Skip to main content



This section details how to build applications without smart contracts. Navigate to the Smart Contracts section to learn about writing contracts on Stellar.

Stellar is an open-source distributed ledger that you can use as a backend to power various applications and services, such as wallets, payment apps, currency exchanges, micropayment services, platforms for in-game purchases, and more — check out projects being built on Stellar: Stellar Ecosystem Projects.

Stellar has built-in logic for key storage, creating accounts, signing transactions, tracking balances, and queries to the Stellar database, and anyone can use the network to issue, store, transfer, and trade assets.

This documentation will walk you through how to build a wallet with the Wallet SDK (recommended) or an example payment application with the JS Stellar SDK (legacy).


Many Stellar assets connect to real-world currencies, and Stellar has open protocols for integrating deposits and withdrawals of these assets via the anchor network. Because of this, a Stellar-based application can take advantage of real banking rails and connect to real money.

Stellar Ecosystem Proposals (SEPs)

Stellar-based products and services interoperate by implementing various Stellar Ecosystem Proposals (SEPs), which are publicly created, open-source documents that live in a GitHub repository and define how asset issuers, anchors, wallets, and other service providers interact with each other.

As a wallet, the most important SEPs are SEP-24: Hosted Deposit and Withdrawal, and SEP-31: Cross Border Payments API, SEP-10: Stellar Authentication, SEP-12: KYC API, and SEP-38: Anchor RFQ API.