# Cosmos Pay | Stablecoin payments API and wallet for LATAM

URL: https://cosmospay.lat/

> Accept USDC and other stablecoins on Stellar, Solana and Monad with a payments API, a hosted checkout and a non-custodial wallet, made for Latin America.

## Stablecoin payments and a wallet for Latin America.

Your digital world, in one wallet.

Cosmos Pay is a stablecoin payments API, a hosted checkout and a non-custodial wallet on Stellar, Solana and Monad. Get the wallet for Chrome, the web or Android.

- **[Install on Chrome](https://chromewebstore.google.com/detail/jibiahkbhhmddnahglhffkejcfhalbgj)**: Official extension on the Chrome Web Store.
- **[Try it in your browser](https://cosmospay.lat/wallet/)**: Open the web app now, nothing to install.
- **[Download for Android](https://github.com/CosmosPay/CosmosPay-Wallet/releases/download/v1.8.0/cosmos-pay-1.8.0.apk) (22 MB)**: Signed APK. Allow "Install unknown apps" for your browser, then open the file and install.

Other platforms (Version v1.8.0):

- **[Firefox](https://github.com/CosmosPay/CosmosPay-Wallet/releases/download/v1.8.0/cosmos-pay-firefox-v1.8.0.zip) (0,8 MB)**: Unsigned build. Go to about:debugging, pick "This Firefox", then "Load Temporary Add-on" and choose the manifest.json inside the zip.
- **[Windows](https://github.com/CosmosPay/CosmosPay-Wallet/releases/download/v1.8.0/cosmos-pay-v1.8.0-windows-x86_64-setup.exe) (2 MB)**: SmartScreen warns the first time: click "More info", then "Run anyway".
- **[macOS (Apple Silicon)](https://github.com/CosmosPay/CosmosPay-Wallet/releases/download/v1.8.0/cosmos-pay-v1.8.0-macos-arm64.dmg) (2,4 MB)**: Gatekeeper blocks it the first time: right-click the app and choose "Open".
- **[Linux](https://github.com/CosmosPay/CosmosPay-Wallet/releases/download/v1.8.0/cosmos-pay-v1.8.0-linux-x86_64.AppImage) (75 MB)**: AppImage: run chmod +x on it first. Needs glibc 2.39 or newer.; [.deb](https://github.com/CosmosPay/CosmosPay-Wallet/releases/download/v1.8.0/cosmos-pay-v1.8.0-linux-x86_64.deb) (2,9 MB), [.rpm](https://github.com/CosmosPay/CosmosPay-Wallet/releases/download/v1.8.0/cosmos-pay-v1.8.0-linux-x86_64.rpm) (2,9 MB)
- There is no iOS build yet.

### Write less code move more money

Your digital world, in motion.

One API key for payment links, a hosted checkout, swaps and signed webhooks on Stellar, Solana and Monad. Build on testnet with no real money and go live when you’re ready.

- [Get API keys](https://dev.cosmospay.lat/login?next=%2Fdashboard)
- `npm i @cosmosapp/pay_sdk`

### Want Cosmos Pay Wallet inside your startup?

One command and one link. Your coding assistant does the rest.

#### Install the SDK

JavaScript and TypeScript, for the server and for the browser. One package, two entry points.

```bash
npm i @cosmosapp/pay_sdk
```

#### Hand the docs to your assistant

Claude Code, Codex and Cursor read the plain-text index and know how to use the SDK straight away.

- [Open llms.txt](https://dev.cosmospay.lat/docs/llms.txt)
- [Read the docs](https://dev.cosmospay.lat/docs/)

### One API for payments and swaps.

Payment intents, payment links, swaps and webhooks behind one API key, documented with OpenAPI.

#### Payments

Create payment intents and payment links on Stellar, Solana and Monad. Customers pay from their own wallet, and the money reaches an address you control.

