Grid API Skill

Assist users with global payment operations via the Grid API. Core capabilities:

Execute API Operations - Use curl to interact with the Grid API directly
Answer Documentation Questions - Fetch docs from https://grid.lightspark.com/llms.txt or the OpenAPI spec (https://raw.githubusercontent.com/lightsparkdev/grid-api/refs/heads/main/openapi.yaml)
Guide Payment Workflows - Help users send payments to bank accounts, UMA addresses, and crypto wallets

Embedded Wallet Offramp (USDB → USD bank)

The full USDB embedded wallet → USD bank offramp flow has dedicated documentation and helper scripts in the grid-api repo:

scripts/README.md — step-by-step walkthrough: onboarding → on-ramp → off-ramp with copy-pasteable curl, including the OTP / HPKE / Turnkey-stamp dance.
scripts/embedded-wallet-sign.js — three subcommands (gen-keypair, decrypt-bundle, stamp) wrapping @turnkey/crypto and @turnkey/api-key-stamper. One-time setup: cd scripts && npm install.

Read scripts/README.md whenever the user asks about: USDB offramp, embedded-wallet signing, payloadToSign, Grid-Wallet-Signature, Turnkey stamp, OTP verify, HPKE bundle decrypt, the EMAIL_OTP credential flow, or the /auth/credentials/{id}/verify and /auth/credentials/{id}/challenge endpoints.

Onboarding gotcha: register an EMAIL_OTP auth credential against the USDB embedded wallet before the first quote. Without it, on-ramp quotes fail with to_network INTERNAL_FUNDED_FIAT does not support USDB because the Turnkey sub-org / Spark network wallet aren't bootstrapped until the credential triggers it.

Supporting References

For detailed information, read these reference files in the references/ directory:

references/account-types.md - Country-specific external account requirements (MXN, BRL, EUR, INR, GBP, NGN, and 18 more) with field requirements and curl examples. Read this when creating external accounts for international payments.
references/endpoints.md - Complete API endpoint reference with methods, paths, and response codes. Read this when answering questions about specific API capabilities.
references/workflows.md - Step-by-step payment workflow guides for common scenarios (UMA payments, international transfers, on-ramp, off-ramp). Read this when guiding users through multi-step payment flows.

Key Concepts

Entities

Platform: The top-level entity (the API user's business)
Customer: End users of the platform who send/receive payments
Internal Account: Grid-managed account for holding funds (can be platform-owned or customer-owned)
External Account: Bank account or crypto wallet outside Grid (destination for payouts)
UMA Address: Universal Money Address (e.g., $user@domain.com) for receiving payments

Account Types

Platform internal accounts: For pooled funds, rewards distribution, treasury
Customer internal accounts: Per-currency holding accounts created automatically for each customer
External accounts: Traditional bank accounts (MXN_ACCOUNT, EUR_ACCOUNT, USD_ACCOUNT, etc.) or crypto wallets

Account Status Lifecycle

PENDING → ACTIVE → UNDER_REVIEW → INACTIVE

Currency & Amounts

All amounts are in the smallest currency unit (cents for USD, satoshis for BTC)
Use the currency.decimals field to convert for display (USD=2, BTC=8, etc.)
Example: 10000 with decimals: 2 = $100.00

Configuration

The Grid API uses HTTP Basic Auth. Before making any API calls, ensure credentials and base URL are set as environment variables:

GRID_CLIENT_ID - API client ID
GRID_CLIENT_SECRET - API client secret
GRID_BASE_URL - API base URL

If not set, load them from ~/.grid-credentials:

export GRID_CLIENT_ID=$(jq -r '.clientId // .apiTokenId' ~/.grid-credentials)
export GRID_CLIENT_SECRET=$(jq -r '.clientSecret // .apiClientSecret' ~/.grid-credentials)
export GRID_BASE_URL=$(jq -r '.baseUrl // "https://api.lightspark.com/grid/2025-10-13"' ~/.grid-credentials)

Always load credentials from ~/.grid-credentials before making API calls if the environment variables are not already set.

Base URL

Production: https://api.lightspark.com/grid/2025-10-13
Dev or local: May use a different base URL — check ~/.grid-credentials for the baseUrl field

Documentation Resources

For questions not covered by this skill's reference files, fetch additional information from the web:

LLM-optimized docs: Fetch https://grid.lightspark.com/llms.txt for a concise overview of the Grid API, or https://grid.lightspark.com/llms-full.txt for comprehensive documentation
OpenAPI Spec: Fetch https://raw.githubusercontent.com/lightsparkdev/grid-api/refs/heads/main/openapi.yaml for the full API schema with request/response definitions
Published docs: Browse https://grid.lightspark.com for guides, tutorials, and API reference. Any page can use the .md suffix for a more agent-readable format.

