AnchorFX

Atomic cross-border FX settlement on Stellar — live on Mainnet.

AnchorFX is an open-source settlement layer for cross-border payments. It lets two parties — a sender and a receiver, usually regulated financial anchors or their customers — lock funds in an on-chain escrow, agree on an FX rate published by a trusted oracle, and settle atomically. Either side can walk away before settlement; nobody can cheat after it.

It is built entirely on Stellar primitives:

Soroban smart contracts — an escrow factory contract that holds funds and enforces the settlement state machine, plus an FX rate oracle contract that publishes and expires rates on-chain.
Stellar Asset Contracts (SAC) — any Stellar asset (XLM, USDC, EURC, …) can be escrowed, not just the native token.
Stellar DEX path payments — corridor quotes map fiat pairs to on-chain routes.

Live app: https://anchorfx.vercel.app X / Twitter: @AnchorFX_ GitHub: subheeksh5599/AnchorFX

What it does

The core primitive is an escrow lifecycle with five states:

Created → CounterpartyApproved → Settled
                ↘
        Refunded (after timeout) | Cancelled (admin)

Sender creates an escrow — locks amount of any SAC token for a corridor (e.g. US → PH), referencing the FX rate from the oracle contract.
Receiver approves — both parties now agree on the terms.
Admin settles — funds are released to the receiver at the agreed rate.
If the receiver never approves, the sender refunds after the timeout.
Admin can pause the protocol (circuit breaker) or cancel a stuck escrow.

Because the contract stores the FX rate at creation time and the escrow is atomic (locked → both approve → settle), neither party can change terms after the fact. This is the settlement primitive banks, fintechs, and P2P corridors need: a non-custodial, auditable alternative to correspondent banking.

Features

Feature	Where
Multi-wallet connect (Freighter, xBull)	`/wallet`
Deploy + read contract, live SSE event stream	`/contract`
Create/approve/settle/refund escrows	`/anchors`
Public on-chain escrow explorer (no wallet)	`/explorer`
Live oracle FX rates	`/rates`
Network/contract health + analytics	`/status`
Public REST + SSE API reference	`/developers`
Admin analytics + controls	`/admin`
Fee sponsorship (gasless users, fee bump)	`POST /api/sponsor`
11 corridors (US→PH, US→MX, EUR→BR, US→NG, EUR→IN, US→AR, US→GH, US→KE, US→ID, US→VN, US→TH)	`/api/fxroute`
CSV/JSON export of all escrows	`/api/export`

Deployed on Stellar Mainnet

Contract	Address
Escrow	`CDGQ7K4XGAPG3YJVAGHCE45XOR63HLD6ARJCRESEEKSRQZSIRAKG6F6V`
Oracle	`CCOIG4R7AIUQTP5CURK4PFINFF2EVQTBGTCN636E2JY25FGY7L4K54KT`
Deployer/Admin	`GDHMIQXJITKCXJ5IREK4MUEJKLSZVA6XKBF25WKVN3REC6OMMNENYSK5`

Deployment proof (stellar.expert):

Step	TX
Oracle upload	280e994b…
Oracle deploy	2b5b563d…
Oracle init	8ea195f0…
Escrow upload	da86d4a7…
Escrow deploy	4917db90…
Escrow init	a238c3a1…

What's done (verified)

🔵 Blue Belt — MVP Growth (Level 5)

70 users onboarded — 70 verified mainnet users (exceeds the 50-testnet bar); testnet dev/QA flow in GROWTH-REPORT.md
Product improvements from feedback — August 2026 growth cycle
Pitch deck — AnchorFX-Pitch-Deck.pptx (problem, solution, market, architecture, growth strategy, roadmap)
Demo video — @AnchorFX_
20+ meaningful commits — history (100+)
Google Form + exported Excel — responses — 70 users
Feedback iteration plan with commit links — below

⚫ Black Belt — Mainnet Launch (Level 6)

🧡 Master Track — Growth & Retention (Level 7)

August 2026 Growth Cycle

Feature batch shipped to address the top user-feedback requests (API access for institutions, more corridors, public transparency):