[Payment intents API](https://dev.cosmospay.lat/docs/api/payment-intents/)

#### Stablecoins

Charge in USDC, EURC, the network’s own coin or any other token, named by its issuer, mint or contract.

[Assets API](https://dev.cosmospay.lat/docs/api/assets/)

#### Swaps

Quote and run swaps on the Stellar DEX, Jupiter and Kuru, or between 35 networks through NEAR Intents.

[Swaps API](https://dev.cosmospay.lat/docs/api/swaps/)

#### Public documentation

Guides, an OpenAPI reference and a typed JavaScript and TypeScript SDK for the server and the browser.

```ts
import { Client } from '@cosmosapp/pay_sdk';

// Bring only your API key: the gateway is pre-configured.
const client = new Client({ apiKey: process.env.COSMOS_PAY_API_KEY });

// Create a Stellar SEP-7 payment intent
const intent = await client.paymentIntents.createPay({
  destination: 'GA3K7X9PLQ...',
  amount: '250.00',
  assetCode: 'USDC',
});

console.log(intent.uri); // web+stellar:pay?destination=...
```

- [Node.js / TypeScript SDK](https://dev.cosmospay.lat/docs/sdk/server/overview/)
- [Browser / Web SDK](https://dev.cosmospay.lat/docs/sdk/web/web-client/)
- [Explore all documentation](https://dev.cosmospay.lat/docs/)

### Start with a link, grow into the API.

Every path ends in the same checkout, dashboard and webhooks, so you can charge without code today and add the API later.

- 4 checkout designs
- 7 checkout languages
- 1 script tag to embed the checkout
- 2 key sets: test and live

#### No-code

Create payment links in the dashboard and share them by chat, email or QR code. No engineering required.

[Create a payment link](https://dev.cosmospay.lat/dashboard)

#### Prebuilt UI

Add a pay button or an embedded checkout with one script tag, or send customers to the hosted checkout.

[Read the embed guide](https://dev.cosmospay.lat/docs/embed/)

#### Build your own

Use the REST API, documented with OpenAPI, and the TypeScript SDK to build your own payment flow on Stellar, Solana and Monad.

[Read the docs](https://dev.cosmospay.lat/docs/)

### What you can build on it.

Take payments, settle in stablecoins, get paid by clients abroad, swap between networks and let customers pay from the wallet they already use.

#### Accept multi-chain payments

Get paid on Stellar, Solana or Monad from the customer’s own wallet, at an address you control.

Accept payments from anyone with a Stellar, Solana or Monad wallet. A payment counts once the network confirms it (about 5 seconds on Stellar), it cannot be charged back, and it reaches your address instead of a balance you have to ask for.

- SEP-7, Solana Pay and EIP-681 payment links
- About 5 seconds to settle on Stellar
- No chargebacks on a confirmed payment
- A signed webhook for every payment

#### Stablecoin settlement

Charge in USDC, EURC or any token on Stellar, Solana and Monad, and receive that same asset.

Price each payment in USDC, EURC, the network’s own coin or any other token, named by its issuer, mint or contract. The customer pays in that asset and you receive it at your address. Every payment keeps its transaction hash, and the dashboard shows your balances by asset and the settled volume in USD.

- USDC, EURC or any token you name
- A transaction hash for every payment
- Balances by asset in the dashboard
- Settled volume in USD

#### Cross-border money

Get paid by clients abroad with the same link and the same rate in every country, without wires or banking hours.

Send one payment link to a client in another country. They pay from any wallet, and on Stellar the money is at your address about 5 seconds after they approve it, with no correspondent banks and no payout schedule.

- The same link and rate in every country
- No correspondent banks
- Every day, around the clock
- About 5 seconds on Stellar

#### Swaps across networks

Swap tokens across 35 networks, with or without an account.

Swap on the Stellar DEX, on Jupiter (Solana) and Kuru (Monad), or between 35 networks through NEAR Intents, and send USDT0 out of Stellar through LayerZero. A swap on one network is one transaction the person signs; a swap between networks waits at a NEAR Intents deposit address until NEAR Intents settles or refunds it. Cosmos Pay never holds the funds. The public swap page and its API need no account.

