Stellar
Stellar network chain reference for Plaidly
Stellar
Status: coming soon. Plaidly does not yet settle payments on Stellar. The details below describe planned support. Today only Ethereum and Solana are settleable.
Overview
| Property | Value |
|---|---|
chain value | stellar |
| Finality | 1 ledger (~5 seconds) |
| Native token | XLM |
| Address format | 56-character Base32 string (G-address) |
| Mainnet RPC | Planned |
| Testnet | Stellar Testnet |
Supported tokens
| Token | Asset Code | Issuer |
|---|---|---|
| XLM (native) | XLM | — |
| USDC | USDC | GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN |
Confirmations
When Stellar settlement ships, Plaidly will require 1 ledger confirmation before marking a payment confirmed. Stellar achieves consensus in approximately 5 seconds using the Stellar Consensus Protocol (SCP).
Fees
Stellar fees are extremely low — a base fee of 100 stroops (0.00001 XLM, less than $0.001) per operation. Each account must maintain a minimum balance of 1 XLM.
Testnet (Stellar Testnet)
- Faucet: https://laboratory.stellar.org/#account-creator?network=test
- Explorer: https://testnet.stellar.expert
- Use the sandbox simulate endpoint for instant test confirmations
Address format
Stellar addresses (G-addresses) are 56-character Base32-encoded strings:
GAAZI4TCR3TY5OJHCTJC2A4QSY6CJWJH5IAJTGKIN2ER7LBNVKOCCWNMemo field
Stellar uses memos to route payments to specific accounts when using shared receiving addresses. Plaidly automatically assigns unique memo values for each payment session.
Notes
- Stellar is purpose-built for cross-border payments and asset issuance
- USDC on Stellar is native (Circle is the anchor/issuer)
- The Stellar Consensus Protocol (SCP) is federated — validators form quorum slices
- Stellar supports multi-asset atomic swaps via its built-in DEX
- Minimum account reserve of 1 XLM applies; Plaidly handles account creation automatically