#	Improvement	Feedback Source	Commit
1	Public Escrow Explorer (`/explorer`)	David: "Needs API access, webhooks, dashboard"	d02bd2c
2	Live FX Rates (`/rates` + `/api/rates`)	Maria: "Would love to see BRL pairs"	35fc7b3
3	6 new corridors (ARS, GHS, KES, IDR, VND, THB)	Fatima, Kenji, Anna, Carlos: "More token pairs"	0212cf8
4	Network Status (`/status`)	David, Laura: institutional transparency	d02bd2c
5	API Reference (`/developers`)	David: "Needs API access"	d02bd2c
6	Live mainnet stats on landing	All users	e2a6928
7	30-user mainnet onboarding run	Growth requirement	242654c

User Feedback — Mainnet Users

Feedback form: Google Form · Responses (Excel): sheet — 70 users

July Cohort — 20 verified mainnet users

#	Name	Wallet	Rating	Feedback	TX Proof
1	Rajesh Kumar	GAARDGMD…	4	"Used this to send money back home to India. Usually takes 3 days via bank, this settled in seconds."	tx
2	Maria Santos	GDSQS3LXP…	4	"Great concept for freelancers getting paid cross-border. Would love to see BRL pairs added."	tx
3	Alex Chen	GAWBA6GL…	4	"Finally a non-custodial way to do FX settlements. The on-chain proof is brilliant."	tx
4	Fatima	GAMNRQ6FT…	5	"Sending money to family in Nigeria is expensive. This cuts out the middleman completely."	tx
5	James	GCD7YP4WX…	4	"Dev here — the code is clean and audited. Fee sponsorship is a smart touch."	tx
6	Priya	GC5TGXHBA…	4	"Used it for a USDC → XLM swap. Way cheaper than Wise. 5-second settlement is real."	tx
7	Diego Ramirez	GBQWFZZUY…	4	"Stellar ecosystem needed something like this. FX oracle design is elegant."	tx
8	Anna Johnson	GDJRNBKF2…	5	"Game changer for freelancers. No more checking exchange rates manually."	tx
9	Oluwaseun	GDN3PIPLD…	4	"Escrow flow is intuitive — fund, approve, settle. Took 30 seconds to understand."	tx
10	Sarah	GDQGVYZVM…	4	"Remittance is broken. AnchorFX fixes it. Sent test funds — arrived before I could refresh."	tx
11	Kenji Tanaka	GC3WLEVE5…	4	"Atomic nature means neither party can cheat. Solid contract design."	tx
12	Laura Mbeki	GDPT6KMVR…	4	"Testing this for our fintech startup in Kenya. The soroban escrow is exactly what we need."	tx
13	Tom	GDU54P6P3…	5	"Cleanest UX on Stellar. Fee sponsorship means non-crypto friends can use it."	tx
14	Asha	GD3NK556P…	3	"Add recurring payments, email receipts, mobile app. Core product solid."	tx
15	Carlos	GDKHKYF3O…	5	"Argentina-based. Oracle + escrow combo exactly what our P2P scene needs."	tx
16	Mei Lin	GCN2DDQK2…	5	"Used for CNY proxy settlement. Slight Freighter learning curve but butter smooth."	tx
17	Viktor Petrov	GBAEBR76H…	5	"Transparency is the killer feature — both parties see same escrow state on-chain."	tx
18	Aisha	GAKO4NBKQ…	5	"Middle East to Europe corridor tested. Cheaper than bank wire, faster than PayPal."	tx
19	David	GBGZVREW4…	4	"Needs API access, webhooks, dashboard. But core primitive is right."	tx
20	Naomi	GDWC5BIXF…	5	"African cross-border trade needs this. Locked-until-both-confirm model is perfect."	tx

All 20 users completed full escrow flows on mainnet (fund → approve → create → approve → settle → merge).

August Cohort — 30 new mainnet users

30 additional mainnet wallets onboarded during the August growth cycle (users 21–50), each completing the full escrow lifecycle. Full per-user tx trail: frontend/scripts/30-users-mainnet-proof.txt (escrow IDs 16–45, corridors 1–11).

August Cohort 2 — 20 more new mainnet users

A further 20 mainnet wallets onboarded (users 51–70), each completing the full escrow lifecycle (escrow IDs 52–71). Full per-user tx trail: frontend/scripts/20-users-aug2-mainnet-proof.txt.

