Move money inside your appwithout becoming a money transmitter.
Settlement happens on-chain, not on our balance sheet. We provision managed Stellar wallets for new merchants so they can take payments from day one, and they can graduate to self-custody (passkey or BYO wallet) at any time — staying outside the licensing perimeter that custodial platforms drag you into.
The custody question, in one paragraph.
Most embedded payment platforms take custody of user funds at some point in the flow. That custody triggers money transmitter licensing requirements, capital reserves, and a permanent compliance operation that costs more than the engineering team. Useroutr is built so that no funds — yours or your users' — pass through a Useroutr-controlled wallet at any step. Stellar's settlement contracts, Circle's CCTP V2 attestations, and MoneyGram's anchor service are operated by parties Useroutr does not own or control.
Same primitives, typed end-to-end.
The TypeScript SDK exposes the same four primitives — payments, payment links, invoices, payouts — and a typed webhook contract. White-label checkout and custom branding land in v1.1; in v1, the hosted checkout uses the merchant's logo and primary color out of the box.
Three capabilities you couldn't ship before.
- Multi-currency wallets that settle through Stellar's path payments
- Stablecoin on-ramping in 174 countries through MoneyGram's anchor
- Cross-chain transfers between Stellar, Ethereum, and Base — atomic, refundable, traceable
Embed payments without the licensing tax.
Read the regulatory memo, then talk to the team. We've done the homework so your founders and counsel don't have to.