- Stellar DEX, Jupiter and Kuru
- 35 networks through NEAR Intents
- USDT0 out of Stellar through LayerZero
- A public swap API with no account

#### Pay from any wallet

Customers pay from Cosmos Pay Wallet or any wallet that opens SEP-7, Solana Pay or EIP-681 links.

Nobody needs an account to pay you. The checkout opens the customer’s own wallet through each network’s payment-link standard, and Cosmos Pay never asks for a key: the customer approves in their wallet and you receive at your address.

- Freighter, xBull, LOBSTR and more on Stellar
- Phantom and Solflare on Solana
- Any EVM wallet on Monad
- Cosmos Pay Wallet for Chrome, the web and Android

### Simple. Secure. Limitless.

#### What is Cosmos Pay?

Cosmos Pay is a stablecoin payments platform for businesses in Latin America. Merchants take payments on Stellar, Solana and Monad through payment links, a hosted checkout or an API, and the money reaches an address they control. It also offers swaps across networks and a non-custodial wallet.

- 3 networks to get paid on: Stellar, Solana and Monad
- 35 networks to swap between
- 1.5% + 18¢ per payment on Starter, with no monthly fee
- ~5s to settle a payment on Stellar

### How businesses use it.

Three common ways to take stablecoins with Cosmos Pay, and the parts of the product each one uses.

#### Online stores

Stablecoins next to your other payment methods, with one payment intent per order.

The store’s server creates a payment intent for each order and sends the customer to the hosted checkout, or opens it from a pay button. The customer pays from their own wallet, and a signed webhook marks the order paid. With protected payments, the funds wait in a smart contract until the order is delivered.

Payments API, Webhooks, Hosted checkout

#### Services across borders

Get paid by clients in other countries in USDC or EURC with a payment link, without wires or banking hours.

Each job gets its own payment link, sent by email or chat, with the reference in the payment’s message. The client pays from any wallet in their country, and on Stellar the money is at your address about 5 seconds later.

Payment links, Dashboard

#### Digital products

Sell courses, licences and downloads, and deliver the moment the payment is confirmed.

The webhook that confirms the payment triggers the delivery. With test keys the whole flow runs on testnet first, with no real money, and a confirmed payment cannot be charged back after the download.

Payments API, Webhooks, Testnet

### Guides and references.

The documentation is public: read how it works before you create an account.

- **[Getting started](https://dev.cosmospay.lat/docs/getting-started/) (Guide)**: What Cosmos Pay is, how a payment flows and the two ways to integrate.
- **[Embed a pay button or checkout](https://dev.cosmospay.lat/docs/embed/) (Guide)**: Take a payment on your own site with one script tag: a button that opens the hosted checkout, or a checkout inside your page.
- **[Webhooks in the SDK](https://dev.cosmospay.lat/docs/sdk/server/webhooks/) (Reference)**: Register endpoints, receive events and verify their HMAC-SHA256 signatures.
- **[Get your API key](https://dev.cosmospay.lat/docs/api-keys/) (Guide)**: Test and live keys, the scopes each one carries and how to create them in the dashboard.

### Selling, not just building?

Cosmos is the marketplace side of the same ecosystem. Merchants list what they sell there and get paid through the very infrastructure you are integrating here. Same universe, other side of the counter.

[Discover Cosmos](https://cosmosapp.lat)

### Start building today.

A new way to move your digital world.

Create an account, build on testnet with no real money and go live on Stellar, Solana and Monad when you’re ready.

- [Get API keys](https://dev.cosmospay.lat/login?next=%2Fdashboard)
- **[See what you’ll pay](https://cosmospay.lat/pricing)**: A rate per payment, with no monthly fee on Starter.
- **[Start building](https://cosmospay.lat/#api)**: Create your API keys and make your first payment on testnet.

Thanks for trusting us.