TXBFI × Stellar: Partnership Announcement
Building on Stellar gives us the infrastructure to settle transactions in seconds.
Why we chose the Stellar network
Payment cards require speed. When you stand at a checkout counter, you cannot wait ten minutes for block confirmations. We evaluated multiple blockchain networks before building the TXBFI platform. We chose Stellar because it was designed specifically for global payments. It handles thousands of transactions per second. Network fees cost a fraction of a cent. It also features robust built-in compliance tools that help us meet regulatory requirements without compromising on performance.
The mechanics of a transaction
Here is what happens when you swipe your TXBFI card. The merchant sends a payment request through the Visa network. Our authorization engine receives the request. We lock the equivalent amount of crypto in your wallet and authorize the Visa transaction in under two seconds. On the backend, we use Stellar to route and settle the asset conversion. We convert your crypto to USDC on Stellar, route it to our fiat partners, and settle the merchant payment. You notice none of this. You just see an approved transaction.
Cost savings passed to you
Blockchain gas fees are a massive friction point for crypto cards. If a network charges $2 to move funds, the card issuer has to pass that cost to you. Because Stellar fees are negligible, our operational costs drop significantly. This is one reason we can afford to offer lifetime card pricing without recurring monthly fees. We do not waste capital paying validators exorbitant fees. We keep our infrastructure lean and pass the margins directly to your account.
What happens next
This partnership is fully operational today. If you hold USDC or XLM on the Stellar network, you can fund your TXBFI card directly with zero deposit fee on the crypto side. We are also working with the Stellar Development Foundation to integrate cross-border remittance features. Soon, you will be able to send fiat directly to bank accounts globally, settled instantly on-chain. Stellar remains the core engine for our fiat settlement layer.