Built on Stellar · Soroban smart contracts

Decentralized savings
you can actually verify.

Stow lets individuals and communities save transparently in USDC — with flexible, locked, goal-based and group savings enforced fully on-chain. Non-custodial. Dollar-denominated. Yours.

USDC
Dollar-denominated
100%
On-chain custody
0
Seed phrases
5
Savings products
Core Features

Save on your terms, verified by code

Every rule that governs your money lives in an auditable Soroban contract — not in a company's database.

Non-custodial by design

Funds move only under Soroban contract rules you can read. You keep full control — always.

Flexible savings

Deposit and withdraw any time, with no lock-up and no gatekeeper standing between you and your money.

Locked savings

Commit with deterministic, on-chain withdrawal rules that even the protocol can't override.

Goal-based savings

Set a target and let automated on-chain milestones track your progress toward it.

Group savings pools

Shared rules and payouts enforced by the contract — not by an organizer you have to trust.

Group split savings

A group saves into a shared pool; the balance is split back by agreed shares, settled on-chain.

Opt-in yield

Optional yield sourced from real on-chain lending, isolated behind a swappable adapter.

Dollar-denominated

Save in USDC as a hedge against local-currency depreciation. Cash in and out via Stellar anchors.

Passwordless onboarding

Passkey smart wallets with sponsored fees. No seed phrases, no XLM needed for your first deposit.

Savings Products

Five ways to save, one protocol

From solo flexibility to community pools — each product is a distinct set of on-chain rules you opt into.

Solo

Flexible

Open-access savings you can top up or draw down whenever you want.

Solo

Locked

Time-locked commitments with withdrawal rules enforced deterministically on-chain.

Solo

Goal-based

Save toward a target amount with automated, transparent milestone tracking.

Community

Group pool

Contributions, payouts and default handling governed by the contract, not an admin.

Community

Group split

A shared pool whose balance is split back among members by their agreed shares.

Full product mechanics are documented in

SAVINGS_PRODUCT_REFERENCE.md
Onboarding & Ramps

Built so mainstream users never touch crypto mechanics

Sign in with a passkey, skip the seed phrase, and fund your first deposit without owning a single XLM. Local-currency on/off-ramps run through the SDF Anchor Platform, keeping the protocol itself permissionless.

See the architecture

Passkey smart wallets

Accounts are Soroban smart contracts signed with device biometrics (WebAuthn / secp256r1). No seed phrases.

Sponsored (gasless) fees

A relayer pays transaction fees so users don't need XLM to make their very first deposit.

Social recovery

Optional recovery signers so a lost device doesn't mean lost savings — disclosed as a trust trade-off.

Local-currency ramps

SEP-24 / SEP-6 hosted deposit & withdrawal and SEP-38 quoted local-currency ↔ USDC via the SDF Anchor Platform.

Architecture

A clean split between app, services and custody

Yield integration lives behind a swappable adapter so the custody core can be audited independently.

apps/web

Frontend

Next.js app for creating savings accounts, depositing, tracking progress, and passkey onboarding.

apps/api

Backend

Node.js services: indexing contract events, notifications, user metadata, analytics, and anchor ramps.

contracts/

Smart Contracts

Soroban contracts in Rust managing savings logic, custody, group rounds, and withdrawal rules.

Contract Layout
contracts/
├── vault/          # Solo savings: flexible, locked, goal. Holds USDC.
├── group_pool/     # Group savings & split pools: contributions, payouts, splits.
├── yield_adapter/  # OPTIONAL, opt-in. Routes idle balances to an external source.
├── registry/       # Factory + directory of pools/vaults. Emits indexer events.
├── fee_collector/  # Transparent, on-chain protocol fees.
└── policy/         # Reusable auth rules (limits, timelocks) for smart wallets.
Business Model

Transparent, on-chain fees. Stow earns only when you do.

Performance fee on yield

A small percentage of yield earned only — never of principal.

Optional pool fee

An optional pool-creation / per-round fee for group savings.

No token is required to use Stow. Any future governance would be introduced only after real usage exists.

Roadmap

Where Stow is headed

Shipping the custody core first, gating mainnet on a security audit, then layering yield and ramps.

Current — Q1 2026

  • Core savings contract
  • Basic web interface
  • Group savings pools
  • Group split savings
  • Passkey onboarding & sponsored fees
  • Security audit (mainnet gate)

Next — Q2 2026

  • Opt-in yield (Tier-1 adapter, isolated)
  • Goal-based savings UI
  • Notification system
  • First local-currency anchor (SEP-24)
  • Social recovery
  • Mainnet deployment

Future

  • Additional anchors & cash on/off-ramps
  • More yield venues behind the adapter
  • Mobile app (Flutter)
  • Progressive decentralization
  • Cross-chain savings
  • Advanced analytics dashboard

Open, composable savings infrastructure

Built for developers, contributors and financial communities on low-fee, fast-finality Stellar. Join the waitlist for launch updates, or clone the repo and start building.

Clone the repository Read the docs