Payments

Three payment primitives beyond the interactive SEP-24 ramp. All are Stellar-only.

Need	Use
Pay out fiat to someone through a receiving anchor, with no hosted page	`StellarDirectPaymentProvider` (SEP-31) through `RampManager`
Release money gradually: salary, installments, vesting	`payment-stream` contract, `PaymentStream` SDK class
Pay many people at once: payroll, cooperative distributions, relief	`batch-disburser` contract, `BatchDisburser` SDK class, `ankara batch-pay` CLI

Direct anchor-to-anchor payments (SEP-31)

StellarDirectPaymentProvider implements the same RampProvider interface as StellarAnchorProvider, so it works through the existing RampManager API. The flow has no interactive step:

SEP-10: authenticates the sending account, or uses a pre-obtained authToken.
SEP-12: registers the receiver with the receiving anchor, using fields derived from payoutAccount (bank or mobile money) plus any anchor-specific receiverFields.
SEP-31: POST /transactions with your senderId and the new receiver_id.
On-chain leg: with autoPay (the default), pays the anchor’s stellar_account_id with its memo via Horizon. With autoPay: false, it returns paymentInstructions so you can pay from your own custody, or from a ramp-settlement deposit.
getStatus(id) polls GET /transactions/:id and maps SEP-31 statuses to RampSessionStatus.

SEP-31 is send-side only, so pair it with an interactive provider for deposits:

import { RampManager, StellarAnchorProvider, StellarDirectPaymentProvider } from "@ankarachain/sdk";

const ramp = RampManager.withProviders({
  onRamp:  new StellarAnchorProvider({ homeDomain: "anchor-a.example", signer }),
  offRamp: new StellarDirectPaymentProvider({ homeDomain: "anchor-b.example", signer, senderId: "<your SEP-12 id>" }),
});

const quote = await ramp.getQuote({ direction: "off-ramp", tokenSymbol: "USDC", fiatCurrency: "KES", countryCode: "KE", tokenAmount: "250" });
const session = await ramp.initiateOffRamp({
  tokenAmount: "250", tokenSymbol: "USDC", fiatCurrency: "KES", countryCode: "KE",
  payoutAccount: { type: "mobile-money", accountNumber: "+254700000000", provider: "M-PESA", accountName: "Wanjiru Kamau" },
});
console.log(session.paymentTxHash, await ramp.getStatus(session.sessionId));

Declarative selection works too: createRampProvider({ provider: "stellar-sep31", homeDomain, senderId }, { stellarSigner }).

Receiving anchors differ in which SEP-12 fields they require. Check the anchor’s GET /info and supply extras with receiverFields. Test against the anchor’s testnet before going live.

payment-stream: streaming and vesting

One deployment serves any number of streams in any SEP-41 token. There’s no admin. Each stream is controlled only by its sender and recipient.

Linear: per-second release from start to end, with an optional cliff. Nothing can be claimed before the cliff. At the cliff, everything accrued since start unlocks.
Tranches: discrete installments (up to 48), each unlocking at its own time.
Cancel (only for streams created cancelable): the vested-but-unclaimed amount goes to the recipient and the unvested remainder goes back to the sender.

Function	Access
`create_stream(sender, recipient, token, total, start, cliff, end, cancelable) -> id`	sender
`create_schedule(sender, recipient, token, tranches, cancelable) -> id`	sender
`withdraw(recipient, id, Option<amount>) -> paid`	recipient
`cancel(sender, id) -> (paid, refunded)`	sender
`claimable(id)`, `vested(id)`, `get_stream(id)`, `streams_by_sender/recipient`	anyone

import { PaymentStream } from "@ankarachain/sdk";

const streams = new PaymentStream(employerAdapter, STREAM);
const now = BigInt(Math.floor(Date.now() / 1000));
const { streamId } = await streams.createLinear({
  recipient: "GWORKER...", token: USDC_SAC, totalAmount: 3_000_0000000n,
  start: now, end: now + 30n * 86400n, cancelable: true,
});

// the worker, any time:
await new PaymentStream(workerAdapter, STREAM).withdraw(streamId);

batch-disburser: payroll and distributions

A stateless contract with no custody and no admin. disburse(payer, token, payments, reference) transfers straight from the payer to each recipient, up to 100 per transaction. Each batch is atomic, and the token’s own identity-verifier and compliance checks still apply to every recipient. disburse_equal pays the same amount to a list of recipients.

import { BatchDisburser } from "@ankarachain/sdk";

const disburser = new BatchDisburser(adapter, DISBURSER);
const { txHashes, totalPaid } = await disburser.disburse(USDC_SAC, payroll, "payroll-2026-09"); // auto-chunks >100

From the CLI: ankara batch-pay --contract <DISBURSER> --token <USDC_SAC> --file payouts.csv.

STREAM=$(stellar contract deploy --wasm target/wasm32v1-none/release/payment_stream.wasm --source deployer --network testnet)
DISBURSER=$(stellar contract deploy --wasm target/wasm32v1-none/release/batch_disburser.wasm --source deployer --network testnet)
# neither contract needs initialize()

SDK

Types & Config

Contracts

Stellar modules

Direct anchor-to-anchor payments (SEP-31)

payment-stream: streaming and vesting

batch-disburser: payroll and distributions

​Direct anchor-to-anchor payments (SEP-31)

​payment-stream: streaming and vesting

​batch-disburser: payroll and distributions

Direct anchor-to-anchor payments (SEP-31)

payment-stream: streaming and vesting

batch-disburser: payroll and distributions