Stellar for Fintech Applications

Fintech companies around the world are trying to solve one of today’s most important problems — how do we, as a financial community, provide equitable access to a reliable, affordable and efficient global financial system? The answer: Stellar.

Stellar is a proven blockchain network that leads the way in compliance and is built for interoperability between global payment systems. With the goal of enhancing the global financial system, not supplanting it, Stellar has always been built and designed to make it easy and efficient to move currency internationally.
Stellar for Fintech Applications


Transparency is a core tenet of the Stellar network. Stellar has built-in compliance features that promote safety and transparency, including a public ledger and a network of international anchors. Anchors on the Stellar network are financial institutions, money services businesses, or Fintech companies that provide valuable on- and off-ramping services, often utilizing compliance-oriented apps and services built on Stellar to provide borderless access to financial infrastructure.


As an emerging Fintech company, your focus should be on building a product that provides your users a great experience. This is why Stellar, with its open financial infrastructure, supports a suite of tools and services that will help you build and launch innovative financial products and services. Anyone can build on the network, from independent developers in Brazil to regulated financial companies in Germany. You can combine your innovative services and products with Stellar’s open-source, decentralized network to transform the global financial system.


Euros, Bitcoins, US dollars, Mexican pesos, Argentinian pesos, Brazilian reais, Nigerian naira and more already exist as tokens on the network. Their respective issuers handle minting, deposit, and redemption, so you can focus on the end-user experience.

With Stellar, fintech platforms can offer:

Global access to USDC and other stablecoins.One of the main motivations for using digital wallets in emerging markets is permitting users to access digital versions of major global currencies (aka “stablecoins”). Customers can use their wallets to access USDC in a few simple steps.
Easy cash in and onboarding.

As wallets seek to grow their user base, partnering with Stellar anchors that have the ability to accept fiat value and onboard the customer gives wallets a new acquisition channel. Wallets can leverage standard Stellar protocols (referred to as “SEPs”) to access the relevant anchors either or via an interactive . Wallets can also take advantage of the to make it even easier for users to sign up on select Samsung devices, and Stellar key recovery tools to restore private keys.

New cash-out destinations, including mobile money.

Whether enabling customers in new geographies to convert to their home fiat currency, or designing an international peer to peer (P2P) payments flow, the Stellar Anchor Network𒉰 extends the reach of wallet applications to new geographies around the world. Stellar Anchors often support “difficult” currencies in emerging economies, many of which lack liquidity in retail forex markets, as well as local cash out methods that permit users to move from digital assets back into their local fiat currency. Stellar anchors give you access to local rails, including ACH in the US, mobile money in Kenya, and SEPA in Europe.

The Benefits of Stellar

StabilityBuild on a completely decentralized network and avoid downtime.
InteroperabilitySeamlessly operate across borders and navigate different compliance requirements.
EfficiencyEnable your users to transfer value in seconds, for a fraction of a cent.

Start using Stellar

Stellar’s expanding network of anchors, applications, developers and companies is changing how people exchange and send money. 

When applications want to integrate Stellar, their first design decision is whether to build a custodial or noncustodial wallet -- in short, do they want to custody their customers’ keys and funds, or have the customers do it themselves?

The next question is in which geographies the applications want to have on and off ramps to tokenized assets.

Anchors & Available Features

Explore the full Stellar Anchor directory

Please note you will need to integrate with the Stellar network Horizon APIs as well as Stellar Anchor APIs () which may require a separate agreement with an anchor.

The final question is what tokenized assets and use cases you plan to offer customers. If you’re curious how Stellar could help you grow your business, we’d love to talk.