No Complexity. Just secure wallet infrastructure for fintechs

Our Wallet-as-a-Service product provides fintechs with secure, scalable wallet infrastructure to power stablecoin transactions on Stellar. Whether abstracted or fully integrated, empower your customers while delivering enterprise-grade security and flexibility.

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Octo

Here's everything happening with your payments in Octo

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Cumulative Balance

$521,346.93

+12% vs last week

Unswept Balance

$2,208.78

Retry sweep

No. of Assets

35

+10 new this week

No. of Master Wallets

6

+1 new this week

Master Wallets

OCTP+2

Our core
features

Plug-and-play APIs, non-custodial wallets, automated settlement, and built-in security — simplifying blockchain complexity so you can focus on your customers.

Treasury Management

Funds land directly in your master wallet via muxed accounts — no sweeping, no per-user reserves, automated settlement.

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Activity Log

  • Deposit detected
  • Attributed to customer
  • Webhook delivered

Instant Withdrawals

Sign payouts client-side and relay them through one API — your keys never touch our servers, and Stellar's own sequence numbers rule out double-spends.

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Activity Log

  • Payout signed client-side
  • Relayed to Stellar
  • Confirmed on-chain

Real-time Deposit Tracking

Stream deposits as they confirm, attributed to the right customer by muxed id or memo — credited only once.

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Activity Log

  • Payment received
  • Successful: true
  • Recorded (idempotent)

Dedicated Addresses

Generate a unique deposit address per customer instantly and off-chain. Each comes with a G…+memo fallback for any sender.

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Activity Log

  • M-address generated
  • G…+memo fallback
  • Metadata attached

Developer
centric

Our stablecoin wallet solutions come with developer-friendly APIs that are blockchain-native and integrate seamlessly into your existing tech stack, so you can deploy in a day, not months.

cURLPythonJavaScriptPHPGoJava
curl --request POST \
  --url https://api.octo.dev/v1/wallets/{walletId}/addresses \
  --header 'Authorization: Bearer YOUR_API_KEY' \
  --data '{
    "customer_ref": "user_8492",
    "metadata": { "plan": "pro" }
  }'

Use
cases

Learn how fintechs use Octo to launch stablecoin rails that can be tailored to local use cases but also built to scale across borders.

Cross-border B2B payments

Simplify and expedite international business transactions with stablecoins, reducing fees and settlement times compared to traditional banking.

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Stablecoin checkout

Accept stablecoin payments with dedicated addresses and real-time deposit notifications, reconciled automatically to each customer.

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Payment links

Generate a shareable checkout link for any amount — fixed or flexible — and track every payer's status without writing a line of integration code.

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Treasury & payouts

Hold balances in one master wallet on Stellar today, with more chains on the roadmap, and disburse payouts programmatically — signed client-side, relayed through one API.

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Gas sponsorship

Sponsor your users' Stellar transactions from your master wallet so they can transact without holding XLM for fees — abstracting gas away entirely.

Read more ›

USDC to fiat

Coming soon

Let your users off-ramp USDC balances directly to local bank accounts and mobile money — settlement handled for you, on the roadmap.

Get started today and see how Octo simplifies blockchain integration, so you can focus on your customers while we take care of the complexity.

Book demoExplore our API docs ↗