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Stellar Payments Projects
Payment products built on Stellar: remittance corridors, payout rails, merchant acceptance and treasury tooling, each with its live status, code activity and funding history.
Payments
Basilic
Basilic is a B2B payment infrastructure layer for Latin American businesses, operating as a routing layer between traditional banking rails and stablecoin settlement.
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Payments
Azza
Azza is a stablecoin-powered payments platform built on WhatsApp. It enables users and businesses to move between stablecoins and local fiat, make cross-border and local payouts, and access practical financial tools through simple interfaces like WhatsApp. By combining blockchain infrastructure with localized payment rails, Azza makes stablecoins usable for real-world money movement, savings, and settlement across African markets.
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SDKPayments
RouteDock
RouteDock is a unified payment execution layer for autonomous agents on Stellar: one SDK (@routedock/routedock on npm) whose single client.pay() call routes across the three Stellar agent-payment protocols — x402 (Coinbase), MPP charge, and MPP session channels — selecting the mode from the provider's routedock.json manifest. Supports Stellar testnet and mainnet.
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RWAPayments
Soroban Payout & Token Suite
A Soroban-based Asset Manager for issuing, selling, and redeeming tokens with investor onboarding, KYC, and automated payout distribution.
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AnchorPaymentsStablecoin
Zilt
Mobile-money on-ramp converting M-Pesa and other mobile-money balances into USDC on Stellar to onboard unbanked users in the global south.
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AnchorPaymentsStablecoin
VERSO
VERSO/Versotek is an SBS-regulated Peruvian stablecoin exchange building Peru's first compliant Stellar anchor for PEN/USD/USDC on- and off-ramps via the SDF Anchor Platform.
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WalletPaymentsInfrastructure
OpenXSwitch
OpenXSwitch is a Lagos financial-infrastructure-as-a-service platform offering wallet-as-a-service, a trading/swap API, and stablecoin/smart-account infra for African fintechs; its SCF pitch added Stellar interchain and gasless APIs.
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Payments
FeePrime
FeePrime is a business-management platform for African SMEs (POS, invoicing, CRM, accounting, payroll); its SCF pitch was a Stellar-USDC invoicing and payroll tool for freelancers.
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Payments
ElementPay
ElementPay is building stablecoin payment infrastructure for the Global South. Our vision is to make global payments faster, cheaper, and easier for businesses and everyday users by connecting stablecoins to local financial rails. Today, many businesses struggle with fragmented providers for collections, payouts, FX, settlement, and reconciliation. ElementPay solves this by providing one platform for invoicing, collections, payouts, mobile money and bank settlement, API integrations, transaction tracking, and reconciliation. Our objective is to scale ElementPay into a full-stack payment network that serves both enterprises and consumers. Businesses can use our infrastructure to manage cross-border payments, payroll, merchant collections, supplier payouts, and remittances, while users can receive, hold, send, and withdraw stablecoins through familiar local payment channels.
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PaymentsRWA
Escala
Escala is a B2B embedded-finance platform (LatAm) building collective-investment products on Soroban with USDC escrows and milestone-based fund releases.
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DEXPayments
Prism
Prism is a multi-chain crypto financial hub designed to simplify how users access and interact with on-chain financial products. Rather than requiring users to navigate multiple applications, wallets, bridges, and protocols, Prism aggregates key crypto use cases including trading, prediction markets, payments, and yield opportunities within a single user experience.
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PaymentsStablecoin
TroqPay
TroqPay helps Brazilian merchants sell locally, receive in USD and pay globally. Merchants can accept Pix online or in person through payment links, API, checkout, and POS, while managing payments, balances, digital-dollar access, and AI-assisted merchant analytics in one platform. For this SCF build, we want to bring Stellar into TroqPay’s merchant flow as the digital-dollar balance layer. We plan to use Privy for embedded wallet onboarding and DeFindex as an optional non-custodial savings/yield module for merchants who choose to hold digital dollars.
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WalletPayments
NemorixPay
NemorixPay is an in-development Flutter mobile wallet for cross-border remittances between the U.S. and Latin America using Stellar stablecoins (USDC/XLM).
