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Useroutr is application funding infrastructure. Your application says what it needs: an amount of an asset, delivered to your account. Your user pays with whatever they have. Useroutr quotes the route, watches for the payment, settles it on Stellar, reconciles it and credits your ledger, then tells your server.

Quickstart

Create a key, take a test payment and see it credited, in about ten minutes.

How it works

The path from a funding intent to a credit, and what Useroutr guarantees along it.

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Why Useroutr

Any asset in

Users pay with the asset they hold. A quote routes it into the asset you asked for, so you never handle a conversion.

Settled, then credited

Nothing is credited until the payment is verified on chain and settled on the Useroutr protocol.

Exactly once

A funding intent produces one credit, enforced by the database. Retries and replayed events never pay you twice.

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Choose how you integrate

Hosted checkout

Redirect to a payment page Useroutr hosts. No frontend code.

Embedded checkout

Drop the React component into your app, with your logo and colour.

Custom checkout

Build your own screens on quotes and funding instructions.

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Built for developers

Node.js SDK

Typed resources, retries, pagination and webhook verification.

React checkout

A drop-in payment surface that follows the payment to completion.

Webhooks

Signed events for every step, delivered with retries.

API reference

Every endpoint, with SDK and cURL examples. Prefer HTTP? It is all there.
Useroutr is developer infrastructure. It is not a wallet, a bank or an exchange, and it holds no balances for you: settled value goes to your own account, and your Useroutr ledger records it.