Building smart account infrastructure for @stellarorg
Joined September 2026
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Who even are we?
We’re Latch.
We’re building Smart Account infrastructure for @BuildOnStellar .
A lot becomes possible when the account itself can do more, but that shouldn’t mean the person using it has to deal with more complexity.
That’s really the idea behind Latch.
We’re starting with things like making Smart Accounts easier to fund and use, while building the infrastructure wallets and apps need to support them properly.
We’ll be sharing a lot more of what that looks like as we go.
Kindly join the wait-list at uselatch.app
Approving every single action can get tiring. Giving an app unlimited access isn't a great alternative either.
With Smart Accounts, permissions can be more specific about what an app is allowed to do and for how long.
That middle ground is worth exploring.
A payment being signed, sent, and settled are three different things.
That distinction matters even more when you're dealing with unreliable internet or using a relayer to complete a transaction.
The last thing someone wants is to wonder whether their money actually moved.
This week, we've been talking about some very different parts of the wallet experience: onboarding, familiar currencies, passkeys, and how Smart Accounts work across apps.
They might seem like separate conversations, but they all matter when you're trying to make @StellarOrg easier to use.
Back to building. 💚
What's the most interesting thing you've seen someone @BuildOnStellar lately?
Doesn't have to be a big project. Sometimes the little experiments are the ones that make you go, "wait, you can do that?" 😂
Drop a link. We'd love to check it out.
Your wallet shows $42.18, but your brain immediately converts it into your own currency.
It's such a small step that most products ignore it, but money makes more sense when it's shown in numbers you actually think in.
Something we're keeping in mind as we build Latch on @BuildOnStellar
Some of you have already joined the Latch waitlist, and we appreciate it 💚
We're building a passkey-first wallet for Stellar, and we want to learn from the people who'll eventually use it. Especially the small things that don't always show up in a product demo.
If you'd like to follow along, the waitlist is open at uselatch.app
Here's an interesting thing about Smart Accounts on Stellar.
The address submitting a transaction isn't always the account that authorized the action.
That opens up some useful possibilities, but it also means apps and explorers need to understand which account actually belongs to the user.
It's one of the things we're paying attention to while building Latch on @BuildOnStellar.
Using your fingerprint or Face ID to approve a wallet action doesn't mean your biometric data is going onto the blockchain.
With passkeys, your device verifies you locally, then a cryptographic signature can authorize the action.
That's the kind of familiar experience we're building toward with Latch on @BuildOnStellar .
Ever finished creating an account and then just stared at the home screen wondering what to do next?
That first minute matters. You should know where to receive funds, what you can do, and what needs your attention without needing a tutorial.
It's one of the details we're thinking about as we build Latch on @BuildOnStellar .
Latch retweeted
🧵 Stripe’s connection to Stellar goes far beyond an early investment.
Follow Paxos, Bridge, Privy, Airtm and Zebec into stablecoin issuance, embedded wallets, cross-border payouts and enterprise payroll.
Let’s follow the infrastructure. 👇
Start in 2014.
According to SDF’s historical mandate, @stripe provided a $3 million loan, subsequently repaid with 2 billion lumens.
Patrick Collison also served as an early advisor.
The relationship reaches back to Stellar’s beginnings.
Fast-forward to 2024
Stellar’s year-end review records that Stripe announced payouts on @StellarOrg
That adds a product connection to the historical funding relationship.
Now follow the companies connecting the infrastructure.
Enter Paxos.
In October 2024, @Paxos announced Stripe as the first customer of its new stablecoin payments platform.
Paxos powered Stripe’s “Pay with Crypto” product, supporting the acceptance, conversion and payout of stablecoins.
Stripe’s Stablecoin Partner Terms name both Paxos and Bridge.
Separately, Paxos announced its planned expansion to Stellar in October 2024.
In September 2025, PayPal USD — PYUSD, issued by Paxos, went live on Stellar.
Now follow Bridge.
Stripe completed its acquisition of Bridge in February 2025.
Bridge already had a documented Stellar use case with Airtm: helping businesses pay workers across borders using USDC.
Here is how Bridge describes that flow:
USD payroll enters a virtual account.
Bridge converts the dollars into USDC.
USDC travels over Stellar.
The recipient receives it in an Airtm wallet.
Workers can then access local-currency conversion through Airtm.
Banking access → conversion → settlement → recipient.
The employer and worker interact with a payment product.
Bridge handles orchestration.
Airtm provides the user-facing service.
