Corridor

Corridor is the payment ledger and router that licensed payment companies run in their own environment, on their own keys. It runs cross-border stablecoin payouts across the anchors and providers a company already uses, exactly once, and keeps one set of books that matches the chain, from the customer’s funding to the beneficiary’s bank credit.

Stellar is the settlement hub. Corridor doesn’t hold money, provide liquidity or carry licences — anchors and licensed operators do that, and Corridor runs payouts across them.

Corridor is software, not a custodian or a money transmitter. It runs in the customer’s environment and signs through the customer’s own KMS or MPC (Keys and signers). Customers keep their licences, their KYC, their funds and their end-customer relationships, and they start read-only: no keys, nothing moves.

What runs today

A payout runs end to end on Stellar testnet: the route planner picks the legs, the saga engine funds the anchor order exactly once, and the double-entry ledger closes with no invariant violations.

32 bytes

One reference, carried whole in Stellar’s MEMO_HASH, which is exactly 32 bytes.

7 dp

The ledger keeps Stellar’s own precision, so a booked balance can equal an on-chain balance exactly.

298 tests

Over the venue, the planner, the ledger, the saga engine and the SEP anchor adapter.

0 keys

Customer keys Corridor holds. Every vault signs through the customer’s own signer.

Reproduce it with pnpm stellar:wallets && pnpm stellar:smoke, then pnpm stellar:payout for the whole saga. Both runs are on the Evidence page with their transactions.

No anchor is signed yet, so no real local currency has moved on Stellar. SEP-6 collections are unimplemented, the cctp.transfer leg is declared in the route graph but not written, the MGUSD, PYUSD and USDT issuers are unset pending verification, and there is no treasury console. Roadmap says what is next; Evidence says what has actually run.

Who it’s for

Licensed remittance operators, payout companies, PSPs and business-FX firms that send stablecoin payouts through two or more anchors or providers. That is where payouts stall halfway, retries pay twice and fees go unexplained. A company with one provider on one chain is well served by that provider’s dashboard; Corridor is for the companies that have outgrown it.

How it works

Every flow is a collection into the Stellar hub or a payout out of it.

Every flow is either a collection into the Stellar hub or a payout out of it. A diaspora transfer into Nairobi is a euro collection followed by a shilling payout; a Nigerian importer paying a supplier in Shenzhen is a naira collection followed by a yuan payout.

Because anchors settle on Stellar itself, the common payout path has no bridge in it at all, and because every anchor speaks the same SEPs, adding a corridor is a domain and an asset rather than an integration: N integrations instead of N×N corridors.

Each payout is a durable saga. Every external step is recorded before Corridor waits on it, every movement is booked from the transaction that caused it, and the same 32-byte reference rides every leg.

Explore

Ten-minute review

For a Stellar reviewer: what to read, in order, to judge the work — and what to run.

What Corridor is

The product, who it serves, and the state of every capability.

Read-only pilot

How a payment company starts: watch the Stellar accounts it already runs and match its own payout records.

Architecture

Ledger, route planner, saga engine and reconciliation: one engine per concern.

Anchors as spokes

SEP-1, 10, 12, 38 and 31 behind one partner interface.

The opportunity

$31.6T of cross-border B2B payments, under 1% on stablecoins so far, and how Corridor earns on it.

Evidence

Every transaction behind these claims, linked to its explorer.

Decisions

Twelve records: the context, the decision, the consequences, the alternatives rejected.

Corridor’s earlier prototype settled on Tempo and paid ₦3,891.48 into a Nigerian bank account 74 seconds after 2.90 USDC.e left a vault on 11 October 2026. That build lives in its own repository and is kept as evidence of the prototype. Stellar is Corridor’s home from here.