AnchorFX

AnchorFX is a non-custodial settlement layer for cross-border payments, built entirely on Stellar. A sender and a receiver lock funds in an on-chain escrow, agree on an FX rate published by a trusted oracle, and settle atomically — nobody can change the terms after the fact.

What AnchorFX solves

Correspondent banking for cross-border payments is slow, opaque, and expensive. AnchorFX replaces it with an auditable, atomic on-chain primitive: funds are locked programmatically, both parties must agree on the rate, and settlement is final in seconds. It is designed for regulated financial anchors, fintechs, and P2P payment corridors.

Core primitive

The escrow lifecycle has five states:

Created
  └─> CounterpartyApproved ─> Settled
  └─> Refunded (after timeout)
  └─> Cancelled (admin)

1. Sender creates an escrow, locking any SAC token for a corridor and referencing the oracle FX rate.
2. Receiver approves — both parties now agree on the terms.
3. Admin settles — funds release to the receiver at the agreed rate.
4. If the receiver never approves, the sender refunds after the timeout.
5. Admin can pause the protocol (circuit breaker) or cancel a stuck escrow.

Live on Stellar mainnet

Escrow   CDGQ7K4XGAPG3YJVAGHCE45XOR63HLD6ARJCRESEEKSRQZSIRAKG6F6V
Oracle   CCOIG4R7AIUQTP5CURK4PFINFF2EVQTBGTCN636E2JY25FGY7L4K54KT
Admin    GDHMIQXJITKCXJ5IREK4MUEJKLSZVA6XKBF25WKVN3REC6OMMNENYSK5