[{"id":"etherfuse","name":"Etherfuse","regions":["mexico","brazil"],"vetting":false,"verdict":"ready","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"met","note":"SPEI (MX); PIX (BR)"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"met","note":"Self-serve signup; sandbox live 24/7"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"met","note":"Sandbox delivers on-chain tokens; off-ramp burns tokens"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"met","note":"Guides + reference match the wire (MX)"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"met","note":"MCP docs server + OpenAPI spec"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"met","note":"Quote API returns fee + rate per transaction; public pricing docs"}],"blockers":[],"caveats":[],"localAsset":{"status":"met","note":"CETES / TESOURO stablebonds on Stellar"}},{"id":"koywe","name":"Koywe","regions":["argentina","mexico","colombia"],"vetting":false,"verdict":"partial","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"met","note":"WIREAR/QRI (AR) + SPEI (MX) + PSE (CO)"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"partial","note":"Credentials by email request (lightweight human step)"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"met","note":"On-ramp settles canonical USDC on Stellar testnet, verified end-to-end"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"met","note":"Authoritative OpenAPI spec"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"partial","note":"OpenAPI good; opaque/silent sandbox failures"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"met","note":"Quote API returns fee per transaction"}],"blockers":[],"caveats":[{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"partial","note":"Credentials by email request (lightweight human step)"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"partial","note":"OpenAPI good; opaque/silent sandbox failures"}],"localAsset":{"status":"failed","note":"USDC only"}},{"id":"manteca","name":"Manteca","regions":["brazil","argentina","colombia"],"vetting":false,"verdict":"blocked","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"met","note":"PIX (BR) + CVU/CBU/alias (AR) + BRE-B (CO)"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Sandbox keys are sales-gated (not self-serve)"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"met","note":"Verified end-to-end on testnet — on-ramp settles USDC to the user’s Stellar address, off-ramp accepts the payment and pays out fiat. Earlier Stellar-settlement gap fixed by Manteca (June 2026). Fiat legs auto-mock."},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"partial","note":"2026 docs corrected auth, onboarding, and the ramp-off destination to match the wire. Residual: docs type depositAddresses.STELLAR as a string, but the wire returns an object (use .address); the scalar depositAddress holds the EVM address."},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"met","note":"Markdown docs + llms.txt; built a full client from them and onboarded a sandbox user end-to-end"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"met","note":"Confirmed live: per-quote fee on the ramp synthetic (withdrawCostInAsset/withdrawCostInAgainst + effectivePrice)"}],"blockers":[{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Sandbox keys are sales-gated (not self-serve)"}],"caveats":[{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"partial","note":"2026 docs corrected auth, onboarding, and the ramp-off destination to match the wire. Residual: docs type depositAddresses.STELLAR as a string, but the wire returns an object (use .address); the scalar depositAddress holds the EVM address."}],"localAsset":{"status":"failed","note":"USDC/USDT/XLM — no locally denominated asset"}},{"id":"alfredpay","name":"Alfred Pay","regions":["mexico","brazil"],"vetting":false,"verdict":"blocked","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"met"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"met","note":"Sandbox exists; use example API keys"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"Sandbox does not submit testnet transactions"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"unverified"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"unverified"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"blockers":[{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"Sandbox does not submit testnet transactions"}],"caveats":[{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"unverified"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"unverified"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"localAsset":{"status":"failed","note":"USDC only"}},{"id":"blindpay","name":"BlindPay","regions":["mexico"],"vetting":false,"verdict":"partial","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"met"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"met","note":"Self-serve signup + rich sandbox"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"partial","note":"Off-ramp sends tokens; on-ramp blocked by a wrong USDB issuer"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"unverified"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"unverified"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"blockers":[],"caveats":[{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"partial","note":"Off-ramp sends tokens; on-ramp blocked by a wrong USDB issuer"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"unverified"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"unverified"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"localAsset":{"status":"failed","note":"USDC only"}},{"id":"abroad","name":"Abroad Finance","regions":["brazil"],"vetting":false,"verdict":"blocked","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"partial","note":"Off-ramp only"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"No sandbox at all — test with small live amounts"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"No testnet environment"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"unverified"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"unverified"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"blockers":[{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"No sandbox at all — test with small live amounts"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"No testnet