Fluxa is a Stellar-native cross-border treasury and payment platform built for African businesses. We enable businesses across Africa to receive, hold, convert, and send money globally using modern payment infrastructure powered by the Stellar network. By combining traditional financial rails with USDC on Stellar, Fluxa provides fast, low-cost, and transparent international payments while maintaining a simple business banking experience. Businesses can: Receive international payments Hold multi-currency balances Access USD-denominated treasury services Convert USDC into local African currencies Pay suppliers, employees, and contractors globally Manage business finances from a single dashboard Our mission is simple: Make global financial access available to every African business through Stellar-powered infrastructure.
Current cross-border payments in Africa are slow, expensive, and fragmented. Traditional international transfers often involve: Multiple intermediary banks High transaction fees Settlement delays Limited transparency Fluxa uses the Stellar network as its primary settlement layer. This enables: Fast Settlement Transactions settle within seconds instead of days. Lower Costs Businesses avoid many of the fees associated with traditional correspondent banking systems. Global Reach Businesses can send and receive value globally using USDC on Stellar. Transparent Infrastructure All settlements are traceable and verifiable. Financial Inclusion Businesses gain access to global financial tools regardless of local banking limitations.
African businesses face significant barriers when participating in the global economy. Common challenges include:
Cross-border transactions remain costly and inefficient.
Businesses frequently require access to USD for trade, software subscriptions, and international operations.
Companies often use multiple providers for: Payments Foreign exchange Treasury management Invoicing International transfers
Businesses operating in local currencies face volatility that impacts planning and growth.
Fluxa combines Stellar-powered stablecoin settlement with local financial infrastructure. Businesses can: Receive USDC on Stellar Customers anywhere in the world can pay businesses directly using USDC. Hold Digital Dollar Balances Businesses can store treasury funds in USDC while maintaining local currency accounts. Convert USDC into Local Currency Supported payout corridors include: NGN KES GHS ZAR
Businesses can pay: Suppliers Freelancers Contractors Remote employees using Stellar-based settlement. Manage Treasury Businesses gain access to real-time treasury visibility across all balances and currencies.
Example Scenario A software agency in Lagos provides services to a client in the United States. Step 1 The client sends 5,000 USDC. Step 2 The payment settles on Stellar within seconds. Step 3 Fluxa credits the agency treasury account. Step 4 The agency chooses to: Hold USDC Convert to NGN Pay contractors Fund business operations Step 5 Local payouts are executed through regulated financial partners. The result: Faster settlements Lower fees Better treasury management Improved cash flow
Stellar USDC Accounts Every business receives a Stellar-compatible treasury account. Benefits include: Fast settlement Global interoperability Dollar-denominated balances
Businesses can manage: USDC USD NGN KES GHS ZAR from one dashboard.
Convert USDC into local African currencies. This allows businesses to move seamlessly between blockchain-based settlement and local banking systems.
Pay vendors and partners globally using Stellar infrastructure.
Generate professional invoices with embedded payment options. Customers can pay directly through supported payment rails.
Track: Cash flow Balances Currency exposure Settlement history in real time.
Millions of African businesses are increasingly global. However, financial infrastructure has not kept pace. Fluxa leverages Stellar to provide businesses with access to: Global payments Digital dollars Treasury tools Modern financial services without requiring them to understand blockchain technology. For the user, the experience feels like modern business banking. For the infrastructure, Stellar provides the settlement layer.
Fluxa generates revenue through:
Fees on USDC-to-local-currency conversions.
Transaction fees on business payments.
Premium treasury and reporting tools.
Advanced business accounts and team features.
Infrastructure services for fintechs and marketplaces.
Stellar Treasury MVP Features: Business onboarding Stellar wallet provisioning USDC deposits USDC withdrawals Local currency payouts Invoice generation
Cross-Border Business Banking Features: Multi-currency accounts International payments Treasury dashboard
Intelligent Treasury Features: Cash flow forecasting AI bookkeeping Treasury optimization
Financial Infrastructure Platform Features: Developer APIs Embedded finance Marketplace integrations Treasury-as-a-Service
We believe every African business should have access to the global economy. Fluxa is building the financial operating system for African commerce using Stellar as the settlement layer. Our long-term vision is a future where any entrepreneur in Africa can receive, manage, convert, and move money globally without friction, regardless of location or banking limitations.
Fluxa is designed to leverage Stellar's strengths: Fast settlement Low transaction costs Global interoperability USDC support Financial inclusion By combining Stellar with local payment infrastructure, Fluxa creates a bridge between global capital and African businesses.
Move Money. Grow Business. Powered by Stellar.