Making API Calls

All API calls use HTTP Basic Auth via curl -u:

curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/<endpoint>"

For POST/PATCH requests, add the JSON body:

curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST \
  -H "Content-Type: application/json" \
  -d '<json-body>' \
  "$GRID_BASE_URL/<endpoint>"

Pipe through jq for readable output: | jq .

API Operations

Platform Configuration

# Get platform config (currencies, limits)
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/config" | jq .

# Update platform config (e.g., set webhook endpoint)
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X PATCH -H "Content-Type: application/json" \
  -d '{"webhookEndpoint": "https://example.com/webhooks"}' \
  "$GRID_BASE_URL/config" | jq .

Customer Management

# List customers
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/customers?limit=20" | jq .

# Get customer details
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/customers/<customerId>" | jq .

# Create customer
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST -H "Content-Type: application/json" \
  -d '{
    "platformCustomerId": "<platform-id>",
    "customerType": "INDIVIDUAL",
    "fullName": "Name"
  }' \
  "$GRID_BASE_URL/customers" | jq .

# Update customer (customerType is required)
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X PATCH -H "Content-Type: application/json" \
  -d '{"customerType": "INDIVIDUAL", "fullName": "New Name"}' \
  "$GRID_BASE_URL/customers/<customerId>" | jq .

# Delete customer
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X DELETE \
  "$GRID_BASE_URL/customers/<customerId>" | jq .

# Generate KYC link (GET with query params)
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/customers/kyc-link?platformCustomerId=<platformCustomerId>&redirectUri=https://example.com/callback" | jq .

Account Management

# List customer internal accounts
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/customers/internal-accounts?customerId=<customerId>" | jq .

# List platform internal accounts
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/platform/internal-accounts" | jq .

# List customer external accounts
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/customers/external-accounts?customerId=<customerId>" | jq .

# Create external account (example: Mexico MXN_ACCOUNT - Individual)
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST -H "Content-Type: application/json" \
  -d '{
    "customerId": "<customerId>",
    "currency": "MXN",
    "accountInfo": {
      "accountType": "MXN_ACCOUNT",
      "paymentRails": ["SPEI"],
      "clabeNumber": "<18-digit-number>",
      "beneficiary": {
        "beneficiaryType": "INDIVIDUAL",
        "fullName": "Full Name",
        "birthDate": "1990-01-15",
        "nationality": "MX"
      }
    }
  }' \
  "$GRID_BASE_URL/customers/external-accounts" | jq .

For all 27 supported fiat account types and 7 crypto wallet types with their field requirements, read references/account-types.md.

Exchange Rates (Pre-Quote FX Rates)

Use this to check indicative FX rates for a payment corridor before creating a receiving account or a quote. Rates are cached ~5 minutes and include platform-specific fees.

# Get all available corridors from USD
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/exchange-rates?sourceCurrency=USD" | jq .

# Get rate for a specific corridor (USD → INR)
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/exchange-rates?sourceCurrency=USD&destinationCurrency=INR" | jq .

# Get rate with a specific sending amount (10000 = $100.00 in cents)
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/exchange-rates?sourceCurrency=USD&destinationCurrency=INR&sendingAmount=10000" | jq .

# Get rates for multiple destination currencies
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/exchange-rates?sourceCurrency=USD&destinationCurrency=INR&destinationCurrency=EUR" | jq .

The response includes per-corridor:

sourceCurrency / destinationCurrency with code, decimals, name, symbol
destinationPaymentRail (e.g., UPI, SEPA_INSTANT, MOBILE_MONEY, FASTER_PAYMENTS)
sendingAmount / receivingAmount in smallest currency units
minSendingAmount / maxSendingAmount — corridor limits
exchangeRate — units of destination per unit of source
fees.fixed — fixed fee in smallest unit of sending currency
updatedAt — when the rate was last refreshed

Note: These are indicative cached rates. For a locked, executable rate, create a quote via POST /quotes.

Crypto Withdrawal Fee Estimation

Estimate network and application fees before a crypto withdrawal:

curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST -H "Content-Type: application/json" \
  -d '{
    "internalAccountId": "<internalAccountId>",
    "currency": "USDC",
    "cryptoNetwork": "SOLANA",
    "amount": 1000000,
    "destinationAddress": "<blockchain-address>"
  }' \
  "$GRID_BASE_URL/crypto/estimate-withdrawal-fee" | jq .

