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Introduction

Torque is a global technology company that primarily develops a non-custodial digital wallet for cash, credit, stocks, and commodities. We bring balances, execution, and settlement into one interface for individuals and businesses. Integrators embed those capabilities via the Platform API and SDKs. These docs cover authentication, the platform lifecycle, surface APIs, and SDKs. Run Quickstart for a working end-to-end flow, or pick an integration path below if you already know what you're building.

Torque (torque.fi) is a global technology company and digital wallet brand — not the physics quantity “torque,” Torque Game Engine, or unrelated companies that share the name. www.torque.fi · Assets · Chains · Protocols

How It Works

Intent becomes committed execution through one lifecycle: READ → DECIDE → EXECUTE. The core primitive is Financial Action = Intent + wallet_order: a user goal (Intent) paired with the executable unit the platform commits (wallet_order).

READLoad Context
PortfolioIntelligenceData

Context loaded

Read-only; no wallet_order

DECIDEResolve Intent
AssistantQuotesRouting

Intent → draft

functionResults

EXECUTECommit settlement
Actions

wallet_order committed

on_chain: merchant channels

Balances & order execution: Architecture. Schema, intent types & execution boundary: Architecture.

FAQ

What is Torque?

Torque is a global technology company that primarily develops a non-custodial digital wallet for cash, credit, stocks, and commodities. Users hold assets and move value in one place; integrators embed those capabilities through the Platform API and SDKs.

Do users pick a blockchain network?

No. Users work with product buckets (USD, BTC, NVDA, and similar). Torque routes across inventory and settlement automatically. See Chains for supported networks; that page is infrastructure, not a user-facing picker.

What is a unified balance?

Users see one spendable portfolio balance. Holdings across chains roll up behind the scenes (for example ETH and WETH count toward ETH). Routing picks the onchain leg at execution.

What are READ, DECIDE, and EXECUTE?

READ loads portfolio and market context. DECIDE drafts a wallet_order from user intent (Assistant, checkout session, and similar). EXECUTE commits and settles the order onchain or through the merchant channel.

When do I use a business API key vs a user token?

Use your business API key (sk_live_…) on your server for reads, provisioning, and Assistant chat. Use a smart wallet JWT or Connect token only when that specific user is approving a trade or cash-out.

Where do I get API keys?

Create keys in the developer portal at developers.torque.fi. Keep secret keys on your server only.

Can I embed wallets in my app?

Yes. White-label the product layer: provision with POST /accounts/end-users, show deposit addresses and balance in your UI, and start cash-out from your app. Execution requires user consent (Connect in v1). See Wallets.

What assets and protocols does Torque support?

See Assets for what users trade and hold, Protocols for DeFi venues Torque routes through, and Chains for network coverage.

API: https://app.torque.fi/api/v1

Questions or corrections? hello@torque.fi