Stellar carries the onchain transfer.
The case study shows those components working together for cross-border payouts.
Then add Privy.
@privy_io announced Stellar support, allowing developers to provision and manage wallets for users on the network.
@stripe subsequently announced its acquisition of Privy in June 2025.
Alongside Bridge’s money-movement infrastructure, Stripe added embedded wallets.
@privy_io connects directly to @Zebec_HQ
In December 2025, Zebec announced the integration of Privy’s embedded wallets into its SuperApp.
The purpose: give employers and workers simpler access to stablecoin payroll and disbursements inside the application.
@Zebec_HQ also launched enterprise payroll natively on @StellarOrg
Its announcement describes salary and contractor-payment streaming, an enterprise dashboard, wallet receipts and spending or cash-out options.
It also identifies institutional and employer pilots in final testing.
@AllUnityStable adds the euro-denominated use case.
AllUnity and Zebec announced an EURAU-powered employee-benefits and enterprise-payments pilot on Stellar.
AllUnity supplies the regulated euro stablecoin.
Zebec supplies payroll and distribution.
Stellar supplies the blockchain payment infrastructure.
There is a leadership connection too.
@JoseFDaPonte joined SDF as President and Chief Growth Officer in July 2025, bringing experience from leading PayPal’s crypto business and launching PYUSD.
Payments experience joining an ecosystem of issuers, wallets and payout platforms.
Put the documented connections together:
Stripe → early Stellar funding and announced payouts
Stripe → Bridge → Airtm’s USDC payouts on Stellar
Stripe → Privy → Stellar wallet support
Privy → Zebec → native Stellar payroll
Paxos → PYUSD on Stellar
AllUnity → EURAU benefits pilot with Zebec on Stellar
The picture is broader than a single partnership.
@StellarOrg appears at several practical points: moving digital dollars, supporting wallets, distributing workforce payments and settling euro-denominated benefits.
Follow the payment flows. 😉
What would genuinely make you switch from the wallet you already use?
Not a feature you’d try once because it looks cool.
Something that would actually make you move your everyday activity somewhere else.
Curious what that line is for people.
Testnet asks whether something works.
Mainnet asks whether it keeps working when real people depend on it.
Getting Latch ready for mainnet on @BuildOnStellar has raised the standard for what we pay attention to: reliability, recovery, accurate data and all the less-visible parts users should be able to trust.
Latch retweeted
I built Chain Duel, a competitive onchain game on Stellar, powered by Soroban.
Players can challenge friends, join random matches, or play against a Computer.
Stake XLM, compete, and the winner takes the prize pool.
I integrated Stellar wallets and Google/X sign-in with automatic wallet creation, so users can get started without connecting a wallet extension, without making users navigate unnecessary Web3 complexity.. Great for web2 and web3.
My goal is to make onchain gaming more accessible while driving real activity on Stellar through gameplay, staking, and onchain settlement.
Chain Duel is live on Stellar Testnet.
🔗 chain-duel.vercel.app/
Mainnet soon 🔜
Here’s a walkthrough. 👇
A token name tells you what an asset calls itself.
It doesn’t always tell you what the asset actually is.
As more stablecoins and tokenized assets show up across @BuildOnStellar, wallets need to get better at understanding the asset behind the ticker.
Good portfolio UX starts with knowing exactly what you’re looking at.
10 days to go 👀 who’s heading to Lisbon for HackMeridian?
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┻┳| •.•) psst, only 10 days til #HackMeridian2026 ⏳
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Transaction history can be technically correct and still not tell you much.
An address, an amount and a transaction hash describe what happened onchain.
People remember “payment for this job” or “money from this person.”
Wallet history should get better at carrying that kind of context too.
Open-source contributors already do the hard part: shipping useful work.
Getting paid for it shouldn’t come with another learning curve.
Receiving the reward, getting it into a wallet, and actually using it should feel like one continuous experience, not three different crypto tasks stitched together.
There’s still a lot of room to make that better.
Latch retweeted
24 proposals are in for this quarter's Public Goods Award, and the discussion period is now open for all.
Here's what's on the table ⬇️
ALT 24 proposals open for community review in the Stellar Public Goods Award.
Getting money into a wallet is only half the experience.
Once it arrives, people still want to move it, spend it, save it, swap it, or send it somewhere else.
A good wallet shouldn’t make each of those feel like a separate crypto lesson.
Receiving the money should be the beginning of the experience, not where the wallet stops helping.