Returns:

networkFee — gas fee in networkFeeAsset units (e.g., lamports for SOL)
networkFeeAsset — asset used for network fee (e.g., SOL)
applicationFee — platform fee in withdrawal currency units
totalFee — total cost in withdrawal currency (network fee converted + application fee)
netAmount — amount recipient receives after all fees

Supported networks: SOLANA, ETHEREUM, BASE, POLYGON, SPARK, LIGHTNING, BITCOIN

Quotes (Cross-Currency Transfers)

# Account-funded to UMA: Use when funds are already in an internal account
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST -H "Content-Type: application/json" \
  -d '{
    "source": {
      "sourceType": "ACCOUNT",
      "accountId": "<internalAccountId>"
    },
    "destination": {
      "destinationType": "UMA_ADDRESS",
      "umaAddress": "<address>",
      "currency": "USD"
    },
    "lockedCurrencyAmount": 10000,
    "lockedCurrencySide": "SENDING"
  }' \
  "$GRID_BASE_URL/quotes" | jq .

# Account-funded to external account: IMPORTANT - always include destination currency
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST -H "Content-Type: application/json" \
  -d '{
    "source": {
      "sourceType": "ACCOUNT",
      "accountId": "<internalAccountId>"
    },
    "destination": {
      "destinationType": "ACCOUNT",
      "accountId": "<externalAccountId>",
      "currency": "<currency>"
    },
    "lockedCurrencyAmount": 10000,
    "lockedCurrencySide": "SENDING"
  }' \
  "$GRID_BASE_URL/quotes" | jq .

# Real-time/JIT funded: Returns paymentInstructions for funding
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST -H "Content-Type: application/json" \
  -d '{
    "source": {
      "sourceType": "REALTIME_FUNDING",
      "customerId": "<customerId>",
      "currency": "<sourceCurrency>"
    },
    "destination": {
      "destinationType": "ACCOUNT",
      "accountId": "<accountId>",
      "currency": "<destCurrency>"
    },
    "lockedCurrencyAmount": 100000,
    "lockedCurrencySide": "RECEIVING"
  }' \
  "$GRID_BASE_URL/quotes" | jq .

# Execute a quote
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST \
  "$GRID_BASE_URL/quotes/<quoteId>/execute" | jq .

# List quotes
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/quotes?status=PENDING" | jq .

# Get quote details
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/quotes/<quoteId>" | jq .

Same-Currency Transfers

# Transfer in (external → internal, same currency)
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST -H "Content-Type: application/json" \
  -d '{
    "source": {"accountId": "<externalAccountId>"},
    "destination": {"accountId": "<internalAccountId>"},
    "amount": 10000
  }' \
  "$GRID_BASE_URL/transfer-in" | jq .

# Transfer out (internal → external, same currency)
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST -H "Content-Type: application/json" \
  -d '{
    "source": {"accountId": "<internalAccountId>"},
    "destination": {"accountId": "<externalAccountId>"},
    "amount": 10000
  }' \
  "$GRID_BASE_URL/transfer-out" | jq .

Transactions

# List transactions
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/transactions?status=PENDING" | jq .

# Get transaction details
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/transactions/<transactionId>" | jq .

# Approve incoming payment
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST \
  "$GRID_BASE_URL/transactions/<transactionId>/approve" | jq .

# Reject incoming payment
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST -H "Content-Type: application/json" \
  -d '{"reason": "Reason for rejection"}' \
  "$GRID_BASE_URL/transactions/<transactionId>/reject" | jq .

Receiver Lookup

# Look up UMA address capabilities
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/receiver/uma/%24alice%40example.com" | jq .

# Look up external account capabilities
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  "$GRID_BASE_URL/receiver/external-account/<accountId>" | jq .

Note: UMA addresses contain $ which must be URL-encoded as %24 in the path.

Sandbox Testing

# Fund an internal account in sandbox
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST -H "Content-Type: application/json" \
  -d '{"amount": 100000}' \
  "$GRID_BASE_URL/sandbox/internal-accounts/<internalAccountId>/fund" | jq .

# Simulate sending funds to a real-time quote
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST -H "Content-Type: application/json" \
  -d '{"quoteId": "<quoteId>", "currencyCode": "<code>"}' \
  "$GRID_BASE_URL/sandbox/send" | jq .

# Simulate receiving a UMA payment
curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -X POST -H "Content-Type: application/json" \
  -d '{
    "senderUmaAddress": "$sender@sandbox.grid.uma.money",
    "receiverUmaAddress": "<receiverAddress>",
    "receivingCurrencyCode": "USD",
    "receivingCurrencyAmount": 1000
  }' \
  "$GRID_BASE_URL/sandbox/uma/receive" | jq .

Payment Flow Patterns

Grid supports three main payment patterns:

1. Prefunded (Account-Funded)

Funds are already in an internal account. Quote executes immediately from existing balance.

Internal Account (USD) → Quote → External Account/UMA (EUR)

Use sourceType: "ACCOUNT" with an internal account ID.

