AnchorNet is a liquidity coordination network for Stellar anchors that enables efficient cross-anchor settlement and liquidity sharing.

Anchors are financial institutions or service providers that act as fiat gateways to the Stellar network. They allow users to deposit and withdraw fiat currencies while issuing corresponding digital assets on-chain.

Today, anchors operate largely in isolation, which results in fragmented liquidity and inefficient cross-border settlements.

AnchorNet introduces a shared liquidity and routing layer between anchors, enabling seamless cross-anchor payments and automated settlement.

The protocol functions as an interbank settlement network for Stellar anchors.

Within the Stellar ecosystem, anchors serve as bridges between traditional financial systems and the blockchain network.

Examples of anchors include:

• banks integrating with Stellar
• payment processors
• remittance providers
• fiat on/off ramp services

However, the current system faces several challenges.

A user in India wants to send funds to Europe.

• Anchor India: INR → USDC
• Anchor Europe: USDC → EUR

Currently, there is no unified liquidity layer that efficiently routes funds between anchors.

AnchorNet introduces a global liquidity coordination protocol that connects anchors through a shared settlement and routing infrastructure.

Anchors contribute liquidity and participate in a distributed settlement network.

• shared liquidity pools
• automated routing between anchors
• periodic net settlement
• transparent pricing

This enables efficient cross-border flows between fiat currencies.

User sends: INR → EUR

Routing path:

Anchor India → USDC → AnchorNet Liquidity Pool → EUR Anchor

Payments are routed automatically through the network.

Anchors can contribute liquidity to a shared pool that facilitates cross-border payments.

Balances between anchors are periodically settled on Stellar.

Payments are automatically routed through the most efficient anchor pathway.

Provides real-time analytics on liquidity distribution across anchors.

AnchorNet leverages the core capabilities of the Stellar network.

Stellar is uniquely designed for cross-border payment infrastructure.

flowchart LR

Sender[User Wallet]
AnchorA[Anchor A - India]
Router[AnchorNet Router]
LiquidityPool[AnchorNet Liquidity Pool]
AnchorB[Anchor B - Europe]
Receiver[Recipient Wallet]
Stellar[Stellar Network]

Sender --> AnchorA
AnchorA --> Router
Router --> LiquidityPool
LiquidityPool --> AnchorB
AnchorB --> Receiver

Router --> Stellar

flowchart TB

Client[Wallet / Payment Application]

API[AnchorNet API Gateway]

RoutingEngine[Routing Engine]
LiquidityIndexer[Liquidity Indexer]
SettlementEngine[Settlement Engine]
AnalyticsService[Liquidity Analytics]

Database[(PostgreSQL)]
Cache[(Redis)]

StellarNode[Stellar Horizon Node]

Client --> API

API --> RoutingEngine
API --> SettlementEngine
API --> AnalyticsService

RoutingEngine --> LiquidityIndexer

LiquidityIndexer --> Database
SettlementEngine --> StellarNode

AnalyticsService --> Database

sequenceDiagram

participant User
participant AnchorA
participant Router
participant AnchorB
participant Stellar

User->>AnchorA: Deposit INR
AnchorA->>Router: Request Routing

Router->>Router: Determine Optimal Anchor Path

Router->>Stellar: Execute Path Payment

Stellar->>AnchorB: Deliver USDC

AnchorB->>User: Convert to EUR

AnchorNet performs periodic net settlements between anchors.

flowchart LR

Anchor1[Anchor A]
Anchor2[Anchor B]
Anchor3[Anchor C]

Netting[Net Settlement Engine]

Stellar[Stellar Settlement]

Anchor1 --> Netting
Anchor2 --> Netting
Anchor3 --> Netting

Netting --> Stellar

Instead of settling every transaction individually, AnchorNet aggregates balances and performs net settlement transactions, reducing costs.

erDiagram

ANCHOR {
  string id
  string country
  string supported_assets
}

LIQUIDITY_POOL {
  string id
  string asset
  float liquidity
}

PAYMENT_ROUTE {
  string id
  string source_anchor
  string destination_anchor
  float estimated_cost
}

SETTLEMENT {
  string id
  string anchor_a
  string anchor_b
  float amount
}

ANCHOR ||--o{ LIQUIDITY_POOL : contributes
ANCHOR ||--o{ PAYMENT_ROUTE : participates
ANCHOR ||--o{ SETTLEMENT : settles

AnchorNet incorporates multiple security layers.

AnchorNet generates revenue through infrastructure services.

AnchorNet transforms how anchors interact within the Stellar ecosystem.

Benefits include:

• efficient cross-border payments
• reduced liquidity fragmentation
• improved exchange rates
• scalable anchor coordination

This positions AnchorNet as a core financial infrastructure layer for global Stellar anchors.

• anchornet-frontend – Next.js web app (wallets, payment UI, Stellar integration)
• anchornet-backend – Express API (routing, settlement, liquidity indexer)
• anchornet-contracts – Soroban smart contracts (on-chain logic)

Each sub-project has its own README with setup and contribution instructions.

License: MIT