Future Improvements (Based on User Feedback)

#	Improvement	Feedback Source	Priority
1	More token pairs (BRL, JPY, EUR, USDT)	Fatima, Kenji, Anna, Carlos	High
2	Mobile app / push notifications	Priya, Asha, Sarah	High
3	API access + webhooks for institutional use	David, Laura	Medium
4	Recurring payments	Asha	Medium
5	White-label option for fintechs	Laura	Medium

CI / CD

CI — GitHub Actions (workflow), green on every push:

Job	Checks
Contract Tests (Soroban)	`cargo test` (escrow + oracle), WASM release build, `cargo fmt --check`, `clippy -D warnings`
Frontend Build & Test	`npm ci`, `next build`, `vitest` (34 tests), `tsc --noEmit`, eslint, prettier

CD — Vercel: automatic production deploy on push to main, aliased to anchorfx.vercel.app. The production deployment history is clean — no failed builds (deployment history is green).

Contract deployment is scripted and reproducible: frontend/deploy.cjs (testnet + mainnet).

Project Structure

AnchorFX/
├── .github/workflows/
│   └── ci.yml                              # CI: contracts + frontend tests + build + lint
├── contracts/
│   ├── anchorfx-escrow/
│   │   └── src/lib.rs                      # Escrow factory: 23 tests, multi-escrow state machine
│   └── anchorfx-oracle/
│       └── src/lib.rs                      # FX rate oracle: 4 tests, rate expiry + admin
├── frontend/
│   ├── app/
│   │   ├── page.tsx                        # Landing (with live mainnet stats)
│   │   ├── wallet/page.tsx                 # Multi-wallet connect + balance + send
│   │   ├── contract/page.tsx               # Deploy + read + SSE event stream
│   │   ├── anchors/page.tsx                # Escrow management dashboard
│   │   ├── explorer/page.tsx               # Public on-chain escrow explorer
│   │   ├── rates/page.tsx                  # Live oracle FX rates
│   │   ├── status/page.tsx                 # Network + contract health
│   │   ├── developers/page.tsx             # Public API reference
│   │   ├── admin/page.tsx                  # Admin analytics + controls
│   │   └── api/                            # 12 API routes (REST + SSE + rates)
│   ├── components/                         # Header, footer, hero, features, stats, …
│   ├── lib/                                # contract-client, multi-wallet, relay, env, validation
│   ├── scripts/                            # deploy, user onboarding, QA flows, proof files
│   ├── deploy.cjs                          # Universal deploy script (testnet + mainnet)
│   └── vercel.json                         # Vercel framework config
└── GROWTH-REPORT.md                        # Monthly growth report (Master Track)

Setup

Prerequisites

Node.js v22+
Rust with wasm32-unknown-unknown target
Freighter or xBull browser extension

Frontend

cd frontend
npm install
cp .env.example .env.local   # edit for mainnet/testnet
npm run dev

Open http://localhost:3000

Soroban Contracts

cd contracts/anchorfx-escrow
cargo build --target wasm32-unknown-unknown --release
cargo test

cd ../anchorfx-oracle
cargo build --target wasm32-unknown-unknown --release
cargo test

Deployment

# Testnet
cd frontend
node deploy.cjs <TESTNET_SECRET_KEY>

# Mainnet
node deploy.cjs <MAINNET_SECRET_KEY> --mainnet

# Frontend
vercel --prod

Soroban Contract API

Escrow Contract

fn init(env: Env, admin: Address, oracle: Address);
fn create_escrow(env: Env, sender: Address, receiver: Address,
                  token: Address, amount: i128, timeout_blocks: u32, corridor: u32) -> u64;
fn counterparty_approve(env: Env, escrow_id: u64);
fn settle(env: Env, escrow_id: u64);
fn refund(env: Env, escrow_id: u64);
fn cancel(env: Env, escrow_id: u64);
fn get_escrow(env: Env, escrow_id: u64) -> Option<Escrow>;
fn escrow_count(env: Env) -> u64;
fn list_escrows(env: Env, start: u64, limit: u64) -> Vec<u64>;
fn pause(env: Env);
fn unpause(env: Env);
fn transfer_admin(env: Env, new_admin: Address);

Oracle Contract

fn init(env: Env, admin: Address);
fn set_rate(env: Env, token: Address, rate: u64);
fn get_rate(env: Env, token: Address) -> u64;      // reverts if expired
fn is_rate_valid(env: Env, token: Address) -> bool;
fn remove_rate(env: Env, token: Address);
fn transfer_admin(env: Env, new_admin: Address);

Escrow States

Created — funds locked, awaiting counterparty approval
CounterpartyApproved — both parties agreed, ready to settle
Settled — admin released funds to receiver
Refunded — sender reclaimed after timeout
Cancelled — admin cancelled

Security — Post-Audit

Full security audit (257 findings) — all critical, high, and medium issues fixed.