environment"}],"caveats":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"partial","note":"Off-ramp only"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"unverified"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"unverified"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"localAsset":{"status":"failed","note":"USDC only"}},{"id":"transfero","name":"Transfero","regions":["brazil"],"vetting":false,"verdict":"blocked","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"met"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Sandbox requires contacting support for credentials"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"unverified"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"unverified"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"unverified"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"blockers":[{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Sandbox requires contacting support for credentials"}],"caveats":[{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"unverified"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"unverified"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"unverified"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"localAsset":{"status":"partial","note":"BRZ is Transfero-issued, but availability/activity is unclear"}},{"id":"pdax","name":"PDAX","regions":["philippines"],"vetting":true,"verdict":"blocked","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"unverified","note":"PHP bank rails; never confirmed end-to-end"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Password-gated docs + Telegram-gated credentials — no self-serve"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"No crypto tx ever completed; sandbox appears to use an internal ledger, not real testnet"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"failed","note":"No first-party spec; reverse-engineered and drifts from the wire"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"failed","note":"Gated, no machine-readable spec, opaque NOT_FOUND errors"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"blockers":[{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Password-gated docs + Telegram-gated credentials — no self-serve"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"No crypto tx ever completed; sandbox appears to use an internal ledger, not real testnet"}],"caveats":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"unverified","note":"PHP bank rails; never confirmed end-to-end"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"failed","note":"No first-party spec; reverse-engineered and drifts from the wire"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"failed","note":"Gated, no machine-readable spec, opaque NOT_FOUND errors"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"localAsset":{"status":"failed","note":"USDCXLM (= USDC) — no locally denominated asset"}},{"id":"coinsph","name":"Coins.ph","regions":["philippines"],"vetting":true,"verdict":"blocked","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"unverified","note":"PHP rails; unconfirmed"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Blocked on credentials — not self-serve"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"unverified","note":"Blocked; Stellar support unconfirmed"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"failed","note":"Docs list only EVM/Solana; do not reflect any Stellar capability"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"partial","note":"Docs + HMAC signing exist, but core capability is unconfirmable"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"blockers":[{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Blocked on credentials — not self-serve"}],"caveats":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"unverified","note":"PHP rails; unconfirmed"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"unverified","note":"Blocked; Stellar support unconfirmed"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"failed","note":"Docs list only EVM/Solana; do not reflect any Stellar capability"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"partial","note":"Docs + HMAC signing exist, but core capability is unconfirmable"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"localAsset":{"status":"failed","note":"USDC — no locally denominated asset"}},{"id":"bitso","name":"Bitso","regions":["mexico","brazil","argentina","colombia"],"vetting":true,"verdict":"partial","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"met","note":"SPEI/PIX/PSE; ARS rails partial"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"partial","note":"Self-serve API keys + staging confirmed live (conversions + USDC-on-Stellar withdrawal work); fiat pay-in (CLABE/SPEI/PIX) is permission-gated per market (403 until activated)"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"met","note":"Confirmed live: a staging USDC withdrawal (xlm_sac) delivers real Stellar testnet USDC on-chain"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"met","note":"Comprehensive public docs portal"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"met","note":"OpenAPI + llms.txt (explicit AI-agent index)"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"met","note":"Conversion quote returns fee_amount/fee_percentage; withdrawal_methods lists per-method fees (confirmed live)"}],"blockers":[],"caveats":[{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"partial","note":"Self-serve API keys + staging confirmed live (conversions + USDC-on-Stellar withdrawal work); fiat pay-in (CLABE/SPEI/PIX) is permission-gated per market (403 until activated)"}],"localAsset":{"status":"failed","note":"USDC on Stellar; MXNB/BRL1 local tokens are on Arbitrum/Polygon, not Stellar"}},{"id":"yellowcard","name":"Yellow Card","regions":["kenya","ghana"],"vetting":true,"verdict":"blocked","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"partial","note":"Kenya (M-Pesa) live; Ghana/GHS not yet served"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Discovery call + KYB + signed legal agreement required before API keys"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"USDC-XLM partially wired to testnet but not reconciled: on-ramp payout fails → refund (no txHash); off-ramp gives a real testnet deposit address but ignores the on-chain credit (mock completes via sender name, totalCryptoReceived=0)"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"met","note":"Public