Hey Stellar community! 👋
I'm excited to share XPay Wallet — a full-featured Stellar wallet
that runs entirely inside Telegram. No app downloads, no signups,
just /start and go.
🤖 Bot: @XPayWalletBot (on Telegram)
🌐 Website: https://xpaywalletbot.com
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WHAT IS XPAY WALLET?
XPay Wallet is a custodial Stellar wallet bot on Telegram that lets
users manage XLM and Stellar tokens directly from their chat.
It's designed for communities — with tipping, rain, and group
features built in.
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KEY FEATURES
⚡ Instant Internal Transfers
Send tokens to any bot user instantly with zero fees. Internal
transfers are off-chain — no network fees, no waiting.
🔄 DEX Swap
Swap tokens directly on the Stellar DEX with real-time quotes.
Best available path payment with slippage protection.
🎁 Tip & Rain
Tip friends in group chats by replying to their message. Rain
distributes tokens to all active members in a group — great for
community engagement.
📥📤 Deposit & Withdraw
Deposit via unique memo (auto-detected in 5 seconds). Withdraw
to any Stellar address with exchange memo detection and warnings.
Auto-fund new accounts via createAccount operation.
📊 Price Tracking & Alerts
Real-time prices from CoinGecko. Set custom price alerts
(above/below targets) and get notified instantly.
🔐 Security
- AES-256-GCM encrypted secret key with split-shard storage
- Optional 2FA PIN for withdrawals (auto-delete PIN messages)
- Hourly on-chain vs internal balance reconciliation
- Rate limiting and account freeze capability
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SUPPORTED TOKENS
Currently supporting: XLM, USDC, AQUA, EURC, XRP, yXLM
Admins can add any Stellar token via /addtoken command —
auto-fetches domain, creates trustline.
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PREMIUM TIER
Optional premium subscription (20 XLM/month or 2 USDC/month):
- 20 price alerts (vs 5 free)
- 20 withdrawals/day (vs 5)
- 50% withdraw fee discount
- ⭐ badge in group chats
- Unlimited history & export
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FOR COMMUNITIES
XPay Wallet is built for Telegram groups:
- /tip — reply to someone's message to tip them
- /rain — distribute tokens to active group members
- /leaderboard — top tippers this week/month
- Private commands auto-redirect to DM (protects user info)
- Premium badge visibility in groups
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TECH DETAILS
- Node.js + PostgreSQL
- Single hot wallet with internal ledger (off-chain model)
- Atomic database transactions with row-level locking
- Stellar Horizon API for on-chain operations
- Path payment strict send for DEX swaps
- Deposit stream listener with auto-reconnect
- PM2 process management with auto-restart
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LINKS
🤖 Bot: https://t.me/XPayWalletBot
🌐 Website: https://xpaywalletbot.com
💬 Support: https://t.me/XPayWalletSupport
📢 Channel: https://t.me/XPayWalletBotOfficial
🐦 Twitter: https://x.com/XPayWalletBot
📧 Email: admin@xpaywalletbot.com
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ROADMAP
🔜 Coming soon:
- Community Vote-to-List: propose and vote for new tokens
- Stellar Community Fund proposal
- Multi-language support
- Webhook mode for better performance
- Group analytics dashboard
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We'd love your feedback! Try the bot, join the support group,
and let us know what you think.
If you're running a Stellar community on Telegram, XPay Wallet
can add tipping and rain features to engage your members.
Thanks for reading! 🚀
