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Developers · Examples

What a transaction actually looks like.

Two walk-throughs taken from how builders are using Stellus today — a marketplace running global payouts in ozUSD, and a fintech running treasury on OZD.

01
Global payout · ozUSD
A US marketplace paying global sellers.
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02
Treasury · OZD
A B2B fintech running global treasury operations.
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Global payout · ozUSDScenario

A US marketplace paying global sellers.

Weekly batch payout to 12,400 sellers across 47 countries. Sellers need local currency within 24 hours — bank account, mobile wallet, or push-to-card depending on corridor.

Sellers paid12,287
Median delivery24 min
Countries47
Total settled$4.18M
  1. 01
    T+0:00

    Fund the treasury wallet.

    Settled

    Marketplace wires $4.2M to its Stellus account. Reserve attested, ozUSD minted on Base, identity verified.

    Payload
    wire.amount$4,200,000.00
    mint.assetozUSD
    mint.networkbase
    treasury.idacct_mkt_treasury
  2. 02
    T+0:02

    Submit the payout batch.

    In flight

    Single API call with 12,400 transfer intents — destination country, currency, method, amount, and recipient alias per row.

    Payload
    POST/transfers/batch
    intents12,400
    currencies23 distinct
    idempotency0c2a-7f81-…
  3. 03
    T+0:05

    OzID + Chainalysis screen every recipient.

    Settled

    Identity, sanctions, PEP, and wallet-risk checks run inline before any value moves. Policy: risk score ≤ 3, no sanctioned jurisdictions, velocity caps respected.

    Payload
    cleared12,287
    review.queue113
    blocked0
    screening.partnerChainalysis KYT
  4. 04
    T+0:08

    Burn ozUSD against reserves.

    Settled

    ozUSD burned at par per cleared intent. The partner network funding leg is credited; the marketplace's ledger entries match to the cent.

    Payload
    burned$4,180,420.50
    reserve.match1.000000
    fx.lockedyes · upfront
  5. 05
    T+0:08 → T+24:00

    Last-mile delivery across nine rails.

    Settled

    Each cleared intent routes to the right rail per corridor. Real-time where the rail supports it; same-day where it doesn't. Status streams back per intent.

    Payload
    local bank9,142
    mobile money1,894
    push-to-card1,251
    median.t24 min
  6. 06
    T+24:00

    Reconciliation closes the batch.

    Settled

    Single ledger reconciles every leg — mint, screen, burn, delivery. The 113 review-queue intents flow to the marketplace's risk dashboard with full provenance.

    Payload
    ledger.statusclosed
    review.routedrisk dashboard
    fees.transparentyes
    report.exportcsv · webhook
What just happened

One API call, one ledger of record. The marketplace's finance team gets a single batch report; sellers got paid in 24 minutes median across 47 countries.

Treasury · OZDScenario

A B2B fintech running global treasury operations.

Hold operating float as OZD during banking hours (interest-bearing, balance-sheet residence), sweep to ozUSD for weekend cross-border settlement, unwind back on Monday.

Operating balance$25M
Weekend swept$8M
Interest accrualMon–Fri
Cutoffs missed0
  1. 01
    Mon · 09:30

    Initial position on the ledger.

    Settled

    Fintech holds $25M as OZD — a tokenized deposit under Stellus's Wyoming SPDI charter. Interest accrual starts. The dollar stays on the bank's books.

    Payload
    balance.OZD$25,000,000.00
    deposit.homeStellus SPDI
    interest.accrualon
    policytreasury-default
  2. 02
    Mon → Thu

    Weekday domestic settlements via bank rails.

    Settled

    Domestic counterparties receive OZD; transfers route through Fedwire, RTP, and FedNow per amount and counterparty. Bank-grade audit trail, identity-gated end-to-end.

    Payload
    rails.usedFedwire · RTP · FedNow
    transfers147 outbound
    median.t12 sec
    compliance.inlineon
  3. 03
    Fri · 16:00

    Convert OZD → ozUSD ahead of the wire cutoff.

    Settled

    $8M moves across the conversion gateway: OZD burned, ozUSD minted on the chosen public network. OzID gates the swap; the ledger ties both legs together.

    Payload
    convert.fromOZD
    convert.toozUSD · ethereum
    amount$8,000,000.00
    atomicitydeterministic
  4. 04
    Sat · 23:14

    Weekend cross-border settlement.

    Settled

    Counterparty in Singapore receives $1.2M in ozUSD over the weekend — banking hours irrelevant. Compliance, sanctions, and Travel Rule run inline on every transfer.

    Payload
    transfer.idtx_aS81m_…
    counterpartyverified · SG
    amount$1,200,000.00
    finalitydeterministic · 0.4s
  5. 05
    Mon · 09:05

    Sweep remainder back to OZD.

    Settled

    Remaining ozUSD ($6.8M) converts back to OZD when banks reopen. Interest accrual resumes; balance-sheet residence restored.

    Payload
    convert.fromozUSD · ethereum
    convert.toOZD
    amount$6,800,000.00
    interest.accrualresumed
  6. 06
    Mon · 17:00

    End-of-week ledger.

    Settled

    One ledger shows the full week: every domestic transfer, the Friday sweep, the weekend cross-border, the Monday unwind, and the interest earned across banking hours.

    Payload
    volume.week$41.8M
    interest.earnedsee ledger
    fx.spread.hidden0
    reconciliationcontinuous
What just happened

The dollar stayed on the bank's books when banks were open, moved on-chain when they weren't, and reconciled to one ledger throughout. No banking-hour gap, no per-corridor pre-funding, no manual sweeps.

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