Freely built a payout system on Stellar that lets businesses split payments across multiple recipients in different countries. Using smart wallets, policy signers, and anchors, the team created a secure, low-cost solution for remittances and bulk disbursements, launching mainnet in approximately two months.
Freely is a payout platform built on Stellar that solves the problem of distributing payments across multiple recipients in different countries and currencies. The team designed the system for use cases like influencer houses receiving payments from US platforms and splitting them to creators in the Philippines. The architecture uses Next.js frontend, serverless functions with Opstash for queuing, smart wallets with passkeys, and policy signers for permission management. Transactions are processed off-chain for validation and queuing, then executed on-chain atomically. The team leverages Stellar anchors to convert between USD and local currencies like Philippine pesos, benefiting from lower fees and better FX rates than traditional methods. They built open-source developer tools for testing smart wallets and policy signers. Testing with real money proved challenging since most anchors lack sandbox environments. The team is approximately two months from mainnet deployment, with delays primarily from on-ramping partner contracts and security testing.