Cross-border Flows - SEP-24/SEP-31 Anchor Integration (Black Belt)

[carlos-israelj]

Description

Only native Stellar assets supported (XLM, USDC, EURC). Cannot integrate with fiat on/off ramps or cross-border payment flows, limiting global adoption.

Current State

Native Stellar payments only.

Problems

• No fiat on/off ramps
• Cannot receive bank transfers
• No cross-border flows
• Limited to crypto-native users

Proposed Solution

Integrate SEP-24 (deposit/withdraw) and SEP-31 (direct payments) with Stellar anchors.

Acceptance Criteria

• SEP-24 integration (interactive deposit/withdraw)
• SEP-31 integration (direct payment to recipient)
• Support at least 2 anchors (MoneyGram, Circle, etc.)
• Fiat currency support (USD, EUR, BRL, etc.)
• KYC flow integration
• Fee transparency
• Settlement time display

ETA

6-8 weeks