Core Concepts
Pollar is multichain. An app enables the chains it wants under Chains, and every user gets one wallet per enabled chain from the same login. This page is the single place that says what works where.
Solana is fully supported for the product's core: sign-in, Pollar-managed and co-signed wallets, SOL and SPL token balances, sponsored transfers, history, and fiat ramps. Stellar additionally carries the on-chain DeFi features (swap, earn) and the Soroban policies. Polygon has wallets, balances, token sends and ramps settlement.
Legend: Yes = works today on that chain · n/a = the chain has no such concept · No = not available on that chain.
| Feature | Stellar | Solana | Polygon | Where |
|---|
| Social / email login creates a managed wallet | Yes | Yes | Yes | @pollar/core login(); one wallet per chain in getWallets() |
| Sign in with the user's own wallet | Yes (SEP-10: Freighter, Albedo, Stellar Wallets Kit) | Yes (Sign In With Solana: Phantom, Solflare, Backpack) | No | Wallet Adapters |
| Passkey smart wallets (C-address) | Yes | n/a | n/a | Smart Wallets |
| Co-signed wallets, Turnkey 2-of-2 (mainnet) | Yes | Yes | Yes | Co-signed Wallets |
| Wallet creation timing (at login / on demand / never) | Yes | Yes | Yes | Wallet settings |
| Wallet-less sessions (authentication only) | Yes | Yes | Yes | Wallet Creation |
| Starting balance for new wallets | Yes (XLM, Immediate / Deferred) | Yes (SOL above the rent-exempt floor) | No (gas top-up policy only) | Account Funding |
| Feature | Stellar | Solana | Polygon | Where |
|---|
| Native balance | XLM | SOL | POL | refreshBalance(), <WalletBalanceModal> |
| Token balances | Stellar assets | SPL tokens | ERC-20 | same |
| Per-app token catalog | Yes (code + issuer) | Yes (SPL mint) | Yes (contract) | Tokens & Trustlines |
| Holding a token needs an on-chain entry | Trustline (0.5 XLM reserve, sponsored) | Associated token account, created by Pollar when the user receives the token | n/a | Tokens & Trustlines |
| Testnet faucet hints in the balance modal | Friendbot | Devnet SOL + Circle USDC faucet | Amoy | <WalletBalanceModal> |
| Feature | Stellar | Solana | Polygon | Where |
|---|
sendPayment() from a managed wallet | Yes | Yes (SOL and SPL, one server call) | Yes | @pollar/core |
sendPayment() from the user's own wallet | Yes | Yes (build, sign in the wallet, submit) | No | same |
| Fee sponsorship on transfers | Fee bump, GAS wallet | GAS wallet is the fee payer | No (user pays POL) | Sponsorship |
| Recipient's token account created by the app | n/a (trustline) | Yes, idempotent, rent paid by the app | n/a | automatic |
<SendModal> / <ReceiveModal> | Yes | Yes | Yes | Payments UI |
| Memo | Yes | n/a | n/a | <SendModal> |
Low-level buildTx / signTx / submitTx (XDR) | Yes | n/a (use sendPayment) | n/a | @pollar/core |
| Transaction history, per-chain explorer links | Yes (stellar.expert) | Yes (explorer.solana.com) | Yes (polygonscan) | Transaction History |
| Monitor > Transactions in the dashboard | Yes | Yes (fee in lamports) | Yes | Transactions |
| Feature | Stellar | Solana | Polygon | Where |
|---|
| On/off-ramps | Yes | Yes (PagFinance settles on Solana; Stereum via Circle CCTP) | Yes (Stereum rail) | Ramp providers |
| KYC and requirement steps | Yes | Yes | Yes | chain-agnostic |
| Cards: holder, KYC, issue, reveal | Yes | Yes | Yes | chain-agnostic |
| Cards: fund the card from the wallet | Yes | No | No | Cards |
| Outbound webhooks for on-chain events | Yes | No | No | Webhooks |
A Solana-enabled app gets the whole wallet lifecycle without any Solana-specific code in the client:
- Login. Email, Google or GitHub gives the user a Pollar-managed Solana wallet at sign-in, with no seed phrase. A user who already has Phantom, Solflare or Backpack signs in with Sign In With Solana through
@pollar/solana-wallet-standard-adapter, the Solana counterpart of the Stellar Wallets Kit adapter.
- Custody. Managed keys live in Pollar's Solana wallet service, encrypted at rest. A mainnet app can switch new wallets to co-signed custody, where every signature is a 2-of-2 vote between the user's device and Pollar through Turnkey, and the device verifies the serialized transaction (including a Solana CCTP burn) before voting.
- Funding. Solana has no sponsored reserve, so the app's Solana GAS wallet sends each new wallet its starting SOL (0, or at least the platform floor that keeps the account above the rent-exempt minimum) and tops it up whenever it falls below the floor.
- Payments.
sendPayment({ chain: 'SOLANA', destination, amount, mint? }) sends SOL or any SPL token. Amounts are integer base units (lamports, or the mint's smallest unit). When the token is marked sponsor transfers, the GAS wallet is the fee payer and the recipient's associated token account is created in the same transaction.
- History. Every Solana transaction lands in the same history as Stellar ones, with its own reconcile job and explorer link; the dashboard's Monitor shows the fee in lamports.
- Ramps. PagFinance (Brazil, BRL via Pix) is paid in USDC on Solana. Stereum (Bolivia, BOB) settles on Polygon and is bridged with Circle CCTP; the bridge mints to Solana when the app serves Solana and not Stellar.
- Networks. A testnet app uses devnet; a mainnet app uses mainnet-beta. The cluster follows the app's network, never a request parameter.
Two Solana facts the client has to respect:
- Sending an SPL token the sender does not hold yet fails with
TX_NO_TRUSTLINE, the same code Stellar uses for a missing trustline. The sender must have received the token first.
- Sign In With Solana needs a wallet with the native
solana:signIn feature. Phantom, Solflare and Backpack have it.
| Feature | Reason |
|---|
| Swap and Earn | The venues (SDEX, Soroswap, Aquarius, DeFindex, Blend) are Stellar and Soroban protocols. The modals hide themselves on a Solana-only app. |
| Trustlines, account merge, Soroban auth entries | Stellar protocol concepts with no Solana equivalent. |
| Passkey smart wallets | Built on Stellar C-addresses. |
| Card funding | The card balance is funded from the user's Stellar wallet. |
| Outbound webhooks | Driven by the Stellar watcher. |
| Package | Stellar | Solana | Polygon |
|---|
@pollar/core | Yes | Yes | Yes |
@pollar/react | Yes | Yes | Yes |
@pollar/react-native | Yes | Yes (sendPayment, balances; no external-wallet adapter) | Yes |
@pollar/solana-wallet-standard-adapter | - | Yes (web) | - |
@pollar/stellar-wallets-kit-adapter | Yes | - | - |
@pollar/privy-adapter, @pollar/privy-server-adapter | Yes | No | No |
@pollar/accesly-adapter | Yes | - | - |
