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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.

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Linq

Linq is a stablecoin payments app that lets users spend USDC and other stablecoins like cash directly from their crypto wallet, with real-time settlement to Nigerian bank accounts. Its B2B merchant gateway enables businesses to accept crypto payments via QR code — settling instantly in NGN — across Stellar, Sui, Solana, Base, BSC, and Aptos, requiring no crypto knowledge from merchants.

Fewticket

Fewticket is a digital ticketing and access control platform designed to modernize event management across Africa and emerging markets. It enables organizers to issue digital tickets, verify attendance in real time using QR validation and WebSocket infrastructure, and monitor event performance through secure dashboards and APIs. Fewticket addresses ticket fraud, inefficient check-ins, limited payment integration, and lack of scalable monetization tools for hybrid events.

Bloccpay

Bloccpay is a global payroll and payments platform that enables businesses to pay remote contractors worldwide—with a focus on Africa—in USDC on Stellar. It offers automated batch payroll via the Stellar Disbursement Platform (SDP), contractor invoicing payable through Stellar Wallets Kit, and local fiat off-ramp to bank accounts and mobile money in Nigeria, Kenya, and Ghana.

VANK

VANK is a multicurrency B2B payments platform for US-LatAm cross-border trade, processing over $115M in TPV across 40 enterprise clients. The company is building VANK Anchor: a Stellar-native USDC-COP on/off ramp for Colombia enabling COP deposits via PSE and USDC delivery to partner Stellar accounts (on-ramp), and USDC-to-COP disbursements via ACH/bank transfer with OFAC/PEP compliance screening (off-ramp), implemented via SEP-24, SEP-6, SEP-38, SEP-10, and SEP-1.

Stellar Disbursement Platform (SDP)

The Stellar Disbursement Platform (SDP) is the Stellar Development Foundation's open-source, self-hostable platform for making bulk payments to many recipients over the Stellar network. Used for mass payouts, global payroll, vendor and contractor payments, government transfers, remittances, and cash-assistance disbursements; powers Stellar Aid Assist.

Zarf

Zarf is a non-custodial, privacy-preserving token distribution protocol on Stellar. It enables users to send payments and create vesting schedules to an email address instead of a wallet address, using Zero-Knowledge proofs for private, verifiable claims. Use cases include token distributions, payroll, and vesting on Soroban.

Velo

Velo is a Web3 financial protocol built on the Stellar network that bridges traditional finance and decentralized infrastructure. It operates the Federated Credit Exchange (FCX) for digital credit issuance, issues the USDV stablecoin backed by tokenized U.S. Treasury Bills, and enables cross-border payments, remittances, and merchant crypto acceptance through its Orbit platform.

The Signal

The Signal is an open-source protocol that transforms Web3 business development into a permissionless, on-chain marketplace. Today, service discovery and deal execution in Web3 are opaque and fragmented. Founders face trust and payment risks, service providers struggle to scale distribution, and business developers operate in informal networks with no enforceable compensation. The Signal solves this coordination gap through verified discovery (ranking providers by execution performance), ServiceFi escrow (releasing funds only upon verified milestone completion), and permissionless distribution (enabling on-chain commission bounties with code-enforced revenue splits). The result is transparent, trust-minimized hiring and scalable growth for Web3 services, without centralized intermediaries.

Tender

Tender empowers modern businesses to accept crypto payments effortlessly without needing to become crypto experts. Whether a physical store, digital platform, or global marketplace, Tender abstracts blockchain complexity and delivers a seamless payment experience. The platform enables businesses to accept crypto without managing wallets or technical infrastructure, provides seamless settlement and compliant off-ramps into local currency, supports global payouts and mass disbursement, and unifies multi-chain payments into one simple dashboard and API.

SurgePay

SurgePay is a comprehensive fintech platform enabling seamless cross-border payments and financial services for users across Africa. Built on the Stellar blockchain, it provides instant, low-cost international transfers, multi-currency digital wallets, virtual dollar cards, and tag-based payments. The platform bridges traditional banking infrastructure and blockchain technology, supporting USDC stablecoin transfers, tiered KYC verification, and multiple fiat on/off ramps — making global money movement accessible, affordable, and instant for everyday users.

PaymentsCard Issuing

Rain

Stablecoin-linked Visa card provider. Enables companies on Stellar, Solana, and Tron to launch branded cards for real-world stablecoin spending.

