Protocol 15 introduces claimable balances, enabling payments to accounts without requiring pre-existing trust lines. This two-part payment mechanism solves a major friction point in asset transfers while enabling new payment primitives like recoverable and multi-recipient payments.
Protocol 15 addresses a longstanding Stellar friction point: the requirement that both sender and receiver must have trust lines for asset transfers. The solution introduces claimable balances via CreateClaimableBalance and ClaimClaimableBalance operations, enabling two-part payments where funds are held in an intermediate state until claimed. The design uses claim predicates (time-based conditions) paired with multiple potential claimants, enabling flexible payment primitives including simple payments, recoverable payments, cancellable payments, and multi-recipient scenarios. This framework eliminates trust line friction while creating new capabilities for payment customization without introducing spam or denial-of-service vulnerabilities.
