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README.md

Stellar Infrastructure

This guide covers infrastructure components for building production applications on Stellar, including anchors, SEPs, and bulk payment systems.

Anchors & On/Off Ramps

What Are Anchors?

Anchors are entities that issue assets on Stellar and provide fiat on/off ramps. They bridge traditional finance with the Stellar network.

Anchor Platform

SDF-maintained platform for building SEP-compliant anchor services.

Feature Details
GitHub stellar/anchor-platform
Docs developers.stellar.org/docs/platforms/anchor-platform
Language Java/Kotlin

Features:

  • Pre-built SEP implementations
  • Compliance integrations
  • Customer management
  • Transaction monitoring

Regional Starter Pack

A SvelteKit demo application and portable TypeScript library for building fiat on/off ramps with locally denominated assets, live at regionalstarterpack.com.

Feature Details
GitHub ElliotFriend/regional-starter-pack
Live app www.regionalstarterpack.com — includes the Anchor Readiness Scorecard
Stack SvelteKit demo + framework-agnostic TypeScript libraries
Anchors Etherfuse (Mexico/Brazil — MXN, BRL via SPEI/PIX), Manteca (Brazil/Argentina/Colombia — BRL, ARS, COP ↔ USDC via PIX/CVU/BRE-B), Koywe (Argentina/Mexico/Colombia — ARS, MXN, COP ↔ USDC), Chipper (Ghana/Kenya — GHS, KES ↔ USDC via mobile money, M-Pesa, and bank), SeevCash (Ghana — GHS ↔ USDC via mobile money, SEP anchor); plus the Stellar test anchor and a TR Mock Anchor (Türkiye sandbox stand-in) as references

Features:

  • Self-contained anchor clients designed to be copied into any TypeScript project (only @stellar/stellar-sdk as a peer dependency)
  • Composable SEP protocol library (SEP-1, 6, 10, 12, 24, 31, 38) — one independently usable file per SEP
  • Two-lens anchor curation — a commercial bar (locally denominated assets, local payment rails, competitive rates, deep liquidity) and a developer bar (open self-service access, accurate docs, high-fidelity sandbox, agent-buildable, fee discoverability) — with a live per-criterion scorecard, plus regional honorable mentions and in-vetting candidates
  • API-key anchors run behind server proxy routes; SEP anchors (SeevCash, test anchor, TR Mock) run directly in the browser
  • Working Testnet on-ramp simulations you can try end to end

Anchor Tools

Tools to find, test, and validate anchors.

Tool What it does
Anchor Directory All anchors on Stellar, their currencies, and where they operate
Demo Wallet Test anchor flows interactively: SEP-8 (regulated assets), SEP-24, SEP-31, against any home domain with a stellar.toml
Anchor Test Suite Validate SEP-6, SEP-24, and SEP-31 transfer servers
Asset Sandbox Experiment with asset issuance on testnet (SDF + Cheesecake Labs)

MoneyGram Ramps

Lets users of wallets and exchanges cash in (deposit) and cash out (withdraw) USDC on Stellar at MoneyGram locations.

Feature Details
Docs MoneyGram Ramps integration guide
Stellar docs developers.stellar.org/docs/tools/ramps/moneygram
Asset USDC on Stellar

SEP Standards

Stellar Ecosystem Proposals (SEPs) define standards for interoperability.

SEP-6: Deposit and Withdrawal API

Programmatic deposits and withdrawals for wallets and exchanges.

Feature Details
Spec SEP-0006
Use Case Automated fiat on/off ramps

Flow:

  1. Wallet requests deposit/withdrawal info
  2. Anchor provides instructions
  3. User completes fiat transfer
  4. Anchor issues/redeems tokens

SEP-24: Hosted Deposit and Withdrawal

Interactive deposits/withdrawals via hosted web UI.

Feature Details
Spec SEP-0024
Use Case User-facing on/off ramps

Flow:

  1. Wallet opens anchor's web interface
  2. User completes KYC/AML
  3. User initiates deposit/withdrawal
  4. Anchor processes and settles

SEP-31: Cross-Border Payments

Direct payments between institutions (no end-user interaction).

Feature Details
Spec SEP-0031
Use Case B2B remittances, institutional transfers

Flow:

  1. Sending FI queries receiving FI
  2. Payment info exchanged
  3. Sender initiates payment
  4. Receiver delivers to beneficiary

SEP-10: Web Authentication

Stellar-based authentication for web services.

Feature Details
Spec SEP-0010
Use Case Secure user authentication

SEP-1: stellar.toml

Metadata file for Stellar entities (anchors, issuers, validators).

