A neutral settlement network for regulated dollars — acquiring, deposits, on-chain settlement, and global payout on one ledger, with compliance built in.
The Network reaches 190+ countries in ~100 currencies through our locally licensed partner footprint. See the Payouts page for methods, settlement speed, and corridor detail.
Banks aren't always open. Markets are. Stellus issues two complementary dollar instruments — one for when the bank is open, one for when it isn't — joined by a gateway that converts between them in a single API call.
An open, 1:1-reserved payment stablecoin that settles on public networks in seconds, 24/7. Programmable, self-custodiable, composable. Built to the federal payment-stablecoin framework — no yield to holders, timely redemption at par.
A tokenized deposit liability held under Stellus's Wyoming SPDI charter. The dollar stays on the bank's books; the token is a programmability layer over an existing deposit. Interest-bearing by design, deposit-treatment by law.
OzID gates each conversion on identity, sanctions, and policy. The gateway burns one side and mints the other, then reconciles both legs onto a single ledger of record — so the bank core and the chain stay in lockstep.
Move weekend-acquired stablecoin into an interest-bearing deposit on Monday — yield, insurance, and balance-sheet residence inherited automatically.
Sweep a Friday-afternoon deposit balance into a stablecoin so it can settle through the weekend — and unwind back into the deposit when banks reopen.
Design note. At scale, the conversion can collapse into a state transition on a single token rather than burn-and-mint across two — same legal substance, fewer moving parts. Stellus's roadmap supports both patterns.
Build with an open bearer stablecoin, build with a chartered tokenized deposit, or build with both. One identity layer, one ledger, the same compliance posture across the stack.
Move value between counterparties with the openness of a bearer instrument and the discipline of a 1:1-reserved payment stablecoin. Best for marketplaces, payments platforms, and on-chain commerce — wherever the dollar needs to be programmable and portable.
Stand up dollar accounts inside your product — backed by deposits under Stellus's Wyoming SPDI charter. OZD turns your platform into a global dollar account: hold, move, and pay out under bank-grade controls, with full reconciliation on a single ledger.
Stellus is built to be the layer underneath your product — neutral about which network you choose, opinionated about how compliance and reconciliation get done.
Stellus is a neutral settlement layer. Plug into the networks that matter for your product — we handle the rails so you don't pick winners.
ozUSD for open settlement, OZD for chartered-institution deposits. Move between them in one API call, all on the same ledger of record.
Define your policy — counterparty, jurisdiction, risk, velocity, quorum — and Stellus enforces it inline on every transfer, with Chainalysis screening baked in.
Sanctions, AML, Travel Rule, and KYC/KYB run inline with every transfer — never bolted on, never out of band.
190+ countries in ~100 currencies through our locally licensed partner network — across nine payout rails, real-time where the rail allows.
OzID carries verified counterparty data with the payment, so your platform inherits Travel-Rule-grade data without standing up its own KYC stack.
Issuance, identity, transfer, conversion, payout, reconciliation — one API surface, one set of webhooks, one set of failure modes to learn.
Take just the stablecoin, just the deposit token, just identity, just payouts — or all of it. Pieces compose; nothing forces a full migration.
Native multi-chain via burn-and-mint instead of lock-and-wrap — one canonical asset across networks, no bridge contracts to compromise.
One ledger of record from funding to delivery. Auditors get continuous access; your operators stop chasing breaks on Fridays.
The stack is modular — take just the stablecoin, just the deposit token, just identity, just payouts, or all of it. Here's who tends to take what.
Use ozUSD for composability and the gateway plus bank rails for fiat in and out. The deposit token gives treasury a compliant landing spot.
Consume the stack as infrastructure — PPSI issuance, deposit token, identity, and payouts — instead of pursuing a multi-year charter.
Settle on ozUSD when banks are closed or for cross-border; use OZD and bank rails for domestic high-value and bank-grade needs.
Stablecoin sandwich (fiat → stablecoin → fiat) settles in seconds, 24/7, across corridors that have zero banking-hour overlap.
Daily instead of weekly payouts without bleeding wire fees; programmatic split settlement; atomic, identity-gated last mile.
Hold operating float as interest-bearing OZD during the day, sweep to ozUSD for after-hours liquidity — bank-grade treatment when desired, 24/7 always.
Stablecoins are the native rail for 24/7 micropayments; OzID supplies Know-Your-Agent, delegated authority, spend limits, and audit trail.
Virtual accounts, multi-rail payments, real-time ledgers, and stablecoin or deposit-token issuance — embedded inside non-financial platforms.
Use OZD for regulated settlement and ozUSD for reach. The orchestration layer picks the right rail per transaction.
Idle deposit float and tokenized receivables fund on-chain credit structures with embedded interest accrual and covenant enforcement. (Credit activity sits on the deposit side — never inside stablecoin reserves.)
Stellus lets banks and PSPs define the rules their tokenized dollars must follow — counterparty, jurisdiction, risk, velocity, quorum, hours — and enforces them inline on every transfer, before settlement. Chainalysis screening powers the wallet and sanctions layer.
1// Programmable policy · runs inline on every transfer2policy.require({3 counterparty: verified("OzID"),4 riskScore: ≤ 3 // Chainalysis KYT,5 jurisdiction: not.in(sanctions.list),6 velocity: ≤ $1M / 24h,7 approvers: quorum(2, role.treasurer),8});9 10// → policy resolves before settlement; failure is deterministicProgrammable compliance applies to both ozUSD (the bearer stablecoin) and OZD (the tokenized deposit). Policy is a runtime contract — change it, and the next transfer obeys.
The Stellus Network spans the full life of a dollar: in through acquiring and on-ramps, held in regulated deposits under our Wyoming SPDI charter, moved as ozUSD or OZD, and out through last-mile payout in supported markets. Instead of stitching together a processor, a bank, a stablecoin issuer, and a dozen payout providers, platforms plug into one network with one identity layer.
Acquiring and on-ramp across major card and bank rails.
Deposits and float held under Stellus's Wyoming SPDI charter.
At-par settlement in ozUSD and OZD, gated by OzID.
Local payout across 190+ markets in ~100 currencies through our locally licensed partner network.
Stellus was designed to the U.S. federal payment-stablecoin framework before there was a rule to read. Controls run inline with every transfer — at the point of execution, not in batch the next morning — and evidence is continuous, not quarterly.
Regulatory framing. Stellus is built to the U.S. GENIUS Act federal framework for payment stablecoins. Final federal rules are expected by July 18, 2026 and take effect later (the earlier of 120 days after final rules, or January 18, 2027). Nothing here should be read as a representation that any Stellus product is "approved" under the GENIUS Act. ozUSD is not a bank deposit and is not FDIC-insured to holders. OZD is a tokenized deposit; deposit-insurance treatment of tokenized deposits is itself subject to pending rulemaking.
One identity layer, one ledger, every leg of the dollar.