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A first-party flow moves money between two ends that one legal entity owns. A third-party flow pays or collects for someone else, or runs accounts for your own customers, and the flow type decides the destination type, who must be verified and what Stableyard must enable.

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Answer these before you pick a guide

  • Funds owner. Whose wallet funds each send, and whose account and destination receive. Stableyard never signs for a connected wallet: your customer does, or your platform if you provide the wallet.
  • Customer of record. The account Stableyard keeps for each party, and whether it is individual or business. subjectType is fixed at creation and decides which bank rails the account can ever reach.
  • Sender and beneficiary. Who initiates and funds the movement, and who receives it. Either can differ from the customer of record.
  • Platform role. Whether you move money only for your own business, or give each of your customers an account of their own.
  • Rails and markets. Stablecoin only, or a bank on either end, and in which country. Stablecoin needs only your app’s product access; fiat adds your organization’s KYB and the verification of each account that uses it. See Supported regions and currencies.
  • Standing or one-off. A standing facility, such as an on-ramp account, a deposit address or a linked bank, or one bounded payment with its own amount and expiry.

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First-party or third-party?

Still unsure? Ask whether the same legal entity owns both ends. If it does, the flow is first-party; if not, it is third-party.

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Route by what you already know

Published coverage describes what an agreement can include. What your credential can call today is narrower: build from GET /v2/partners/config, not from these guides. See Get configuration.

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Pick a guide

First-party flows

One legal entity owns both ends: fund from your own bank, withdraw to it, top up, and settle your own revenue.

Third-party flows

Pay someone else’s bank, merchant or wallet, collect for merchants, or run accounts for your customers.

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Go deeper by product

The guides say which pattern to build and in what order. The product tabs carry the full calls, fields and states.

Payments

Bring value into an account, and send it out to a wallet, an account or a bank.

Settlement

Deliver verified value, net of fees, to the destination a receiving account chose.

White-label

Run accounts for your own customers, from your backend, inside your product.