Polaris Lend

CLOB-based fixed rate fixed term lending

Plutus

Build infrastructure and sample application for conditional NFT ownership to enable use cases like rental, mortgage, and lending.

Plutope

Get paid for everything in crypto as easy as fiat

Pluto Loans

Self-repaying loans: Spend your future yield today

Planet Pay

No code/Low code workflow builder for Stellar Classic & Soroban

PHP Anchor SDK

The PHP Anchor SDK abstracts Stellar-specific functionality for running an Anchor, allowing PHP devs to focus on business logic.

Perun

We extend Perun State Channels in the Stellar ecosystem so they can utilize off-chain and cross-chain transactions.

Peridot Finance

Peridot is a cross-chain lending and borrowing protocol built natively on Stellar’s Soroban smart contract engine. Our mission is to abstract away DeFi complexity and deliver a seamless, user-friendly experience that feels more like fintech than crypto. Users can deposit collateral on one blockchain and borrow assets on another without needing to manage multiple wallets, bridges, or gas fees. Our Hub & Spoke architecture centralizes logic on Stellar, while lightweight smart contracts on other chains (e.g. Ethereum, Sui) route user interactions via Wormhole’s cross-chain messaging. Built entirely on Soroban, our smart contracts manage core lending mechanics: collateral tracking, interest accrual, liquidation, and liquidity logic optimized for low fees and WASM-based performance. What sets us apart is our focus on usability. We’ve developed a Stellar-optimized frontend that abstracts technical friction and integrates seamlessly with wallets like Freighter. An AI Strategy Agent acts as a personalized guide, helping users choose between risk-based strategies, interpret on-chain data, and make better financial decisions especially helpful for newcomers. In future releases, perpetual trading will allow users to open leveraged positions directly using supplied collateral, enhancing capital efficiency. By combining Soroban’s speed and affordability with strong UX, Peridot unlocks intuitive cross-chain DeFi for both crypto-natives and Web2 users while positioning Stellar at the center of the next generation of decentralized finance.

PeerPesa

Connecting Africa Through P2P Payments

PayZoll

PayZoll – Crypto native payouts Infrastructure on Stellar. PayZoll is building the decentralized Stripe for Web3, a modular, intelligent, and production-ready payments stack that unifies crypto and fiat transactions under one seamless roof. Built for scalability and grounded in real-world usability, PayZoll bridges blockchain rails with traditional finance, starting where it’s needed most: emerging markets. 
With Stellar's infrastructure at its core, we're building tools that are simple, secure, and scalable — unlocking Web3 finance for the next billion users. Technical Implementation : Main website : https://www.payzoll.xyz , Stellar Testnet Integrated Website(Stellar Build Better Hackathon) : https://payzoll-stellar.onrender.com 1. Bulk Transaction Contracts (Soroban) - Rust-based Soroban contract that ingests a payroll manifest (list of recipients + amounts) and executes all PaymentOps in one atomic transaction. - Role-based access control baked into the contract: only registered “employer” keys can submit batch jobs, and “auditor” keys can read execution logs. - On-chain validation of token trustlines and sufficient balances before dispatch, preventing partial failures mid-batch. 2. Multi-Hop Swap Mechanism - Soroban integration with Stellar AMM pools: our contract queries the best XLM⇄USDC (or custom-asset) path via on-chain price oracles and executes the swap immediately prior to payouts. - Optimal route discovery using the Soroban Rust SDK’s path-finding APIs, ensuring minimal slippage and predictable token conversions. - Seamless in-contract settlement: swapped funds are forwarded directly into the batch payment flow, so employers only need to fund XLM (or any single asset) and the contract handles the rest. 3. Enhanced Frontend Experience - Next.js + Tailwind UI that leverages the Stellar JS SDK and Freighter wallet for: - Real-time transaction dashboards via Horizon streaming (payment success/failure, swap quotes). - Interactive batch submission form with on-the-fly validation of recipient addresses, asset balances, and estimated network fees. - One-click payroll trigger: employers upload a CSV, review the swap rate & fee summary, then dispatch the entire payroll in a single confirmation.

Paystreme

A payment streaming platform that enables customers to pay in real time for services.

Paysapp

Stellar payments in Whatsapp

PAYRIT

Payrit is a fintech service that is aimed at bridging the gap between the banked and the unbanked, allowing payments from, within and to both user groups, redefining in-person payments in Nigeria and Africa at large. We are using modern technologies like QR payments and TAP technology for local and international transactions creating a cashless society that's dependable and safer for individuals and business owners.

PayQin

PayQin is a financial platform offering a USD wallet powered by USDC on the Stellar network, tailored to users in emerging markets. Our platform allows users to store, send, and receive funds seamlessly, providing a reliable alternative for those in cash-dependent economies. Through our integration with MoneyGram, users can fund their wallets in over 183 countries, making cross-border transactions faster, easier, and more affordable. By leveraging the Stellar network's low transaction fees and speed, PayQin brings financial inclusion to underserved markets, empowering users with modern financial tools.

Paykit

We’re building the first complete payment adapter ecosystem for modern web developers—making USDC on Stellar usable in real SaaS, AI, and infra applications without requiring any blockchain knowledge. Instead of asking developers to learn Stellar, we integrate Stellar directly into the tools they already use: BetterAuth, Clerk, Convex, Medusa, Trigger.dev, UploadThing, and the Vercel AI SDK. Each adapter removes friction, automatically creates Stellar accounts, and makes USDC the default payment rail for: Usage-based billing Metered AI workflows File uploads & storage B2B SaaS monetization With this adapter-first approach, we aim to turn Stellar into the invisible financial backbone of the modern web.

PAYGO Crypto

Empowering PAYGO distributors, the platform removes barriers for the unbanked. Aids both small and large-scale businesses

Palremit

Palremit is a digital wallet and exchange enabling safe and convenient financial transactions in multiple currencies. We offer a plethora of options in currencies from fiat to crypto while enabling international cross-border transactions across all its services.

Pakana.Net

Pakana: A blockchain-driven platform for payment and document processing using the Stellar Network and our proprietary lockb0x storage protocol. Built with our open-source SCF Awarded Projects, the Stellar Razor and Blazor Components and the Stellar Identity Framework. Pakana aims to automate and secure regulated payment and escrow transactions.

P'aid

Easy and affordable payroll with Blockchain abstracted away!

Pactta

We enhance the anchor interoperability to provide a single API that enables any fintech in LatAm to offer seamless money transfers

Outbounder

Outbounder is a platform for business and humanitarian organizations to access the Stellar anchor network. Outbounder also allows organizations to create automated payment schedules, including on-ramping, cross border payments, currency exchanging, and off-ramping.

OtterSec

We are a blockchain cybersecurity company

Ortege

AI-powered blockchain analytics & insights for Soroban, making complex data simple and accessible.

OrbitCDP

Harness Stellar's potential; collateralize with ease at OrbitCDP.