The Future of On-Chain
Recurring Payments
Subfy is Stripe for Crypto — enabling businesses to automate subscription payments on Stellar with near-zero fees and 5-second settlement.
~5 sec
Settlement
Non-Custodial
Full control
Near-Zero
Transaction fees
import { Subfy } from '@subfy/sdk';
const subfy = new Subfy({
merchantId: 'your-merchant-id',
network: 'mainnet',
});
// Create a subscription plan
const plan = await subfy.plans.create({
name: 'Pro Plan',
amount: '9.99',
currency: 'USDC',
interval: 'monthly',
});
// Subscribe a user
const subscription = await subfy.subscribe({
planId: plan.id,
userWallet: 'G...USER_STELLAR_ADDRESS',
});Features
Everything you need to accept recurring crypto payments
A complete infrastructure for automating subscription billing on Stellar — from smart contracts to merchant analytics.
Pull-Payment Architecture
Users grant time-bound authorizations for automated recurring transfers. No manual monthly signatures required.
Non-Custodial
Users maintain full sovereignty over their funds. No assets are ever locked in smart contracts. Pause, resume, or revoke anytime.
Near-Zero Fees
Stellar's transaction fees cost pennies, making even micro-subscriptions like $1/week economically viable for any business.
5-Second Settlement
Lightning-fast confirmation times on Stellar ensure rapid transaction finality for both merchants and subscribers.
Stablecoin Support
Deep integration with USDC, EURC, and other regulated stablecoins ensures price stability for your business operations.
Merchant Dashboard
Real-time tracking of MRR, subscriber lifecycle, churn rates, and revenue analytics — all from one unified interface.
How It Works
Three steps to automated payments
From plan creation to automatic renewals — get up and running in minutes.
Merchant Creates a Plan
Use the Subfy SDK or Merchant Dashboard to define subscription plans — set pricing in USDC/EURC, billing frequency, and plan details.
await subfy.plans.create({
name: 'Pro Plan',
amount: '9.99',
currency: 'USDC',
interval: 'monthly',
});User Authorizes Allowance
Subscribers approve a one-time, time-bound token allowance via their Freighter or Lobstr wallet. No funds are locked — full control stays with the user.
// One-time wallet approval
await subfy.authorize({
planId: 'plan_abc123',
wallet: userWallet,
// Time-bound allowance
});Automatic Recurring Payments
Soroban smart contracts handle the rest. At each billing cycle, the contract validates timing and allowance, then executes the transfer automatically.
// Executed automatically by Soroban
// contract.transfer_from(
// subscriber, merchant,
// amount, token
// )
// ✓ Validated timing
// ✓ Checked allowance
// ✓ Payment completeUse Cases
Built for the subscription economy
Discover how businesses across industries leverage Subfy for seamless recurring crypto payments.
SaaS Platforms
Crypto-native apps can implement monthly or yearly subscription plans, collecting payments in stablecoins with automatic renewals.
Content Creators
Subscription-based streaming, exclusive content, and membership tiers — powered by decentralized recurring payments.
Professional Services
Retainer-based consulting, legal, or accounting services with predictable recurring crypto payments.
NGOs & DAOs
Enable predictable funding through automated monthly contributions. Transparent, traceable, and fully on-chain.
API & Micro-Payments
Affordable recurring charges for API access, data feeds, IoT services, or any micro-subscription model — viable with near-zero fees.
Why Stellar
The ideal blockchain for subscription payments
Stellar was built for payments, making it the most logical foundation for a subscription protocol. Low fees, fast settlement, and native stablecoin support create the perfect environment for recurring billing.
$0.00001
Per Transaction
Stellar's near-zero fees make micro-subscriptions economically viable. Even a $1/week plan is profitable for merchants.
~5 sec
Settlement Time
Lightning-fast consensus ensures subscribers and merchants experience near-instant payment confirmation.
USDC / EURC
Stablecoin Native
Subscriptions require price stability. Stellar's deep integration with regulated stablecoins ensures reliable billing.
Soroban
Smart Contracts
Soroban enables the complex pull-payment logic needed for recurring billing with deterministic execution and minimal overhead.
FAQ
Frequently Asked Questions
Everything you need to know about Subfy. Can't find the answer you're looking for? Reach out to our team.
Subfy is a decentralized subscription management protocol built on the Stellar network (Soroban). It allows businesses to accept automated recurring cryptocurrency payments without relying on centralized intermediaries — essentially, Stripe for Crypto.
Users grant a time-bound token allowance to the Subfy smart contract via their wallet (Freighter or Lobstr). This authorization permits the contract to withdraw a specific amount at defined intervals. The process is fully non-custodial — users can pause, resume, or revoke at any time.
Subfy integrates with popular Stellar wallets including Freighter and Lobstr. Users sign a single authorization transaction, and subsequent recurring payments are handled automatically by the smart contract.
Subfy supports all Stellar-native stablecoins including USDC and EURC. Since subscriptions require price stability, stablecoins ensure that both merchants and subscribers have predictable billing amounts.
Stellar's transaction fees are near-zero (approximately $0.00001 per transaction). This makes even micro-subscriptions like $1/week economically viable, as fees never eat into the merchant's margin.
Yes, Subfy is fully non-custodial. User funds are never locked in smart contracts. The allowance mechanism only permits the contract to pull the agreed-upon amount at the agreed-upon frequency. Users retain full sovereignty over their assets.
Subfy provides an SDK (available in JavaScript, Rust, and Python) and a Merchant Dashboard. You can create subscription plans, manage subscribers, and track revenue with just a few lines of code. Detailed documentation and guides are available.
Absolutely. Subscribers maintain full control over their authorizations. They can pause, resume, or completely revoke their allowance at any time through their wallet, ensuring a trustless and user-friendly experience.