On-chain invoice & payment splitting on Stellar Soroban — split bills, freelancer payments, and remittances with automatic trustless USDC routing.

StellarSplit lets anyone create on-chain invoices on Stellar where multiple payers each owe a share. The moment the invoice is fully funded, the Soroban smart contract automatically routes USDC to every recipient in a single transaction. If the deadline passes unfunded, all contributors are automatically refunded.

No middleman. No trust required. Just code.

1. Creator makes an invoice
   └── Sets recipients, amounts, deadline, and optional rules

2. Payers send their share
   └── USDC is locked in the Soroban smart contract

3. Invoice fully funded
   └── Contract instantly routes USDC to every recipient

4. Deadline passes unfunded?
   └── Every payer gets their money back automatically

Advanced modes: require co-signer approvals before release, use an oracle to confirm off-chain conditions, set staged tranches, or schedule an automatic release timestamp.

• Automatic USDC routing — recipients are paid the moment the invoice is fully funded
• Multi-sig release — require N-of-M co-signer approvals before funds move
• Staged tranches — release funds in graduated time-locked instalments
• Oracle-priced invoices — dynamic funding targets set by an on-chain price oracle
• Confidential payments — hide payment amounts using Pedersen commitments; reveal at settlement
• Payment channels — stream micro-payments toward an invoice without per-tx fees
• Invoice cloning — clone any invoice with optional overrides, full lineage tracked on-chain
• Subscriptions — recurring invoice creation from stored templates
• Fee tiers — volume-based platform fee discounts for high-volume creators
• Circuit breaker — emergency pause that blocks all mutations with no exemptions
• Cross-chain bridge payments — accept payments relayed from other chains
• Creator analytics — on-chain stats: total raised, released, unique payers, average funding time

• 💸 Freelancer team payments — client pays once, contract splits to the whole team
• 🍽️ Group bills — dinner, trips, shared purchases split trustlessly
• 🌍 Remittances — send payments across LATAM & Africa with near-zero fees
• 🏢 Business invoicing — invoice clients with automatic multi-party settlement
• 🔒 Milestone-based contracts — release funds only when off-chain conditions are confirmed

Repo	Language	Description
split-contracts		Soroban smart contracts — invoice creation, payment collection, automatic USDC routing
split-sdk		npm package (@stellar-split/sdk) — typed client for all contract interactions
split-app		Next.js 14 frontend — create invoices, track payments, manage splits

🌐 stellarsplit-dapp.vercel.app

Smart contracts (Rust/Soroban)

git clone https://github.com/Stellar-split/split-contracts.git
cd split-contracts
cargo test --workspace

SDK (TypeScript)

git clone https://github.com/Stellar-split/split-sdk.git
cd split-sdk
npm install && npm test

Frontend (Next.js)

git clone https://github.com/Stellar-split/split-app.git
cd split-app
npm install && npm run dev

Each repository has its own CONTRIBUTING.md with setup details and code standards.

StellarSplit participates in two open-source contributor programs:

An open bounty program where contributors earn rewards for completing GitHub issues. StellarSplit has 125+ open issues across the three repositories — from Soroban contract features to SDK utilities and frontend components.

👉 Browse issues on Drips

StellarSplit is an approved project on GrantFox — a Stellar ecosystem collaboration platform with additional bounty issues across all three repositories.

Rules for both programs:

Do NOT start work on any issue until assigned by the maintainer. Comment on the issue to express interest and wait for assignment.

MIT — see individual repositories for details.