Feature Details
Spec SEP-0001
Location /.well-known/stellar.toml

Example:

# https://example.com/.well-known/stellar.toml

NETWORK_PASSPHRASE="Public Global Stellar Network ; September 2015"
TRANSFER_SERVER="https://api.example.com/sep6"
WEB_AUTH_ENDPOINT="https://api.example.com/auth"

[[CURRENCIES]]
code="USD"
issuer="GEXAMPLEISSUER..."
display_decimals=2
name="US Dollar"

Stellar Disbursement Platform (SDP)

Bulk payment infrastructure for enterprises.

Feature Details
GitHub stellar/stellar-disbursement-platform-backend
Docs developers.stellar.org/docs/platforms/stellar-disbursement-platform

Use Cases

  • Aid distribution - Humanitarian organizations
  • Payroll - Cross-border salary payments
  • Rewards - Loyalty program distributions
  • Grants - Scholarship/funding disbursements

Features

  • CSV-based bulk uploads
  • Multi-asset support
  • Wallet registration workflows
  • KYC integration
  • Audit trails
  • Retry mechanisms

Architecture

┌─────────────┐      ┌─────────────┐      ┌─────────────┐
│   Admin UI  │ ──►  │   SDP API   │ ──►  │   Stellar   │
│             │      │             │      │   Network   │
└─────────────┘      └─────────────┘      └─────────────┘
       │                    │
       │                    ▼
       │              ┌─────────────┐
       │              │  Database   │
       │              └─────────────┘
       ▼
┌─────────────┐
│ Recipients  │
│  (Wallets)  │
└─────────────┘

Getting Started

# Clone the repository
git clone https://github.com/stellar/stellar-disbursement-platform-backend
cd stellar-disbursement-platform-backend

# Run with Docker
docker-compose up

Block Explorers

StellarExpert

Comprehensive network explorer with analytics.

Feature Details
URL stellar.expert
Features Transactions, accounts, assets, contracts

Stellar Laboratory

Developer tools and transaction builder.

Feature Details
URL lab.stellar.org
Features XDR viewer, transaction signing, account viewer

StellarChain

Alternative explorer with contract support.

Feature Details
URL stellarchain.io
Networks Mainnet, Testnet, Futurenet

More Explorers

Explorer Notes
Stellar Explorer Payments, accounts, and contracts on Mainnet, Testnet, and Futurenet
Soroscan Transactions, accounts, assets, contracts, and ledgers, with a built-in AI assistant for on-chain questions. Newer, under active development.
Soroban Scan Soroban-first, independent of Horizon. Shows decoded Soroban data instead of raw XDR. Mainnet and Testnet.

Network Status & Insights

Tool What it does
Stellar Dashboard Testnet and Mainnet status: fee stats, recent operations, lumen supply
Status Page Incidents, maintenance, protocol upgrades, and testnet resets. Subscribe before a hackathon.
Obsrvr Radar Network nodes and a consensus visualization
StellarFee Fee estimator and transaction simulator: resources used and expected fees

RPC Providers

Public Endpoints

Network RPC URL Horizon URL
Mainnet No SDF-hosted public RPC — pick one from the RPC providers list https://horizon.stellar.org
Testnet https://soroban-testnet.stellar.org https://horizon-testnet.stellar.org

Third-Party Providers

For high-volume applications, consider:

  • Blockdaemon - Enterprise RPC
  • QuickNode - Multi-chain infrastructure
  • Self-hosted - Run your own nodes

Self-Hosting

Quickstart (Development)

# Run local Stellar network
docker run --rm -it \
  -p 8000:8000 \
  --name stellar \
  stellar/quickstart \
  --testnet

Production Nodes

For production deployments:

Component Repository
Stellar Core stellar/stellar-core
Horizon stellar/go
Stellar RPC stellar/stellar-rpc
Stellar Archivist stellar/rs-stellar-archivist — scan, repair, and mirror history archives

Monitoring & Observability

OpenZeppelin Monitor

Track contract events and transactions.

Feature Details
Docs See openzeppelin/monitor.md

Custom Monitoring

// Example: Track transaction status
import * as StellarSdk from "@stellar/stellar-sdk";

async function monitorTransaction(hash: string) {
  const rpc = new StellarSdk.rpc.Server("https://soroban-testnet.stellar.org");

  let status = "NOT_FOUND";
  while (status === "NOT_FOUND") {
    const result = await rpc.getTransaction(hash);
    status = result.status;
    if (status === "NOT_FOUND") {
      await new Promise(r => setTimeout(r, 1000));
    }
  }

  return status;
}

Resources