2. Just-in-Time (Real-Time Funded)

Funds will be provided at execution time. Quote returns paymentInstructions with multiple funding options. Grid auto-executes when deposit is received.

Customer sends crypto/fiat → Grid detects deposit → Auto-executes at locked rate

Use sourceType: "REALTIME_FUNDING" with customer ID and currency. Only works with instant settlement methods.

3. Same-Currency Transfers

Direct transfers between accounts without currency conversion. No quote needed.

External Account (USD) → Internal Account (USD)  [transfer-in]
Internal Account (USD) → External Account (USD)  [transfer-out]

Interactive Payment Workflows

For step-by-step payment workflows, read references/workflows.md. Common workflows:

Check FX Rate (Pre-Quote): Query GET /exchange-rates for indicative rates before setting up accounts or quotes
UMA Payment: Receiver lookup -> Quote -> Confirm -> Execute
International Bank Transfer: Create external account -> Receiver lookup -> Quote -> Confirm -> Execute
On-Ramp (Fiat to Crypto): Verify KYC -> Deposit fiat -> Create crypto external account -> Quote with immediatelyExecute
Off-Ramp (Crypto to Fiat): Create fiat external account -> Deposit crypto -> Quote -> Execute
Incoming Payment Handling: List pending approvals -> Review -> Approve/Reject

Real-Time / Just-in-Time Funded Transfers

Use this flow when the user asks for a "realtime quote" or "just in time" funded transfer. Only use with instant settlement methods — do not use with slow methods like ACH since quotes expire quickly.

Compatible instant methods:

Crypto: BTC (Lightning, Spark), USDC (Solana, Base, Polygon, Ethereum), USDT (Tron)
Fiat: RTP, SEPA Instant, and other instant payment rails

Flow:

Create a quote with sourceType: "REALTIME_FUNDING". Destination can be an internal account, external account, or UMA address.
The response includes paymentInstructions with multiple funding options simultaneously (e.g., Lightning + Spark for BTC, Solana + Base + Polygon for USDC). Show all options to the user.
Auto-execution: Once the user sends funds to ANY of the provided addresses, Grid automatically detects the deposit and executes at the locked rate. Do NOT call the execute endpoint for JIT quotes. Webhooks sent: internal-account-status on deposit, outgoing-payment on completion.
Quote expiration: Quotes expire in 1-5 minutes. If expired, create a new quote.

Best Practices and Common Pitfalls

Check platform config first: Call GET /config to see supported currencies and required fields
Use smallest currency units: All amounts are in cents/satoshis - use decimals field for display
Handle quote expiration: Quotes expire in 1-5 minutes; be prepared to create new quotes
Choose the right flow: Use prefunded for immediate execution, JIT for crypto/instant rails
Pipe through jq: Always append | jq . for readable output, or | jq -r .field to extract specific values
URL-encode special characters: UMA addresses contain $ — encode as %24 in URL paths
Always include destination currency in quotes: When specifying a destination account, you MUST include currency in the destination object even though the external account already has a currency
Individual beneficiary requires fullName: For beneficiaryType: "INDIVIDUAL", fullName is required. birthDate (YYYY-MM-DD) and nationality (2-letter code) are optional but recommended
Use correct Nigerian field names: Use bankName (NOT bankCode) and include purposeOfPayment
Don't forget country-specific required fields: Brazil (BRL_ACCOUNT) requires pixKey, pixKeyType, and taxId; Europe (EUR_ACCOUNT) requires iban; all fiat accounts require paymentRails

Error Handling

Single-resource responses:

{
  "id": "...",
  "status": "...",
  ...
}

List responses return results in a data array with pagination fields:

{
  "data": [ ... ],
  "hasMore": true,
  "nextCursor": "...",
  "totalCount": 42
}

Use jq '.data[]' to iterate results or jq '[.data[] | select(.currency == "NGN")]' to filter.

On error:

{
  "code": "ERROR_CODE",
  "message": "Human readable message"
}

The HTTP status code indicates the error category (400 for bad input, 401 for auth issues, 404 for not found, etc.).

Common Error Codes

Quote/Transfer Errors:

QUOTE_EXPIRED - Quote timed out; create a new quote
INSUFFICIENT_BALANCE - Check internal account balance before transfer
INVALID_BANK_ACCOUNT - Validate field formats per country requirements
QUOTE_EXECUTION_FAILED - Transient error; retry with exponential backoff

Incoming Payment Errors:

PAYMENT_APPROVAL_TIMED_OUT - Webhook approval not received within 5 seconds
PAYMENT_APPROVAL_WEBHOOK_ERROR - Webhook returned error

Validation Errors:

INVALID_INPUT - Check required fields; the reason field has details
MISSING_MANDATORY_USER_INFO - Customer or sender info missing required fields

Always check the HTTP status code and report errors clearly to the user.