PaymentsStablecoin

Paywit

Paywit is a wallet-agnostic payment layer enabling merchants to accept stablecoin payments on Stellar without integrating individual wallets or managing blockchain complexity. It provides hosted checkout and drop-in SDKs that abstract wallet complexity — merchants integrate once, users pay from any Stellar wallet via SEP-7, and funds settle directly to merchant wallets (fully non-custodial). Paywit verifies payments via Horizon and notifies merchants instantly.

StablecoinPayments

PagFinance

BRLP is a regulated BRL settlement token issued on Stellar for institutional FX, institutional payments, and crypto-to-fiat reconciliation. Tokens are minted only after BRL is received in a regulated account, transferred exclusively between authorized institutional counterparts, and burned on exit — on-chain supply always matches real-world custody. PagFinance replaces bilateral reconciliation and delayed settlement with near-instant finality, deterministic auditability, and compliance-by-design, connecting Brazilian banking rails to modern on-chain coordination using Stellar's native asset controls.

StablecoinPayments

Novatti

Novatti is an Australian payments company (ASX: NOV) that delivers payment solutions enabling businesses to accept Visa, Mastercard, Amex, Apple Pay, Alipay, WeChat Pay and more. On Stellar, Novatti issued AUDD — an Australian Dollar stablecoin that surpassed $1 billion in on-chain transactions in 2025.

Mesh

The first global crypto payments network, enabling merchants and digital wallets to accept crypto from 300+ exchanges and wallets (170M+ users) and settle in stablecoins or local currency. Integrates with Stellar via SEP-24 as anchor infrastructure for seamless on/off-ramps.

WalletPaymentsStablecoin

Ibis

Stablecoin neobank and ramp infrastructure for Venezuela, combining a self-custody wallet app with an API that lets developers and businesses fund with USDC on Stellar and settle payouts in bolivares.

PaymentsLending

Huma

Huma Finance is the first Payment Financing (PayFi) network, designed to provide instant liquidity solutions for global payments by leveraging blockchain technology.

HandlPay

HandlPay is a peer-to-peer payments platform that turns social media usernames and WhatsApp numbers into private payment handles. It allows users to send and receive stablecoins using familiar identifiers, without sharing wallet addresses, exposing transaction history, or dealing with cross-chain complexity. The experience is simple: if you can message someone, you can pay them.

Drips

Drips is an open-source funding protocol offering continuous payment streams, dependency funding, Drip Lists, and RetroPGF distribution for software projects. On Stellar, Drips powers Drips Wave — a recurring monthly bounty cycle where developers compete to contribute to open-source Stellar ecosystem projects and earn on-chain rewards, while maintainers run transparent, time-bound funding rounds.

Digitpay Finance

Digitpay simplifies how individuals and businesses send, spend, receive, and manage money across borders. Built on Stellar, it enables users to receive crypto instantly into dedicated wallet addresses and spend it in their preferred local currency (including Nigerian Naira), with automatic and transparent currency settlement on the backend. The platform also enables merchants to accept cryptocurrency payments while receiving funds in their chosen fiat currency. Digitpay offers web and mobile apps designed for everyday use, with a focus on security, speed, and transparency.

Digibank

Digital banking platform integrating Stellar Disbursement Platform (SDP) for efficient bulk payment distribution in emerging markets.

DashX

DashX is a technology platform that helps exporters and global contractors receive and manage cross-border payments smoothly. It provides APIs and workflow tools that connect businesses with licensed financial partners to move money across countries in a fast, structured, and compliant way.

Cypher

Cypher is a crypto card and non-custodial wallet that lets users spend their crypto like cash anywhere in the world, with zero-fee USDC loading, global acceptance, and rewards on every transaction.

PaymentsInfrastructure

CryptoMate

We believe every community leader and company will become a fintech, every transaction will be a financial product, and that real financial inclusion requires localized, customized, impactful solutions built bottoms-up and self-propelled in monetization. CryptoMate is the platform that makes this possible: a stack on which emerging fintechs, community leaders, entrepreneurs, and SMEs launch, run, and monetize their own financial services. This grant funds a focused new service any of those clients can offer their users on day one: a person walks into any MoneyGram, deposits cash, and within minutes a virtual VISA card is push-provisioned into their Apple Pay or Google Wallet. Underneath, the cash settles as USDC on Stellar via MoneyGram Ramps. The user never sees a wallet address, never holds a stablecoin, never learns what a blockchain is. They just get a card. The target: the 1.4 billion unbanked adults globally — and the cash-economy users in LATAM and African corridors where MoneyGram has dense coverage and CryptoMate's clients already operate.

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