- Contract Address: CDFXJWPGADPOVK6MROIKOT3RRANCZ576AJSM5JG3WTZRTY6YEYHSMSCC
- INRPC stablecoin distributor public key (with Liquidity Pool): GBY2U4EXSIKIOILN3WXE6LCJ4PBNKXHHPGIZFALMPQROWMRFVZHOA346
Stellix is a hybrid decentralized payment infrastructure designed to bridge the gap between traditional financial systems and Web3. It combines blockchain transparency and speed with familiar banking-grade security mechanisms to deliver a seamless, secure, and user-friendly digital payment experience.
Built on the Stellar Network, Stellix enables fast, low-cost peer-to-peer and cross-border payments while abstracting the complexity of blockchain interactions for end users. The platform focuses on trust, usability, and interoperability, making decentralized finance accessible to both crypto-native and non-crypto users.
Current digital payment systems face several limitations:
- Fragmented and inefficient payment infrastructures
- High fees and slow settlement for cross-border transfers
- Poor usability and security concerns in crypto-based payments
- Low user trust due to lack of consumer protection mechanisms
These issues hinder mainstream adoption of blockchain-based payments.
Stellix introduces a hybrid payment model that merges traditional financial safeguards with blockchain efficiency.
Key design principles:
- Familiar security flows for users
- Automated asset interoperability
- Transparent and verifiable settlement
- Minimal user exposure to Web3 complexity
Each transaction is protected using one-time password (OTP) verification, adding a banking-style authentication layer before blockchain settlement.
Funds are securely held until transaction conditions are fulfilled, ensuring safety and trust for both sender and recipient.
Stellix supports automatic asset conversion during payments. Users can send one asset while the recipient receives their preferred asset without manual intervention.
Example:
- Sender pays in XLM
- Receiver receives INRPC
- Conversion is handled seamlessly in the backend
- Near-instant transaction finality
- Extremely low transaction fees
- Native support for multi-asset payments
- Live multi-asset wallet integration
- Secure peer-to-peer payments
- QR-based scan-and-pay transactions
- Real-time balance updates and transaction tracking
- Support for XLM, USDC, USDT, INRPC, and other Stellar-issued assets
The MVP is functional and production-ready for scaling.
- User initiates protected payment from Stellix app
- OTP is generated
- Funds are locked in escrow logic
- Asset conversion is executed if required
- Final settlement occurs on the Stellar blockchain if OTP is verified by receiver
- Integration with banks and fintech partners
- Expansion into cross-border remittance services
- Enterprise-grade blockchain payment solutions
- AI-driven fraud detection and risk analysis
- Blockchain: Stellar Network
- Backend: Node.js, Express, Appwrite
- Blockchain SDK: Stellar SDK
- Frontend: Next.js (Mobile first UI)
- Security: OTP verification, escrow-based logic, with Shamir's SSS logic
