> For the complete documentation index, see [llms.txt](https://docs.coridor.fun/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.coridor.fun/overview/how-coridor-works.md).

# How Coridor works

Coridor follows the standard **Stellar anchor** pattern: authenticate, start a SEP-24 transaction, complete fiat steps in an interactive widget, then settle USDC on-chain.

## High-level flow

```mermaid
flowchart LR
  subgraph User
    W[Stellar wallet]
  end

  subgraph Coridor
    SEP[sep.coridor.fun\nSEP-10 / SEP-24]
    UI[api.coridor.fun\nInteractive widget]
    SRV[coridor-server\nRates · Xendit · Observer]
  end

  subgraph External
    X[Xendit\nVA · QRIS · OVO · Payout]
    H[Horizon\nOn-chain USDC]
  end

  W -->|SEP-10 auth| SEP
  W -->|SEP-24 deposit/withdraw| SEP
  SEP -->|interactive URL| UI
  UI -->|IDR pay or bank details| X
  X -->|webhook| SRV
  SRV -->|update transaction| SEP
  W -->|USDC payment withdraw| H
  H -->|detect payment| SRV
  SRV -->|send USDC deposit| H
  SRV -->|IDR payout withdraw| X
```

## Deposit (on-ramp): IDR → USDC

{% stepper %}
{% step %}

### Authenticate with SEP-10

User authenticates with **SEP-10** against `sep.coridor.fun`.
{% endstep %}

{% step %}

### Start a SEP-24 deposit

Wallet starts **SEP-24 deposit** and receives an interactive URL plus a transaction id.
{% endstep %}

{% step %}

### Enter payment details in the widget

User opens the widget, enters an IDR amount, and picks **VA**, **QRIS**, or **OVO**.
{% endstep %}

{% step %}

### Pay or simulate

User pays, or chooses **Simulate** in sandbox.
{% endstep %}

{% step %}

### Payment is confirmed

Xendit webhook confirms payment, and coridor-server notifies Anchor Platform.
{% endstep %}

{% step %}

### USDC is delivered

Anchor sends **USDC to the user's Stellar account**.

The wallet does **not** send USDC for deposit — Coridor delivers it after IDR is confirmed.
{% endstep %}
{% endstepper %}

## Withdraw (off-ramp): USDC → IDR

{% stepper %}
{% step %}

### Authenticate and start a withdraw

**SEP-10** is followed by **SEP-24 withdraw**, which opens the interactive widget.
{% endstep %}

{% step %}

### Enter bank details

User enters **bank account** details: bank name, account number, and holder name.
{% endstep %}

{% step %}

### Transaction waits for user transfer

Status becomes **`pending_user_transfer_start`**.
{% endstep %}

{% step %}

### Send USDC on-chain

Wallet sends **USDC** to Coridor's distribution account with the required **memo**.
{% endstep %}

{% step %}

### Payment is detected and payout is triggered

On-chain observer detects payment, and coridor-server triggers **Xendit bank payout**.
{% endstep %}

{% step %}

### IDR arrives and transaction completes

IDR arrives in the user's bank account, and the SEP-24 status becomes **`completed`**.
{% endstep %}
{% endstepper %}

## Rates and fees

* Market **USDC/IDR** from CoinGecko
* Default: **Rp 5,000** flat + **\~0.5%** spread
* Exposed via **SEP-38** and public `GET /rate` on `api.coridor.fun`

Use **Rp 50,000+** for deposits so the flat fee does not dominate small amounts.

## What happens in the widget

| Flow     | User does in widget                          |
| -------- | -------------------------------------------- |
| Deposit  | Amount IDR + payment method + pay / simulate |
| Withdraw | Bank details + confirm                       |

KYC (SEP-12) is simplified on staging (auto-accept). Production follows anchor policy.

## For developers

Integration is step-by-step in the [Developers](/developers/wallet-integration.md) section:

1. [Authenticate (SEP-10)](/developers/authenticate-sep-10.md)
2. [Initiate transaction (SEP-24)](/developers/initiate-transaction-sep-24.md)
3. [Poll status](/developers/poll-transaction-status.md)
4. [Send/receive USDC on-chain](/developers/send-receive-usdc.md) (withdraw)

## Related

* [What is Coridor?](/overview/what-is-coridor.md)
* [Architecture](/overview/architecture.md)
* [Deposit guide](/user/deposit.md) · [Withdraw guide](/user/withdraw.md)


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