Retail Payments on Blockchain: Vision from Axelar & Stellar for Stablecoin Standard

Knowledge Center
May 21, 2025
May 21, 2025

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A new article co-authored by Axelar and Stellar for Stablecoin Standard explores what it will take to bring blockchain-based payments to everyday retail use.

The vision is simple: consumers should be able to use stablecoins in apps that feel like Venmo or Apple Pay—without needing to understand the underlying blockchain infrastructure. But achieving this vision requires deep interoperability across blockchains, apps, and payment rails.

The article outlines a flow powered by Axelar and Stellar in which:

  • A user initiates a payment from any blockchain application (e.g., Ethereum, Solana)
  • Axelar routes that payment across chains to Stellar
  • Stellar’s fiat on/off-ramps and regulated pathways settle the transaction with merchants
  • All of this happens non-custodially, using smart contracts and validator-based security

The infrastructure design prioritizes compliance, speed, and security—avoiding the risks of custodial bridges while offering programmability and visibility on-chain. These attributes make the architecture scalable, reliable, and aligned with how retail payments actually work today.

📬 Stellar integration is coming soon. Sign up for updates at axelar.network/email.

📖 Read the full article at Stablecoin Standard: stablecoinstandard.com/thought-articles/the-path-to-seamless-blockchain-based-retail-payments-the-role-of-interoperability