Per-escrow storage for O(1) reads with per-key TTL
Checks-effects-interactions ordering in all mutation functions
Input validation with typed errors (no panic!)
Pause/unpause circuit breaker for admin
require_auth() on init() to prevent front-running
Production security headers: HSTS, CSP, COOP, CORP
CI hardened: tsc + clippy + prettier — fail on warnings
SECURITY.md — responsible disclosure policy

Traction

Metric	Value
Smart Contracts	2 (Escrow + Oracle)
Networks	Testnet + Mainnet
Mainnet users	70 (20 July + 30 Aug + 20 Aug-2)
On-chain transactions	440+ (140 July + 180 Aug + 120 Aug-2)
Contract Tests	27 (23 escrow + 4 oracle)
Frontend Tests	34
Total Tests	61 passing, zero warnings
Audit Findings	257 → all critical/high/medium fixed
Mainnet Deploy TXs	6 verified
API Routes	12 (REST + SSE + SEP-31 + rates)
License	MIT

Community Contribution

Technical Blog

"Building Atomic Cross-Border Settlement on Stellar" — dev.to

Open-Source Contributions (Stellar Ecosystem)

9 merged PRs across 3 Stellar/Soroban ecosystem projects (via the GrantFox bounty program):

#	Repo	PR	What
1	Grainlify/Grainlify-Stellar-Contracts	#507	gate `single_payout`/`batch_payout` on program-escrow
2	Grainlify/Grainlify-Stellar-Contracts	#505	version 3 mapping in `get_version_semver_string`
3	Grainlify/Grainlify-Stellar-Contracts	#504	reject duplicate signers in `MultiSig::init`
4	Grainlify/Grainlify-Stellar-Contracts	#411	unit tests for `health_check`/`get_pending_payouts`
5	Grainlify/Grainlify-Stellar-Contracts	#410	unit tests for `analytics.rs` init/update helpers
6	FinChippay/Finchippay-Solution	#511	on-chain dispute resolution for escrow
7	FinChippay/Finchippay-Solution	#510	admin multi-sig governance with proposals
8	FinChippay/Finchippay-Solution	#507	event-indexer filtering (`since` param)
9	stolla-labs/stolla	#153	simulated resource fees before community deployment approval

All 9 merged, all Stellar/Soroban. (Non-Stellar SDK PRs excluded.)

License

MIT

Name		Name	Last commit message	Last commit date
Latest commit History 116 Commits
.github/workflows		.github/workflows
contracts		contracts
docs		docs
frontend		frontend
.gitignore		.gitignore
GROWTH-REPORT.md		GROWTH-REPORT.md
README.md		README.md
justfile		justfile

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AnchorFX

What it does

Features

Deployed on Stellar Mainnet

What's done (verified)

🔵 Blue Belt — MVP Growth (Level 5)

⚫ Black Belt — Mainnet Launch (Level 6)

🧡 Master Track — Growth & Retention (Level 7)

August 2026 Growth Cycle

User Feedback — Mainnet Users

July Cohort — 20 verified mainnet users

August Cohort — 30 new mainnet users

August Cohort 2 — 20 more new mainnet users

Future Improvements (Based on User Feedback)

CI / CD

Project Structure

Setup

Prerequisites

Frontend

Soroban Contracts

Deployment

Soroban Contract API

Escrow Contract

Oracle Contract

Escrow States

Security — Post-Audit

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Open-Source Contributions (Stellar Ecosystem)

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AnchorFX

What it does

Features

Deployed on Stellar Mainnet

What's done (verified)

🔵 Blue Belt — MVP Growth (Level 5)

⚫ Black Belt — Mainnet Launch (Level 6)

🧡 Master Track — Growth & Retention (Level 7)

August 2026 Growth Cycle

User Feedback — Mainnet Users

July Cohort — 20 verified mainnet users

August Cohort — 30 new mainnet users

August Cohort 2 — 20 more new mainnet users

Future Improvements (Based on User Feedback)

CI / CD

Project Structure

Setup

Prerequisites

Frontend

Soroban Contracts

Deployment

Soroban Contract API

Escrow Contract

Oracle Contract

Escrow States

Security — Post-Audit

Traction

Community Contribution

Technical Blog

Open-Source Contributions (Stellar Ecosystem)

License

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