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By Paywit – Wallet-Agnostic Stablecoin Payments on Stellar
Paywit solves a core problem for Stellar adoption: there's no simple way for merchants to accept payments from any Stellar wallet. Today, merchants either build custom integrations for each wallet or limit customers to a single option. Paywit fixes this with one integration that supports every SEP-7 compatible wallet — non-custodial, instant settlement, no blockchain expertise required.
Payment API & Backend
Generates SEP-7 payment requests
Monitors Horizon for incoming USDC/XLM payments using memo ID matching
Triggers webhook notifications on settlement
Non-custodial — funds go directly to merchant's wallet
Hosted Checkout
Ready-to-use payment page
QR codes for desktop, deeplinks for mobile
Works with any SEP-7 compatible wallet
Merchant Dashboard
Register Stellar wallet for direct settlement
Create apps and generate API keys
Track payments in real-time
Developer SDKs
JavaScript and Flutter packages
Create payments and launch checkout with a few lines of code
Cross-Chain Payments
Accept USDC payments from other chains (e.g., Ethereum, Base, or Solana)
Integrates with bridge providers (e.g., Allbridge) for cross-chain settlement
All payments settle on Stellar — bringing new liquidity into the ecosystem
Impact on Stellar: Paywit lowers the barrier for merchants to accept Stellar payments, increasing real-world utility for USDC and other Stellar assets. Cross-chain integration positions Stellar as the settlement layer for multi-chain commerce.
$70.0K
Paywit is pre-launch but built on direct experience with Stellar payments at scale.
Builder Background
3.5 years building Beans, a Stellar wallet with 250,000+ users. First-hand experience with Stellar payment infrastructure and the challenges merchants face accepting crypto payments.
Product Development
Working merchant dashboard with full onboarding flow
Hosted checkout with SEP-7 integration
JavaScript SDK ready for integration
Technical architecture complete
Early Merchant Interest
Conversations with potential pilot merchants in three regions:
Vietnam
Argentina
USA
Planning to onboard initial merchants on testnet before mainnet launch.
Timeline: Month 1-2
Payment request generation
Full SEP-7 generation with validation to accept exact amounts
Wrapped SEP-7 generation to support deeplinks for supported wallets
Documentation for wallets on how to support this
Planned integration with Beans app as first adopter
Custom wallet API for payment request generation with supported wallets
Architecture designed to support cross-chain payment request generation later
Payment monitoring
Monitoring Stellar payments with unique memo_id and destination account via Horizon API
Architecture designed to plug-in cross-chain monitoring service later
Merchant authentication, API key and webhooks
OTP code via email for sign-up and sign-in
API key generation for merchants to use in their backend servers
Webhook implementations for payment status updates
Multi-chain ready architecture
Complete architectural update to support multi-chain integration with clean architecture principles
Includes domain objects and DTOs
Modular architecture (feature-based) with multi-chain support
Asset support designed for multi-chain compatibility (e.g., USDC across chains)
Merchant settlement wallet ownership verification (2 methods):
SEP-10 authentication
Micro payment verification: Paywit creates small payment request, merchant pays with their wallet to prove ownership
Merchant settlement wallet validation:
Verify account has USDC trustline
Verify account is funded and active
Infrastructure & deployment
Docker containerization for backend services
CI/CD pipeline setup
Testnet deployment
Measure completion:
API deployed on testnet
End-to-end payment flow working
Documentation published
Merchant registration and onboarding
New OTP code implementation
UX improvements in onboarding flow
Settlement wallet ownership verification:
For browser extension wallets: SEP-10 authentication
For mobile-first wallets: micro payment verification with QR code
API key generation and management
Webhook configuration
Updated payment history page with filtering by date, app, and status
Security and performance improvements
Web app deployment and hosting
Measure completion:
Dashboard deployed and accessible
Merchant can register, verify wallet, create app, configure webhooks, view payments
UX improvements for desktop and mobile responsive design
Deeplinking with supported wallets on mobile
Real-time payment status updates with timeout handling
Wallet download links shown if selected wallet is not installed on mobile
Security and performance improvements
Web app deployment and hosting
Measure completion:
