# Anchor developer-readiness

_Derived live from anchor config. Fees and liquidity are tracked separately and omitted; the reference test anchor is excluded._

## How to read this

Each anchor is scored on six buildability signals. A failed **required** signal makes an anchor `blocked`; a failed **friction** signal (or any `partial`/`unverified`) makes it `partial`; all signals met is `ready`. **Local asset** is shown for reference only and does not affect the verdict.

- **Local payment rails** _(required)_ — Support for local payment rails connected to Stellar
- **Open self-service access** _(required)_ — Open self-service access (credentials + sandbox, no human in the loop)
- **High-fidelity sandbox** _(required)_ — High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)
- **Accurate docs** _(friction)_ — Accurate, well-documented API (docs match the wire)
- **Agent-buildable** _(friction)_ — Agent-buildable (machine-readable docs/spec, diagnosable failures)
- **Fee discoverability** _(friction)_ — Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)

Status: ✓ met · ~ partial · ✕ failed · ? unverified

Rows marked **†** are candidates **under active evaluation** — their scores are preliminary, hand-authored from investigation notes rather than a verified live integration.

## Summary

| Anchor | Region | Verdict | Local payment rails | Open self-service access | High-fidelity sandbox | Accurate docs | Agent-buildable | Fee discoverability | Local asset |
|---|---|---|---|---|---|---|---|---|---|
| Etherfuse | mexico, brazil | ready | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Koywe | argentina, mexico, colombia | partial | ✓ | ~ | ✓ | ✓ | ~ | ✓ | ✕ |
| Manteca | brazil, argentina, colombia | blocked | ✓ | ✕ | ✓ | ~ | ✓ | ✓ | ✕ |
| Alfred Pay | mexico, brazil | blocked | ✓ | ✓ | ✕ | ? | ? | ? | ✕ |
| BlindPay | mexico | partial | ✓ | ✓ | ~ | ? | ? | ? | ✕ |
| Abroad Finance | brazil | blocked | ~ | ✕ | ✕ | ? | ? | ? | ✕ |
| Transfero | brazil | blocked | ✓ | ✕ | ? | ? | ? | ? | ~ |
| PDAX † | philippines | blocked | ? | ✕ | ✕ | ✕ | ✕ | ? | ✕ |
| Coins.ph † | philippines | blocked | ? | ✕ | ? | ✕ | ~ | ? | ✕ |
| Bitso † | mexico, brazil, argentina, colombia | partial | ✓ | ~ | ✓ | ✓ | ✓ | ✓ | ✕ |
| Yellow Card † | kenya, ghana | blocked | ~ | ✕ | ✕ | ✓ | ✓ | ? | ✕ |
| Fonbnk † | kenya, ghana | blocked | ✓ | ✓ | ✕ | ✓ | ~ | ✓ | ✕ |
| BiLira † | turkiye | blocked | ✓ | ✕ | ✕ | ✕ | ✕ | ? | ✕ |
| Onafriq † | kenya, ghana | blocked | ✓ | ✕ | ✕ | ~ | ? | ? | ✕ |
| Flutterwave † | kenya, ghana | blocked | ✓ | ✓ | ✕ | ✓ | ✓ | ? | ✕ |

## Details

### Etherfuse — ready
All buildability signals met.

### Koywe — partial
- ~ **Open self-service access (credentials + sandbox, no human in the loop)** (caveat) — Credentials by email request (lightweight human step)
- ~ **Agent-buildable (machine-readable docs/spec, diagnosable failures)** (caveat) — OpenAPI good; opaque/silent sandbox failures

### Manteca — blocked
- ✕ **Open self-service access (credentials + sandbox, no human in the loop)** (blocker) — Sandbox keys are sales-gated (not self-serve)
- ~ **Accurate, well-documented API (docs match the wire)** (caveat) — 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.

### Alfred Pay — blocked
- ✕ **High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)** (blocker) — Sandbox does not submit testnet transactions
- ? **Accurate, well-documented API (docs match the wire)** (caveat)
- ? **Agent-buildable (machine-readable docs/spec, diagnosable failures)** (caveat)
- ? **Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)** (caveat)

### BlindPay — partial
- ~ **High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)** (caveat) — Off-ramp sends tokens; on-ramp blocked by a wrong USDB issuer
- ? **Accurate, well-documented API (docs match the wire)** (caveat)
- ? **Agent-buildable (machine-readable docs/spec, diagnosable failures)** (caveat)
- ? **Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)** (caveat)

