@spritz-finance/api-client 0.4.28 → 0.6.0

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package/README.md CHANGED
@@ -88,6 +88,9 @@ const transactionData = await client.paymentRequest.getWeb3PaymentParams({
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  - [Activation Steps](#activation-steps)
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  - [Virtual Accounts](#virtual-accounts)
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  - [Supported Tokens](#supported-tokens)
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+ - [ACH Onramp (Direct Debit)](#ach-onramp-direct-debit)
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+ - [Sandbox](#sandbox)
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+ - [Bypassing KYC](#bypassing-kyc)
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  - [Webhooks](#webhooks)
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  - [Events](#events)
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  - [Setup](#setup)
@@ -812,6 +815,41 @@ const accounts = await client.virtualAccounts.list()
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  | Solana | USDC, PYUSD |
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  | Tron | USDT |
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+ ## ACH Onramp (Direct Debit)
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+ ACH onramp lets users convert USD from their bank account into USDC delivered to a Solana wallet. The flow is:
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+ 1. **Link bank account** via Plaid → funding source created automatically
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+ 2. **Prepare deposit** — quote and ACH authorization message for the user to review
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+ 3. **Create deposit** — confirm to debit the bank and release USDC to the wallet
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+ Authorization is derived from the verified ACH funding source — no wallet signature is required.
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+ For a complete walkthrough with code examples, request/response schemas, and deposit lifecycle documentation, see the **[ACH Onramp Integration Guide](docs/ach-onramp-guide.md)**.
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+ A standalone sandbox demo is available at `scripts/sandbox/ach-onramp.html` — open it in a browser to walk through the full flow interactively.
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+ ## Sandbox
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+ Use `Environment.Sandbox` for development and testing. The sandbox environment is available at `https://sandbox.spritz.finance`.
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+ ### Bypassing KYC
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+ In sandbox, you can skip identity verification to speed up testing:
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+ ```typescript
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+ // Simulate successful US KYC verification
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+ await client.sandbox.bypassKyc()
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+ // Simulate KYC for a specific country
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+ await client.sandbox.bypassKyc({ country: 'CA' })
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+ // Simulate a failed KYC check
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+ await client.sandbox.bypassKyc({ failed: true })
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+ ```
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+ This endpoint returns 403 in production.
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  ## Webhooks
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  ### Events