Stellar Earn

The Stellar Earn API enables integration with DeFindex vault for yield-earning functionality. Users can deposit funds to receive yield-bearing dTokens, or withdraw dTokens to receive USDC on any supported chain.

Overview

Two intents are available:

Intent	Description	Source	Destination
stellar_earn_deposit	Deposit from any chain, receive dTokens on Stellar (stellar_earn_deposit_contracts)	Any chain, any token	Stellar, DTOKEN
stellar_earn_withdraw	Pay with dTokens on Stellar, receive USDC on any chain	Stellar, DTOKEN	Any chain, USDC

DeFindex Vault

• Vault Address: CBNKCU3HGFKHFOF7JTGXQCNKE3G3DXS5RDBQUKQMIIECYKXPIOUGB2S3

• dToken: Vault share token (7 decimals)

• Underlying Asset: USDC

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stellar_earn_deposit

Deposit from any chain and receive dTokens on Stellar.

Flow

1. User creates payment with intent: "stellar_earn_deposit"
2. User sends USDC/USDT from any chain (Base, Solana, Stellar, etc.)
3. System detects payin
4. System deposits USDC to DeFindex vault
5. System transfers dTokens to user's Stellar address

Request

curl -X POST https://intentapiv4.rozo.ai/functions/v1/payment-api/payments \
  -H "Content-Type: application/json" \
  -d '{
    "appId": "your-app-id",
    "orderId": "order-123",
    "type": "anyAmount",
    "intent": "stellar_earn_deposit",
    "display": {
      "title": "Deposit to Earn",
      "currency": "USD"
    },
    "source": {
      "chainId": "8453",
      "tokenSymbol": "USDC"
    },
    "destination": {
      "chainId": "1500",
      "receiverAddress": "GXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX",
      "tokenSymbol": "DTOKEN"
    }
  }'

Parameters

Field	Required	Description
intent	Yes	Must be "stellar_earn_deposit"
source.chainId	Yes	Any supported chain
source.tokenSymbol	Yes	Any supported token (USDC, USDT, etc.)
source.amount	Yes	Amount to deposit
destination.chainId	Yes	Must be "1500" (Stellar)
destination.receiverAddress	Yes	Stellar address (G or C)
destination.tokenSymbol	Yes	Must be "DTOKEN"

Fee Structure

• Standard fee applies (0.1% or minimum fee)

• Fee is deducted before vault deposit

• Example: 100 USDC in → 0.10 fee → 99.90 USDC deposited → ~99.90 dTokens out

---

stellar_earn_withdraw

Pay with dTokens on Stellar and receive USDC on any chain.

Flow

1. User creates payment with intent: "stellar_earn_withdraw"
2. User sends dTokens to the provided Stellar address
3. System detects dToken balance
4. System converts dToken to USDC equivalent
5. System applies fee and pays out USDC to destination

Request

curl -X POST https://intentapiv4.rozo.ai/functions/v1/payment-api/payments \
  -H "Content-Type: application/json" \
  -d '{
    "appId": "your-app-id",
    "orderId": "order-456",
    "type": "anyAmount",
    "intent": "stellar_earn_withdraw",
    "display": {
      "title": "Withdraw from Earn",
      "currency": "USD"
    },
    "source": {
      "chainId": "1500",
      "tokenSymbol": "DTOKEN"
    },
    "destination": {
      "chainId": "8453",
      "receiverAddress": "0x1234567890abcdef1234567890abcdef12345678",
      "tokenSymbol": "USDC"
    }
  }'

Parameters

Field	Required	Description
intent	Yes	Must be "stellar_earn_withdraw"
type	Yes	Must be "anyAmount"
source.chainId	Yes	Must be "1500" (Stellar)
source.tokenSymbol	Yes	Must be "DTOKEN"
destination.chainId	Yes	Any supported chain
destination.receiverAddress	Yes	Address to receive USDC
destination.tokenSymbol	Yes	Typically "USDC"

Response

The response includes a Stellar contract address (C...) to send dTokens to:

{
  "success": true,
  "data": {
    "id": "payment-uuid",
    "status": "payment_unpaid",
    "source": {
      "chainId": "1500",
      "tokenSymbol": "DTOKEN",
      "receiverAddress": "CXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX"
    },
    "destination": {
      "chainId": "8453",
      "tokenSymbol": "USDC",
      "receiverAddress": "0x1234..."
    }
  }
}

Fee Structure

• dToken balance is converted to USDC value via DeFindex API

• Standard fee (0.1%) applied to USDC equivalent

• Payout = USDC value - fee

• Example: 100 dTokens (~100 USDC) → 0.10 fee → 99.90 USDC payout

dToken → USDC Conversion

The conversion rate is determined by the vault's current share price:

USDC value = dToken amount × (vault underlying balance / total dToken supply)

The rate at payout time is used for conversion.

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Supported Chains

Source Chains (stellar_earn_deposit)

Chain	Chain ID
Stellar	1500
Base	8453
Polygon	137
Solana	900
Ethereum	1
BNB Chain	56
Arbitrum	42161

Destination Chains (stellar_earn_withdraw)

Same as source chains above.

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Error Codes

Code	Description
invalidRequest	Invalid intent or chain/token combination
insufficientLiquidity	Not enough liquidity for payout
amountTooLow	Amount below minimum threshold
amountTooHigh	Amount above maximum threshold

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Notes

1. dToken Detection: For stellar_earn_withdraw, the system monitors dToken balances on Stellar addresses using the DeFindex vault contract.

2. Contract Address: stellar_earn_withdraw uses Stellar contract addresses (C...) for receiving dTokens, similar to stellar_payin_contracts.

3. Exchange Rate: The dToken → USDC rate fluctuates based on vault performance and yield accrual.