Two npm packages:
@paywit/sdk — Core SDK for payment creation and management
@paywit/js — Ready-to-use UI components (payment button, checkout launcher)
TypeScript support
Documentation and examples
Measure completion:
Packages published to npm
Developer can integrate using documentation
End-to-end payment flow working on testnet
At least 1 pilot merchant onboarded and testing
Timeline: Month 3-4
Dart package for Flutter applications (pub.dev)
Payment creation and management
Checkout launcher (opens hosted checkout)
Return callback handling (app returns after payment completion)
iOS and Android support
Documentation and examples
Merchant dashboard update to include Flutter SDK integration guide
Measure completion:
Package published to pub.dev
Developer can integrate using documentation
Dashboard shows Flutter integration guide alongside JS SDK
3 pilot merchants onboarding:
Merchant via Beans — wants to accept stablecoin payments through Beans wallet
Vietnam-based company — previously working on custom Beans integration, will migrate to Paywit
US/Germany online business — personal connection, wants to accept stablecoin payments
For each merchant:
Integration support
Testing on testnet
Feedback collection
Feedback loop and iterations:
Bug fixes based on merchant feedback
UX/API improvements identified during integration
Performance and stability improvements
Documentation updates based on real integration experience
Measure completion:
All 3 pilot merchants successfully integrated
Each merchant completed test transactions on testnet
Feedback documented and critical issues resolved
Flutter SDK published
3 pilot merchants successfully testing on testnet
Critical bugs fixed, improvements implemented
Timeline: Month 5-6
Contact and establish collaboration with Stellar wallet providers
Add supported wallets to Paywit system
Wallet-specific deeplink implementation (wrapped SEP-7 pattern)
Wallet-specific custom API integration where available
Integration testing with each wallet
Target wallets: Beans (planned collaboration), plus at least 2 additional Stellar wallets based on provider partnerships
Measure completion:
At least 3 Stellar wallets integrated and tested
Integration report documenting each wallet's implementation approach and outcome
Integration with Allbridge Core for USDC payments from Solana to Stellar.
Infrastructure:
Allbridge Core REST API deployment (Docker microservice)
Paywit backend integration to call Allbridge API
Raw transaction generation for Solana bridge transactions
User-facing:
Hosted checkout updates to support Solana wallet selection
Wallet deeplink and QR payment support for at least one Solana wallet
Real-time payment status updates during 5-20 min bridge settlement
Error handling for failed or stuck bridge transactions
Merchant-facing:
Merchant dashboard updates to display cross-chain payments
Cross-chain payment history with source chain and bridge status
Webhook notifications for cross-chain payment completion
Monitoring:
Payment monitoring via Allbridge status API + Stellar Horizon streaming
Bridge transaction status tracking and timeout handling
Measure completion:
Cross-chain payment working end-to-end on testnet
User can pay with Solana USDC, merchant receives Stellar USDC
At least 1 Solana wallet supported
Merchant dashboard shows cross-chain payment details
Infrastructure:
Production server setup and configuration
Environment separation (testnet/mainnet)
Allbridge mainnet configuration and pool verification
Database backup and recovery setup
Security:
Rate limiting implementation
API authentication hardening
Encryption for sensitive data (API keys, webhooks)
Monitoring:
Uptime monitoring and alerting
Error tracking and logging
Migration:
Migrate and test pilot merchants to production environment
DNS and SSL configuration
Measure completion:
Platform live on Stellar mainnet
Cross-chain payments (Solana → Stellar) working on mainnet
All pilot merchants activated on production
At least 3 Stellar wallets integrated and tested
Cross-chain payments working end-to-end (Solana → Stellar)
At least 1 Solana wallet supported with deeplink/QR payment
Platform live on Stellar mainnet
All pilot merchants activated and processing real payments
Team Size: 1 (Solo Founder)
Expertise: Software engineer with 3.5 years as founding engineer at Beans App, building production Stellar wallet and payment infrastructure serving 250,000+ users. Hands-on experience with SEP-6/7/10/24/30, Horizon API, and Soroban smart contracts.
Previous Companies: This is my first independent project. I have not founded a company before, but have been a core technical contributor at Beans since near its founding.
LinkedIn: https://linkedin.com/in/yusuf-da/
Yusuf
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