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What is PayOnProof?

PayOnProof (POP) is a simple interface that aggregates multiple Stellar anchors and routes cross-border payments through the best available rate in real-time. It’s not a bank or marketplace—it’s the layer that optimizes how SMEs pay internationally.

Quickstart

Get started with PayOnProof in under 5 minutes. Send your first payment and receive verifiable proof.

How it works

Understand the payment routing flow, anchor aggregation, and on-chain verification architecture.

API reference

Explore REST endpoints for route comparison, transfer execution, and proof generation.

Development

Set up your local environment and start building on PayOnProof.

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The problem

SMEs and freelancers in LATAM lose between 3% and 8% per international payment due to:
  • Hidden exchange rate spreads
  • Accumulated correspondent bank fees
  • Unpredictable settlement times (3-5 business days)
  • Lack of transparency about real costs
While Stellar anchors exist with better conditions, integrating them individually is technically complex for the average SME. Result:
  • Eroded margins
  • Reduced competitiveness
  • Constant operational friction

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The solution

PayOnProof aggregates multiple Stellar anchors into a single interface and:
  • Queries rates in real-time
  • Normalizes fees and conditions
  • Allows manual selection or “Choose for me” auto-routing
  • Executes payment through the most economical route
  • Records a verifiable on-chain event
What you see: 
Amount sent → Amount received → Total fee → Estimated time
No complex wallets. No technical integrations. No opacity.

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Key benefits

Save 3-8%

Reduce payment costs compared to traditional banking by routing through the best anchor rates.

Minutes, not days

Settlement in minutes instead of 3-5 business days with traditional correspondent banking.

Full transparency

See all fees, exchange rates, and conditions before confirming. No hidden costs.

Verifiable proof

Every payment generates an on-chain proof with transaction hash, timestamp, and settlement details.

Auto-routing

Let PayOnProof automatically select the best route based on fees, speed, and reliability.

Multi-anchor

Access multiple Stellar anchors through a single integration instead of building each connection yourself.

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How PayOnProof works (4 steps)

1

Enter details

Select your origin country, destination country, and amount. PayOnProof instantly queries all available anchor routes.
2

Compare routes

View side-by-side comparison of fees, settlement speed, escrow options, and anchor operational status.
3

Execute transfer

One click to execute. Optional escrow protection secures funds through every leg of the journey.
4

Receive proof

A verifiable, portable Proof of Payment is generated on-chain. Share it with anyone, anywhere.
PayOnProof does not custody funds long-term. KYC and compliance are handled by the anchors themselves.

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Stellar standards used

PayOnProof is built on established Stellar Ecosystem Proposals (SEPs):
  • SEP-1: Anchor information discovery via stellar.toml
  • SEP-10: Authentication via challenge/response flow
  • SEP-24: Interactive anchor transfers (deposit/withdraw)
  • SEP-31: Cross-border payments direct to anchors

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On-chain vs off-chain

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On-chain (Stellar blockchain)

  • Transaction hash
  • Anchor used
  • Timestamp
  • Final settled amount
  • Verifiable event ID

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Off-chain (PayOnProof API)

  • Route simulations
  • Personal data
  • User preferences
  • Savings analytics
PayOnProof does not custody funds. All transactions settle through Stellar anchors with established compliance processes.

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Next steps

Send your first payment

Follow the quickstart guide to route your first cross-border payment in under 5 minutes.

Explore the architecture

Deep dive into payment routing, anchor discovery, and verification mechanisms.

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