Stop losing remote earnings
to legacy bank markups.
Route USD wires into instant local payouts. Automatically route your salary onto Stellar USDC, and off-ramp instantly to local channels for near-zero fee leakage.
Why remote teams are switching
Traditional wire transfers and platforms like PayPal eat up to 5% of cross-border salary values in hidden exchange rates and intermediary bank processing costs.
You lose significant monthly earnings to banking margin layers. Harbor bypasses legacy institutions entirely.
How Harbor Works
Select a step below to reveal the transfer pipeline routing sequence.
Payment Detected
Your client initiates a standard domestic wire or ACH transfer to your Harbor virtual bank account coordinates. The gateway immediately flags the incoming transfer event.
Trusted by Remote Professionals
"Before Harbor, I was losing close to $150 a month to bank conversion spreads. Now my clients pay me via simple wire and the funds arrive in my local wallet within minutes."
"The ability to automatically split my salary—saving 25% in USDC while off-ramping the rest to my local bank—is amazing. Truly borderless banking."
Transparent Pricing
We only make money when you save money. Compare our rates.
| Service Provider | Service Fee | Exchange Markup | Total Cost ($1k payout) |
|---|---|---|---|
| Legacy Wire Transfers | $35.00 | 2.5% avg | $60.00 |
| PayPal / Payoneer | $2.00 | 3.5% - 4.5% | $42.00 |
| Harbor (Stellar) | 0.15% | 0.00% | $1.50 |
Technical Specification
Explore our on-chain architecture, Soroban contracts, and security mitigations.
Abstract
Harbor is a Web3 payment infrastructure built on Stellar/Soroban that lets companies pay contractors across borders instantly, cheaply, and transparently.
It targets high-friction corridors — Philippines, Indonesia, Vietnam, and Nigeria — where existing rails (banks, legacy remittance apps, informal agents) impose slow settlement times, high fees, and poor visibility into transaction status. Harbor replaces this with a settlement layer built on Stellar's fast, low-cost network, giving employers and contractors a neobank-like experience without the correspondent-banking overhead.
Routed through Stellar liquidity pools directly — no correspondent bank spread, no intermediary markup.