Apps that run on Stellar, sorted by what they let you do

Stellar apps are consumer and business apps that use the Stellar network under the hood to move money: they let you receive a remittance, hold digital dollars, cash out at a counter, pay with a card or settle with suppliers. In most of them you never see the letters “XLM”. What you see is a dollar balance, a cash-pickup code or a card, while Stellar handles the transfer and settlement in the background in about 5 seconds per ledger.

This page is about what apps that use Stellar let you do. If your question is “which wallet should hold my keys?”, our Stellar wallet guide is the better starting point. Here we look at the jobs, and at what is actually available in Asia, which is less than headlines suggest.

What makes something a Stellar app

Stellar was built as a payments network, so its apps tend to look like fintech products rather than crypto trading tools. The pattern is almost always the same. A regulated company, often called an anchor, takes in local money and gives you a token on Stellar, usually a stablecoin. The app moves that token over the network for a fee of a fraction of a cent, and another anchor or a cash agent pays it out at the other end.

That is why the most useful Stellar payment apps feel so ordinary. A worker in Bogotá sees a balance in US dollars; a small exporter sees an invoice paid. The blockchain only shows up in the details, such as an address that starts with “G” or a memo field. The table below sorts the main apps by the job they do.

Send money and cash out: MoneyGram on Stellar

MoneyGram is the most important name in this category. The company announced its partnership with the Stellar Development Foundation in October 2021, and in June 2022 it launched a service that let people move between USDC on Stellar and local cash. The first markets named were the US, Canada, Kenya and the Philippines, and LOBSTR and Vibrant were the first wallets connected to it. SDF’s own three-year review put the service’s reach at “over 170 countries” and its total volume at “nearly $30 million”, which is a useful reality check next to MoneyGram’s much larger network.

The next step was MoneyGram’s own app. In September 2025 it launched a stablecoin-powered app in Colombia with a USDC balance built on Stellar, using Crossmint wallet infrastructure, and cash-out at MoneyGram locations. A later MoneyGram–Stellar announcement added El Salvador and said more Central and South American markets would follow. In September 2026 MoneyGram added a virtual Visa card in Colombia that spends the in-app stablecoin balance.

In June 2026 MoneyGram went further and launched MGUSD, its own dollar stablecoin on Stellar, issued by Bridge and minted through M0. One persistent myth deserves a correction here: MoneyGram does not use XLM as a bridge currency. Its Stellar products move USDC and MGUSD, and XLM only pays network fees and reserves. Our stablecoins on Stellar guide explains the difference between these tokens.

Save in digital dollars: Vesseo, Beans and Airtm

For people in high-inflation economies, the killer feature is simple: a US dollar balance that is cheap to send.

Vesseo, formerly Vibrant. Vibrant was the consumer app built by Sunship, SDF’s subsidiary, and it was the wallet used in the UNHCR aid programme for displaced Ukrainians. Today vibrantapp.com redirects to Vesseo, the App Store listing names the same developer, and SDF’s UNHCR case study now refers to Vesseo. We found no official announcement of the rename, so treat it as a rename confirmed by the redirect and SDF’s materials. Vesseo offers a USDC account, bill pay, an Earn feature and send/receive, for users in Argentina, Bolivia, Brazil and the United States. Its site does not name the blockchain.

Beans. The Dutch-built Beans app describes itself as fully non-custodial, with recovery through email, phone and PIN rather than a seed phrase. It runs on Stellar, holds USDC and EURC, and sponsors network fees for users. It connects to MoneyGram for cash deposits and withdrawals, plus bank ramps through partners such as Anclap, MyKobo, Banxa and Kado. Its “Beans Earn” feature routes deposits into Stellar DeFi protocols Blend and DeFindex; Beans itself warns that capital is at risk, and its advertised yield figures were inconsistent when we checked, so we don’t quote one.

Airtm. The Latin American dollar-account platform moved from its own AirUSD to USDC on Stellar, and SDF invested $15 million in it in 2021. Users can deposit and withdraw USDC over the Stellar network.

Pan-chan says

A “USDC” token on Stellar is only real if it comes from Circle’s issuer account. Anyone can create a token with any code, so a good app shows you the issuer or home domain behind every asset.

LOBSTR and MetaMask: the self-custody experience

Some people want the network itself rather than a dollar wrapper. LOBSTR is the long-running Stellar app for them, and it now also supports the XRP Ledger. You hold your own keys and can buy crypto by card, bank transfer, Apple Pay or Google Pay, then sell, swap and set price alerts. Security options include a PIN, two-factor authentication and multisig through the companion LOBSTR Vault app. LOBSTR says it has more than 1 million users, which is the company’s own figure. It was a launch partner when PayPal’s PYUSD went live on Stellar in September 2025. Whether MoneyGram cash-out is still offered inside LOBSTR is unclear.

The bigger change for mainstream users came in October 2026, when Stellar became a default network in MetaMask’s mobile app and extension. Existing users get a Stellar address derived from the recovery phrase they already have, covering XLM, USDC and Soroban tokens. MetaMask’s own Stellar help page is worth reading first: it explains the 1 XLM minimum balance, the 0.5 XLM reserve per trustline and the risk of losing bridged funds if the receiving account has no trustline for the asset.

