Stellar Anchor
SeevCash is a Stellar anchor enabling USDC ↔ GHS (Ghana Cedis) on/off-ramp via Mobile Money using the SEP protocol suite.
SeevCash operates a Stellar anchor that bridges USDC on the Stellar network with Ghana Cedis (GHS) via MTN, Vodafone, and AirtelTigo Mobile Money. The anchor implements the full SEP (Stellar Ecosystem Proposal) protocol suite for programmatic deposits, withdrawals, KYC, and quotes.
Supported asset
| Asset | Code | Issuer | Network |
|---|---|---|---|
| USD Coin | USDC | GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN | Stellar Mainnet (Public) |
Supported fiat
| Currency | Code | Channels |
|---|---|---|
| Ghana Cedis | GHS | MTN Mobile Money, Vodafone Cash, AirtelTigo Money |
GHS is off-chain fiat — it is not an issued Stellar asset. It is delivered via Mobile Money and modeled as iso4217:GHS in SEP-38 quotes and SEP-31 payouts.
Architecture
┌─────────────┐ SEP-10 Auth ┌──────────────────────┐
│ Wallet / │◄────────────────────────►│ SeevCash Anchor │
│ Client │ │ anchor.seevcash.com │
│ │ SEP-12 KYC │ │
│ │◄────────────────────────►│ ┌──────────────┐ │
│ │ │ │ KYC Service │ │
│ │ SEP-6 Deposit/Withdraw │ └──────────────┘ │
│ │◄────────────────────────►│ │
│ │ │ ┌──────────────┐ │
│ │ SEP-38 Quotes │ │ Quote Engine│ │
│ │◄────────────────────────►│ └──────────────┘ │
└─────────────┘ │ │
│ ┌──────────────┐ │
┌─────────────┐ │ │ Payment │ │
│ Stellar │ Horizon / Payment Watch │ │ Monitor │ │
│ Network │◄────────────────────────►│ └──────────────┘ │
└─────────────┘ │ │
│ ┌──────────────┐ │
┌─────────────┐ │ │ MoMo │ │
│ Mobile │ Collect / Disburse │ │ Gateway │ │
│ Money APIs │◄────────────────────────►│ └──────────────┘ │
└─────────────┘ └──────────────────────┘Implemented SEPs
| SEP | Purpose | Description |
|---|---|---|
| SEP-1 | Stellar Info File | stellar.toml at /.well-known/stellar.toml advertising anchor capabilities |
| SEP-6 | Deposit & Withdrawal API | Programmatic on/off-ramp without interactive UI |
| SEP-9 | Standard KYC Fields | Shared field definitions used by SEP-12 |
| SEP-10 | Web Authentication | Mutual authentication between wallet and anchor |
| SEP-12 | KYC API | Submit and manage customer verification data |
| SEP-24 | Interactive Deposit & Withdrawal | Anchor-hosted interactive UI flow |
| SEP-31 | Cross-Border Payments API | Business-to-business receive: USDC in, GHS Mobile Money payout |
| SEP-38 | Anchor RFQ API | Request firm quotes for conversions |
Integration flow
A typical deposit (GHS → USDC) follows this sequence:
- Authenticate — SEP-10 challenge/response to get a JWT token
- KYC — SEP-12 to register and verify the customer
- Quote (optional) — SEP-38 to lock in an exchange rate
- Deposit — SEP-6 to initiate the on-ramp transaction
- Collect — Anchor collects GHS via Mobile Money (auto or manual)
- Settle — Anchor sends USDC to the customer's Stellar address
All SEP-6 endpoints require a valid SEP-10 JWT in the Authorization header. Complete authentication first.
Quick links
Authentication (SEP-10)
Authenticate your Stellar account with the anchor and receive a JWT token.
KYC (SEP-12)
Submit customer verification data required for the Ghana corridor.
Deposit (GHS → USDC)
On-ramp GHS to USDC via Mobile Money using SEP-6.
Withdraw (USDC → GHS)
Off-ramp USDC to GHS Mobile Money using SEP-6.
Quotes (SEP-38)
Get exchange rates and lock in firm quotes for conversions.
Cross-Border Payments (SEP-31)
Business receive flow: send USDC on Stellar, anchor pays out GHS via Mobile Money.
Transactions
Poll transaction status, handle callbacks, and view the more_info page.
Stellar Info File (SEP-1)
The anchor publishes a stellar.toml at:
https://anchor.seevcash.com/.well-known/stellar.tomlThis file advertises the transfer server URL, authentication server, KYC server, and supported assets. Wallets use this file to discover anchor capabilities automatically.