:14
style L3 fill:#FFFFFF,stroke:#008C6E,stroke-width:1.5px,color:#153D49,rx:14,ry:14

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The Banking Circle Digital Assets API allows you to integrate digital asset payout capabilities into your systems in 3 steps:

1. Create a Profile
2. Whitelist Blockchain Address
3. Create Payout

flowchart LR

  S((Start)):::start --> A[👤 1. Create a Profile]:::step --> B["🛡️ 2. Whitelist Blockchain Address"]:::step --> C[💸 3. Create Payout]:::step

  

  classDef step fill:#C7E5DE,stroke:#5FA8A0,color:#1F3C3A,stroke-width:2px,rx:14,ry:14;

  classDef start fill:#FFFFFF,stroke:#2F7F77,color:#0F2F2D,stroke-width:2px;

  

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linkStyle 2 stroke:#2F7F77,stroke-width:3px;