Introduction
Why Octo
Octo is Wallet-as-a-Service for stablecoins on Stellar. It gives your product a single master wallet per network from which you can generate a dedicated deposit address for every customer, detect deposits in real time, and initiate withdrawals — all from one REST API, with signed webhooks and a non-custodial key model.
You never touch private keys or run blockchain infrastructure. You call the Octo API with your Wallet ID and API key, and react to webhooks. Octo handles derivation, signing, deposit attribution, and settlement.
Dedicated addresses, the Stellar way
Instead of deploying a funded on-chain account per customer (and sweeping funds back), Octo uses muxed accounts (M…): one real account (G…) plus a per-customer 64-bit id encoded into the address. Deposits to a customer's M… land directly in your master wallet and carry the id, so:
- no auto-sweep — funds are already in the master wallet;
- no per-customer reserve — only one account exists on-chain;
- addresses are free and instant — generating one is an off-chain operation.
G… + numeric memo_id fallback that resolves to the same customer.What you can build
- Stablecoin checkout with per-customer deposit addresses
- Cross-border payouts and treasury from one master wallet
- Real-time deposit notifications via signed webhooks
Next steps
Head to From 0 to integration for the end-to-end walkthrough, or jump to the API Reference.