Stellar Solution Overview

Main flows overview

Nodes / Legend

Wirex Pay App
Сlient-facing application.

Crossmint Account Backend
Operated by Crossmint and initiates account deployments.

Crossmint Contract Factory
A Stellar smart contract that is used to deploy individual smart accounts.

WirexPay User Account
A smart contract account that has an Owner Wallet and the WirexPay Funds Manager as signers, and the Timelock Policy as a plugin.

Owner Wallet
A Stellar wallet that acts as a user’s key to their smart account. Created by Crossmint.

WirexPay Funds Manager
A Stellar smart contract controlled by WirexPay that debits funds for card transactions initiated by Visa.

Timelock Policy
A Stellar smart contract that authorises the outbound transactions from the User Account and implements the delay logic for user-initiated transactions.

Account Management Contract
A Stellar smart contract controlled by WirexPay that serves as a registry of User Accounts.

WirexPay Backend
Operated by WirexPay, initiates transactions for inbound and outbound card and bank transfers on the User Account.

Funds Buffer
A Stellar smart contract operated by WirexPay where operational funds are stored and used for inbound and outbound card and bank transfers.