Public P2P
Unstealthed Stellar payments are the first public route: request, review, wallet-controlled signing, submission, and receipt evidence.
P2P Stellar payments with optional privacy.
Zellar is a Stellar-native payment workspace for public peer-to-peer payments, request and receipt organization, settlement evidence, and an optional shielded route planned through STEALTH.
MVP
A P2P payment app users can understand.
Zellar organizes requests, payment reviews, receipts, and settlement evidence without hiding wallet authorization, custody boundaries, or route readiness from the user.
PayFi organization
Zellar tracks requests, invoices, receipts, counterparties, and payment status. It does not include loans, credit, yield, underwriting, or custody.
Optional privacy
STEALTH is planned to let a user shield an asset, send shielded value peer to peer, and optionally unshield. The private route remains gated while proof, pool, and recovery work is verified.
STEALTH protocol · optional private P2P route
Shielded peer-to-peer payments inside Zellar.
STEALTH is currently a local review track being prepared for safe Testnet integration. No Zellar shielded transfer is live, audited, or production-ready.
1
Shield asset
Move a reviewed Stellar asset into its matching Soroban pool.
2
Send peer to peer
Create a client-local proof and encrypted output for the recipient.
3
Recover privately
The recipient discovers and restores the shielded output.
4
Unshield optionally
Withdraw to a public Stellar destination when the owner chooses.
Current traction
Pre-Testnet MVP work is underway.
The current build is intentionally safety-gated: no mainnet deployment, real assets, custody, wallet-secret storage, lending, or unreviewed signing has occurred.
- Local Zellar P2P payment review workspace with public and private route states.
- SEP-7 request generation, Freighter connector, and gated XLM Testnet lifecycle code.
- PayFi-style request, invoice, receipt, counterparty, and settlement-evidence organization without loans.
- Fail-closed STEALTH note-vault, recipient-recovery, event-checkpoint, and readiness reviews.
- Read-only STEALTH source audit and tested STEALTH_DOMAIN_V1 binding for pool, asset, network, and protocol version.
- Phase 1Public website and MVP plan
- Phase 2Zellar P2P payment review
- Phase 3Public Stellar Testnet payment path
- Phase 4Optional STEALTH P2P test flow
- Phase 5Review, hardening, and user testing
What we are building toward
A usable Zellar P2P payment MVP for Testnet review.
The next product stage moves Zellar from local prototype and architecture work into an accessible Testnet product with public P2P payments, settlement evidence, and a visible optional privacy path.
Integrations used
Stellar, Soroban, Supabase, Freighter, SEP-7, Stellar SDK, Stellar CLI, Passkey Kit pilot, Circom, Groth16, BN254, wasm-bindgen, and browser-local artifact verification.
Safety boundary
Private note material, witnesses, recovery data, and wallet secrets must remain client-local. Servers coordinate app state; they do not custody funds or secrets.
Success criteria
A public MVP where testers can understand Zellar, complete basic public Testnet P2P payment flows, and evaluate an optional STEALTH privacy-payment path.