Roadmap
| Phase | Timeline | Key Deliverables |
|---|---|---|
| Phase 1 Foundation | Q1 2026 | Soroban contracts, Stellar routing engine, developer dashboard, JS SDK, API v1 |
| Phase 2 Payment Products | Q2 2026 | Payment Gateway, Payment Links, Invoicing, Stellar anchor fiat on/off ramp, CCTP USDC bridge |
| Phase 3 Cross-Chain | Q3 2026 | Wormhole integration, 8 EVM chains live, Solana support, bank transfer rails (ACH/SEPA), Python & Go SDKs |
| Phase 4 Payouts | Q3 2026 | Global payout engine, mobile money support, bulk disbursement API, payout scheduling |
| Phase 5 Platform & Scale | Q4 2026 | Multi-tenant architecture, white-label ramp, enterprise SLAs, compliance reporting, advanced analytics |
Glossary
| Term | Definition |
|---|---|
| Anchor | A regulated Stellar network operator that bridges fiat currencies to Stellar assets and back |
| CCTP | Circle’s Cross-Chain Transfer Protocol - enables native USDC movement across supported blockchains |
| Path Payment | A Stellar-native transaction type that automatically converts assets across multiple hops using DEX liquidity |
| Soroban | Stellar’s smart contract platform, used by Tavio for settlement logic and escrow |
| SEP | Stellar Ecosystem Proposal - a set of standards for interoperability between Stellar wallets and services |
| Settlement Asset | The asset that the merchant receives after a payment is processed and converted |
| On-Ramp | The process of converting fiat currency to crypto |
| Off-Ramp | The process of converting crypto to fiat currency |
| Wormhole | A cross-chain messaging protocol enabling asset transfers between Stellar and other blockchains |
| XLM | Stellar’s native currency (Lumens), used for transaction fees and minimum account reserves |