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PaymentsStablecoin
Wellspring
Wellspring is an institutional treasury management and payments platform enabling businesses to receive fiat and stablecoin payments, custody funds, earn yield (up to 12% APY), and move money globally from a single dashboard. Built on Stellar, it integrates USDC.xlm custody via Turnkey, fiat on/off-ramps through Bridge (a US-regulated Stellar Anchor), and on-chain yield generation via Blend's lending protocol.
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Social ImpactPayments
Providencia Onchain
A public transparency and accountability platform bringing Providencia Island's (Colombia) sponsor-funded conservation investments on-chain via the Stellar Disbursement Platform. A joint venture between VIIO (payment infrastructure) and Climate Future (field operations), the platform features a live transparency dashboard, track attribution registry, and reconciliation proof pack — linking every disbursement to its on-chain Stellar transaction hash so sponsors, auditors, and community members can independently verify where each peso went.
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Payments
Payala
Payala enables secure digital payments without internet connectivity, using Smart Cards and NFC-enabled smartphones with a patented cryptographic protocol (US10885519B1) that prevents double-spending. Integrated with Stellar via SEP-10 and Soroban smart contracts, it extends financial access to unbanked and underserved populations in rural and low-connectivity environments across the developing world.
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Payments
LulPay
Enabling financial inclusion for refugees and the unbanked in Africa with Remittance,ROSCA, Virtual cards, and other service.
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PaymentsStablecoin
InveStar
InveStar is a mobile-first remittance-to-investment platform built on Stellar that connects cross-border USDC transfers directly to brokerage accounts. Targeting the US/MENA–Bangladesh corridor, it enables diaspora users and freelancers to send money home via MoneyGram Ramps (SEP-24) while optionally routing a portion into Dhaka Stock Exchange (DSE) equities or US securities via Alpaca. Custodial Stellar USDC wallets, Horizon SSE event streaming, and a licensed tri-party DSE OMS integration power the remit-to-invest flywheel.
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Payments
Fundable
Onchain financial operations platform for global teams, enabling automated payouts, payment streaming, and seamless crypto-to-fiat offramping across emerging markets. Built for Web3 organizations and DAOs, Fundable replaces fragmented treasury workflows with a unified, transparent system for managing contributor payments at scale.
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Payments
Figo
Fintech platform providing a free virtual Visa card and US dollar account (routing number + IBAN) for global workers, freelancers, and creators across 50+ countries. Built on Stellar for settlement with USDC stablecoins, fiat on/off-ramp via SEP-24 and MoneyGram cash pickup at 350,000+ locations worldwide, and DeFi yield on idle balances through Soroban smart contract integrations.
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Payments
Fiatsend
Fiatsend is a Stellar-powered payment infrastructure platform for Africa's digital economy. It provides a B2B console for merchants to create payment links, generate QR codes, and execute bulk payouts via the Stellar Disbursement Platform, alongside a consumer app enabling payments in local currency or stablecoins. Built for platforms disbursing at scale, Fiatsend settles USDC payments to local currencies through African anchors in under 10 seconds.
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PaymentsStablecoinCard Issuing
Blockroll
Blockroll is Nigeria's first stablecoin wealth platform on Stellar, combining USDC payments, on-chain yield via DeFindex vaults, and a Visa card funded from Stellar USDC balances. Nigerian freelancers can receive international fiat (USD, EUR, GBP) directly into USDC via Bridge virtual accounts, earn yield on idle savings, and off-ramp to NGN via SEP-24 anchors (Linkio). All user wallets are Stellar-native MPC accounts provisioned via DFNS.
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Payments
Blink
Soroban-native yield-bearing payment protocol built by Bingtellar. Blink holds USDC in programmable escrow smart contracts where it earns DeFi yield (via Blend Capital and DeFindex) while in transit, then settles to recipients via email claim link, mobile money, or bank transfer — no public key required. Designed for remittances, NGO disbursements, payroll, and B2B payments across Africa, LatAm, and SE Asia.
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AIPaymentsSDK
REAPP
REAPP (Real Agentic Payment Protocol) is the authorization layer for agentic commerce on Stellar. It composes x402 HTTP settlement, Soroban policy enforcement, and AP2 mandate authorization into a single TypeScript SDK, enabling AI agents to make user-authorized payments on-chain.
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