Stellar validators will vote on Protocol 15 upgrade on November 23, 2020, introducing Claimable Balances and Sponsored Reserves to simplify user onboarding and reduce friction for anchors and app developers building on the network.
Protocol 15, voting on November 23, 2020, introduces two major features: Claimable Balances allow payments to be split into creation and claiming phases, enabling anchors to onboard users without requiring upfront trustline setup; Sponsored Reserves let one account cover another's lumen reserve requirements without surrendering control. Combined with Protocol 13's Fee Bumps, these features eliminate the need for users to understand crypto, acquire lumens from exchanges, or manage blockchain complexity, making Stellar accessible to mainstream audiences and simplifying anchor onboarding workflows.