docs + OpenAPI + llms.txt"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"met","note":"Hosted MCP server + llms.txt + OpenAPI + error codes"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"blockers":[{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Discovery call + KYB + signed legal agreement required before API keys"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"USDC-XLM partially wired to testnet but not reconciled: on-ramp payout fails → refund (no txHash); off-ramp gives a real testnet deposit address but ignores the on-chain credit (mock completes via sender name, totalCryptoReceived=0)"}],"caveats":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"partial","note":"Kenya (M-Pesa) live; Ghana/GHS not yet served"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"localAsset":{"status":"failed","note":"USD stablecoins only; no KES/GHS token on Stellar"}},{"id":"fonbnk","name":"Fonbnk","regions":["kenya","ghana"],"vetting":true,"verdict":"blocked","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"met","note":"Mobile money + airtime, Kenya and Ghana"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"met","note":"Self-serve sandbox registration; clientId/secret from dashboard"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"Pay Widget sandbox rejects STELLAR/USDC (\"blockchain asset not available\"); USDC works on other chains (e.g. Ethereum), so no Stellar on-ramp today"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"met","note":"Public versioned GitBook docs + HMAC signing guide"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"partial","note":"llms.txt + REST docs, but no OpenAPI/MCP and not SEP-standard"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"met","note":"v2 price/quote API returns fees"}],"blockers":[{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"Pay Widget sandbox rejects STELLAR/USDC (\"blockchain asset not available\"); USDC works on other chains (e.g. Ethereum), so no Stellar on-ramp today"}],"caveats":[{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"partial","note":"llms.txt + REST docs, but no OpenAPI/MCP and not SEP-standard"}],"localAsset":{"status":"failed","note":"Stellar asset is USDC; cKES/cGHS local stablecoins are on Celo, not Stellar"}},{"id":"bilira","name":"BiLira","regions":["turkiye"],"vetting":true,"verdict":"blocked","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"met","note":"TRY↔TRYB via Turkish bank accounts; BiLira Direct ramp"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Partner/contact-only; no public self-serve ramp API"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"No sandbox found"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"failed","note":"No public developer docs/API reference found"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"failed","note":"No OpenAPI/SEP; token issuer + exchange, not an anchor"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"blockers":[{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Partner/contact-only; no public self-serve ramp API"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"No sandbox found"}],"caveats":[{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"failed","note":"No public developer docs/API reference found"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"failed","note":"No OpenAPI/SEP; token issuer + exchange, not an anchor"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"localAsset":{"status":"failed","note":"TRYB is TRY-pegged but not issued on Stellar (EVM/Solana only)"}},{"id":"onafriq","name":"Onafriq","regions":["kenya","ghana"],"vetting":true,"verdict":"blocked","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"met","note":"Mobile money + bank across KE/GH; very deep reach"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Enterprise/contract-led onboarding; no self-serve"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"No Stellar integration; no on-chain testnet path"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"partial","note":"Developer portal exists but credential-gated"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"unverified","note":"No public OpenAPI/SEP found"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"blockers":[{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"failed","note":"Enterprise/contract-led onboarding; no self-serve"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"No Stellar integration; no on-chain testnet path"}],"caveats":[{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"partial","note":"Developer portal exists but credential-gated"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"unverified","note":"No public OpenAPI/SEP found"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"localAsset":{"status":"failed","note":"No KES/GHS token on Stellar; USDC pilots not Stellar-confirmed"}},{"id":"flutterwave","name":"Flutterwave","regions":["kenya","ghana"],"vetting":true,"verdict":"blocked","signals":[{"id":"local-rails","label":"Support for local payment rails connected to Stellar","severity":"required","status":"met","note":"M-Pesa (KE) + Ghana mobile money, first-class"},{"id":"open-access","label":"Open self-service access (credentials + sandbox, no human in the loop)","severity":"required","status":"met","note":"Self-serve signup + instant test/live API keys"},{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"Rich fiat sandbox but no Stellar leg — no on-chain testnet result possible"},{"id":"accurate-docs","label":"Accurate, well-documented API (docs match the wire)","severity":"friction","status":"met","note":"Public, well-maintained docs (v3/v4)"},{"id":"agent-buildable","label":"Agent-buildable (machine-readable docs/spec, diagnosable failures)","severity":"friction","status":"met","note":"OpenAPI + llms.txt; diagnosable errors"},{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"blockers":[{"id":"high-fidelity-sandbox","label":"High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)","severity":"required","status":"failed","note":"Rich fiat sandbox but no Stellar leg — no on-chain testnet result possible"}],"caveats":[{"id":"fee-discoverability","label":"Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)","severity":"friction","status":"unverified"}],"localAsset":{"status":"failed","note":"No KES/GHS token on Stellar; stablecoin roadmap is Polygon"}}]