Spend it: Wirex and card settlement

Cards are where Stellar disappears most completely. In November 2025 Wirex and SDF went live with Visa card settlement in USDC and EURC on Stellar. As a cardholder you tap a Wirex card at any Visa terminal, and the shop is paid the normal way. What changed is the plumbing behind it: the settlement leg between Wirex and Visa now runs in stablecoins on Stellar instead of traditional bank rails. The announcement cites 7 million Wirex users, which is the company’s own figure.

This also answers “who accepts stellar lumens?” Very few shops take XLM directly; Stellar sits under card networks and apps that merchants already accept. MoneyGram’s Colombian Visa card follows the same model, and our cross-border payments guide shows why settlement speed matters for these products.

Business tools: Decaf, payouts and merchant payments

Decaf started as a consumer wallet and is now a business payments platform. It offers business accounts, payment pages, an API, payroll and a Visa business card, and says it works through licensed partners and is “not a bank, exchange, or asset custodian”. It claims sending to more than 70 countries, with corridors that include China, Hong Kong, Singapore, India and Taiwan. Decaf was a launch partner for PYUSD on Stellar, and Stellar and MoneyGram appear as partner logos, but its site does not say which chain carries today’s payments, so we can’t confirm every payment runs on Stellar.

For organisations paying many people at once, SDF’s open-source Stellar Disbursement Platform sends bulk payments straight to recipients’ Stellar wallets. It was first used for aid in Ukraine in December 2022, was open-sourced in August 2023, and Beans integrated it the same year.

On the merchant side, Southeast Asian payments network AEON Pay announced in April 2025 that it would accept XLM and Stellar USDC. The “20 million QR stores” figure that often appears next to this news is AEON Pay’s overall network reach, not a count of shops that take XLM. Actual XLM acceptance has not been measured publicly.

Stellar apps in Asia: what is really available

The Philippines is the most connected market in the region. It was one of MoneyGram’s first four launch markets for USDC cash-in and cash-out in 2022. Coins.ph lists an XLM/PHP market, received a Stellar Community Fund grant for a project on remittances using Stellar stablecoins, and was a launch partner for Mastercard’s Crypto Credential on Stellar in October 2024. How much live volume runs through these Stellar features is not published.

TopNod is the newest Asia-focused name. It is a self-custody wallet that uses key sharding and secure hardware instead of a seed phrase, and SDF announced its Stellar integration at Consensus Hong Kong in February 2026, with a focus on stablecoins and tokenised assets. Reports said it would roll out in Singapore, the Philippines and Japan, but we could not confirm a live launch in those markets. At the same event SDF said it plans anchor networks in Indonesia, the Philippines and Vietnam. Those are plans, not services you can use today.

For most readers in the region, the practical picture looks like this:

• Japan: 11 FSA-registered firms list XLM, but we found no Stellar-based consumer payment app or yen cash-out service.
• South Korea: all five won-market exchanges list XLM, but no Stellar payment app or won stablecoin on Stellar has been announced.
• Vietnam: the State Bank of Vietnam still treats crypto as an illegal means of payment, so using Stellar apps to pay is off the table, whatever an app’s marketing says.
• Indonesia: XLM trades on OJK-licensed platforms, and Triv supports XLM wallet deposits and withdrawals, but no rupiah anchor exists on Stellar.

How to evaluate a Stellar app before you use it

A good app hides the blockchain, which means you have to ask the right questions before you put real money in.

1. Find out who holds the keys
   Non-custodial apps like LOBSTR, Beans and MetaMask leave control with you, which also means a lost recovery method can mean lost funds. Custodial apps hold assets for you, so the company’s licence and solvency matter more than the technology.
2. Check the licence where you live
   Cash-out and fiat ramps are run by regulated partners, and availability is set country by country. An app that works in Colombia may be unavailable, or illegal to use for payments, in your country. Look for the licensed entity named in the app’s terms.
3. Verify the asset issuer
   On Stellar anyone can issue a token called USDC or PYUSD. Make sure your app holds the official asset from the right issuer account or home domain; a Stellar explorer shows this in seconds.
4. Compare the full cost, not the network fee
   Stellar’s base fee is 0.00001 XLM per operation, so the network is almost never what costs you money. Spreads on currency conversion, cash-out fees and card FX charges are where the real price hides.
5. Treat yield as risk
   Earn features route your dollars into lending protocols. They can pay interest, but they carry smart-contract, oracle and liquidity risk, and the yield is not a bank deposit rate.

Where Stellar apps are heading

Stellar’s consumer apps are moving away from “crypto wallets” toward dollar accounts, cards and cash access, with stablecoins doing the heavy lifting and XLM acting as the network’s fuel. MoneyGram issuing its own stablecoin and MetaMask switching Stellar on are the strongest signals of that shift. For Asian users the gap between announcements and live products is still wide, so treat any claim of a live Stellar cash-out in Japan, Korea, Vietnam or Indonesia with care until you can find it in an app store and a primary press release. Our Stellar glossary explains the terms you’ll meet along the way, from trustlines to anchors.

Keep exploring

👛 WalletsLOBSTR, Varial, Ledger and more, compared.Read guide 🌀 DeFi & dAppsDEX, AMMs, lending and yield on Stellar.Read guide 🌏 PaymentsHow Stellar remittances and payouts really workRead guide ⚓ AnchorsHow cash gets onto and off the Stellar networkRead guide