Accept Stellar USDC instantly. Hardware-free setup, verifiable receipts, and zero hidden fees. Built for modern merchants.

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The standard for
crypto point-of-sale

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The Last-Mile Gap

Disbursement is solved.
Spending is not.

The SDF Disbursement Platform and Stellar Aid Assist have been a resounding success, surpassing $10M in lifetime disbursements. They have proven that digital delivery works at scale.

The Counter Reality

Without a merchant network, recipients in "no-rail" environments (like Haiti, Syria, or Gambia) must immediately cash out their USDC, adding heavy friction, travel costs, and security risks. Unlike regions with advanced digital rails (e.g., Pix in Brazil), these crisis zones require a dedicated, offline-capable merchant acceptance layer to keep value digital until the very last mile.

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Vendor Name
Charge Amount
3,500 HTG
≈ 26.51 USDC
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Charge
halopay-pos (PWA)
halopay-api (Settlement)

How it Works

A secure, resilient pipeline designed strictly for legitimate merchants.

1

Compliant Onboarding

Merchants with valid government ID submit docs via halopay-api. Securely routed for standard 1–3 day SEP-12 KYC verification via MoneyGram.

2

Native USDC Acceptance

The PWA POS generates standard Stellar payment QR codes. Recipients pay instantly from their USDC Aid Assist balance.

3

Offline-Capable Pricing

Generate QR codes even offline using securely cached exchange rates. The UI surfaces a clear staleness indicator when connectivity is low.

4

Automatic Settlement

halopay-api programmatically aggregates balances and initiates a daily SEP-24 withdrawal to the merchant's MoneyGram location.

Architecture Overview

HaloPaye targets true "no-rail" environments, serving as a complementary extension to the SDF stack where traditional payment rails do not exist.

halopay-pos

PWA Terminal

Sync / API

halopay-api

Settlement Engine

Tx Submit

Stellar

Mainnet

KYC / Settle

MoneyGram

Anchor

Powered by Stellar

Built entirely on the Stellar network to deliver institutional-grade performance to local merchants.

Instant Settlement

Stellar processes and settles transactions in 3-5 seconds, ensuring merchants receive funds almost instantly.

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Negligible Fees

Transaction fees on the Stellar network are fractions of a cent, eliminating the standard 3% credit card tax.

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SEP-0007 Native

Full compliance with Stellar's delegated signing and QR payment protocol for seamless wallet integration.

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USDC Treasury

Native support for Circle's USDC, providing price stability and global liquidity for local merchants.

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Institutional Security

Decentralized architecture with robust consensus mechanisms, securing billions of dollars in daily volume.

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Offline Resilient

Cryptographically signed QR requests that operate completely offline, bridging the connectivity gap.

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Frequently Asked Questions

Everything you need to know about adopting HaloPaye and securing your settlement pipelines.

Launch Your Success

HaloPaye is the vital bridge for local impact.

Join organizations leveraging our cutting-edge POS platform to empower local merchants, automate offline settlements, and deliver digital aid effectively.

Launch POSView GitHub

POS Terminal App

The progressive web app (PWA) used by merchants to generate SEP-7 QR codes and track offline payments.

Settlement API

The Node.js backend handling SEP-12 KYC compliance and automated SEP-24 withdrawals via MoneyGram.