📄️ Introduction
This guide walks a casino-style platform through the full money lifecycle on Pathly: onboarding players, taking deposits, paying out winnings, and letting players cash out to their own bank account.
📄️ Obtain a Token
Every request (except this one) is authorized with a JWT in the Authorization header. Exchange your API key for a token at /jwt/token:
📄️ Create & Verify a Player
A player is an Individual account. Create it, then run identity verification — a player must be verified before they can receive a bank payout or cash out.
📄️ Take a Card Deposit
Players can deposit with a credit card. A charge collects funds into your merchant balance; you then credit the player's wallet with an internal transfer (see Pay out winnings — the same wallet→wallet mechanic).
📄️ Fund a Wallet from a Bank Account
A player can fund their wallet directly from a bank account. This is a pull: bank account → wallet. It is same-account — a pull funds the player's own wallet from the player's own bank. The credit settles asynchronously once the bank clears the debit.
📄️ Pay Out Winnings
Crediting a player — winnings, a deposit you collected by card, a bonus — is a wallet → wallet transfer from your merchant wallet to the player's wallet. It is internal: instant and final (born posted), no bank rail involved.
📄️ Let a Player Cash Out
Cashing out moves a player's wallet balance to their own bank account. This is a push: wallet → bank account. It is same-account — you can only cash out a wallet to that same account's bank. It settles asynchronously over the bank rail.
📄️ Onboard for Crypto
To hold a crypto wallet or receive fiat through a virtual account, a player completes a one-time crypto onboarding — an extension of the create & verify step. Two things must be true before crypto features activate:
📄️ Load a Crypto Wallet
Alongside the USD wallet, an account can hold a crypto wallet — a USDC balance on-chain (currently BASE-USDC, USDC on the Base network). Loading it works like a bank pull, but the rail is on-chain: get the deposit address, have the player send USDC to it, then watch for the credit.
📄️ Receive Fiat via a Virtual Account
A virtual account is a fiat on-ramp for a player's crypto wallet: a set of real US bank coordinates (routing + account number) that the player can fund by ACH, wire, or FedNow. Money deposited is converted to USDC and credited to the player's crypto wallet — no card, no on-chain transfer.
📄️ Move USDC
POST /transfers is the same single endpoint used for fiat transfers — you get crypto behavior by setting currency to a crypto code (e.g. BASE-USDC) instead of USD. Two shapes are supported:
📄️ Listen for Webhooks
Bank-rail transfers (funding pulls and cash-out pushes) settle asynchronously, so subscribe to webhooks instead of polling. Add a webhook from your Developer Dashboard and subscribe it to the events you care about; you'll get the Signing secret used to verify each delivery.