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Production apps should pair this with a passkey on the browser side. This page uses a string encryptKey for the smoke-test scenario, which is the simplest possible flow. For shipping integrations, the encryptKey should come from a platform passkey — see the passkey quickstart for the browser flow. The server pieces below are identical either way.
This page shows the full create-wallet → transfer round trip, lifted from the Chipi staging smoke test that runs in CI on every release. Code is verbatim from the test, with secrets (CHIPI_PUBLIC_KEY, CHIPI_SECRET_KEY, CHIPI_BASE_URL, encrypted private keys) read from environment variables.

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Install

npm install @chipi-stack/backend

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Initialise the SDK

import { ChipiServerSDK } from "@chipi-stack/backend";

const sdk = new ChipiServerSDK({
  apiPublicKey: process.env.CHIPI_PUBLIC_KEY!,
  apiSecretKey: process.env.CHIPI_SECRET_KEY!,
  // baseUrl is only needed if you're targeting staging or a self-hosted backend
  baseUrl: process.env.CHIPI_BASE_URL, // omit for production
});

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Create a wallet

createWallet provisions a fresh Starknet account, encrypts the private key with the encryptKey you provide, and returns the public key + encrypted private key. Chipi’s paymaster covers the deploy transaction. 
const externalUserId = `user-${Date.now()}`;

const wallet = await sdk.createWallet({
  params: {
    encryptKey: userPin,        // user-chosen PIN or passkey-derived secret
    externalUserId,             // your user identifier
    chain: "STARKNET",
  },
});

console.log(wallet.publicKey);            // 0x...
console.log(wallet.encryptedPrivateKey);  // ciphertext you store alongside your user
Look it up later by your own user ID: 
const retrieved = await sdk.getWallet({ externalUserId });

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Transfer USDC (gasless)

const txHash = await sdk.transfer({
  params: {
    encryptKey: userPin,
    wallet: {
      publicKey: wallet.publicKey,
      encryptedPrivateKey: wallet.encryptedPrivateKey,
    },
    token: "USDC",
    recipient: "0xRecipientAddress...",
    amount: 1000n, // 0.001 USDC (USDC has 6 decimals — adjust accordingly)
  },
});

console.log(txHash); // 0x... — settles on Starknet mainnet without the user paying gas
The transfer is paid for by your service wallet’s USDC balance. Check that balance in the dashboard at /configure/billing.

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Putting it together

End-to-end, mirroring the smoke test: 
import { ChipiServerSDK } from "@chipi-stack/backend";

async function main() {
  const sdk = new ChipiServerSDK({
    apiPublicKey: process.env.CHIPI_PUBLIC_KEY!,
    apiSecretKey: process.env.CHIPI_SECRET_KEY!,
  });

  // 1. Create a wallet for your user
  const externalUserId = `user-${Date.now()}`;
  const wallet = await sdk.createWallet({
    params: { encryptKey: process.env.USER_PIN!, externalUserId, chain: "STARKNET" },
  });

  // 2. Send 0.001 USDC from your funding wallet to the new wallet
  const txHash = await sdk.transfer({
    params: {
      encryptKey: process.env.FUNDING_WALLET_ENCRYPT_KEY!,
      wallet: {
        publicKey: process.env.FUNDING_WALLET_PUBLIC_KEY!,
        encryptedPrivateKey: process.env.FUNDING_WALLET_ENCRYPTED_KEY!,
      },
      token: "USDC",
      recipient: wallet.publicKey,
      amount: 1000n,
    },
  });

  console.log({ wallet: wallet.publicKey, txHash });
}

main();
✅ Verified against the live API on 2026-05-11.

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What’s next

Reading token balances, PIN/passkey rotation, and session keys are covered by their own smoke tests (staging-reads.test.ts, staging-update-encryption.test.ts, staging-sessions.test.ts) and will land in follow-up doc PRs.