### Abroad Finance — blocked
- ✕ **Open self-service access (credentials + sandbox, no human in the loop)** (blocker) — No sandbox at all — test with small live amounts
- ✕ **High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)** (blocker) — No testnet environment
- ~ **Support for local payment rails connected to Stellar** (caveat) — Off-ramp only
- ? **Accurate, well-documented API (docs match the wire)** (caveat)
- ? **Agent-buildable (machine-readable docs/spec, diagnosable failures)** (caveat)
- ? **Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)** (caveat)

### Transfero — blocked
- ✕ **Open self-service access (credentials + sandbox, no human in the loop)** (blocker) — Sandbox requires contacting support for credentials
- ? **High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)** (caveat)
- ? **Accurate, well-documented API (docs match the wire)** (caveat)
- ? **Agent-buildable (machine-readable docs/spec, diagnosable failures)** (caveat)
- ? **Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)** (caveat)

### PDAX † (under evaluation) — blocked
- ✕ **Open self-service access (credentials + sandbox, no human in the loop)** (blocker) — Password-gated docs + Telegram-gated credentials — no self-serve
- ✕ **High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)** (blocker) — No crypto tx ever completed; sandbox appears to use an internal ledger, not real testnet
- ? **Support for local payment rails connected to Stellar** (caveat) — PHP bank rails; never confirmed end-to-end
- ✕ **Accurate, well-documented API (docs match the wire)** (caveat) — No first-party spec; reverse-engineered and drifts from the wire
- ✕ **Agent-buildable (machine-readable docs/spec, diagnosable failures)** (caveat) — Gated, no machine-readable spec, opaque NOT_FOUND errors
- ? **Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)** (caveat)

### Coins.ph † (under evaluation) — blocked
- ✕ **Open self-service access (credentials + sandbox, no human in the loop)** (blocker) — Blocked on credentials — not self-serve
- ? **Support for local payment rails connected to Stellar** (caveat) — PHP rails; unconfirmed
- ? **High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)** (caveat) — Blocked; Stellar support unconfirmed
- ✕ **Accurate, well-documented API (docs match the wire)** (caveat) — Docs list only EVM/Solana; do not reflect any Stellar capability
- ~ **Agent-buildable (machine-readable docs/spec, diagnosable failures)** (caveat) — Docs + HMAC signing exist, but core capability is unconfirmable
- ? **Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)** (caveat)

### Bitso † (under evaluation) — partial
- ~ **Open self-service access (credentials + sandbox, no human in the loop)** (caveat) — 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)

### Yellow Card † (under evaluation) — blocked
- ✕ **Open self-service access (credentials + sandbox, no human in the loop)** (blocker) — Discovery call + KYB + signed legal agreement required before API keys
- ✕ **High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)** (blocker) — 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)
- ~ **Support for local payment rails connected to Stellar** (caveat) — Kenya (M-Pesa) live; Ghana/GHS not yet served
- ? **Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)** (caveat)

### Fonbnk † (under evaluation) — blocked
- ✕ **High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)** (blocker) — Pay Widget sandbox rejects STELLAR/USDC ("blockchain asset not available"); USDC works on other chains (e.g. Ethereum), so no Stellar on-ramp today
- ~ **Agent-buildable (machine-readable docs/spec, diagnosable failures)** (caveat) — llms.txt + REST docs, but no OpenAPI/MCP and not SEP-standard

### BiLira † (under evaluation) — blocked
- ✕ **Open self-service access (credentials + sandbox, no human in the loop)** (blocker) — Partner/contact-only; no public self-serve ramp API
- ✕ **High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)** (blocker) — No sandbox found
- ✕ **Accurate, well-documented API (docs match the wire)** (caveat) — No public developer docs/API reference found
- ✕ **Agent-buildable (machine-readable docs/spec, diagnosable failures)** (caveat) — No OpenAPI/SEP; token issuer + exchange, not an anchor
- ? **Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)** (caveat)

### Onafriq † (under evaluation) — blocked
- ✕ **Open self-service access (credentials + sandbox, no human in the loop)** (blocker) — Enterprise/contract-led onboarding; no self-serve
- ✕ **High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)** (blocker) — No Stellar integration; no on-chain testnet path
- ~ **Accurate, well-documented API (docs match the wire)** (caveat) — Developer portal exists but credential-gated
- ? **Agent-buildable (machine-readable docs/spec, diagnosable failures)** (caveat) — No public OpenAPI/SEP found
- ? **Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)** (caveat)

### Flutterwave † (under evaluation) — blocked
- ✕ **High-fidelity sandbox (a completed test ramp lands real on-chain testnet tokens)** (blocker) — Rich fiat sandbox but no Stellar leg — no on-chain testnet result possible
- ? **Fee/rate discoverability (costs findable via pricing docs or a quote/fee API)** (caveat)