Funding Modes

Every Stellar account needs a minimum XLM reserve to exist on-chain. Pollar gives you two modes to control when that reserve is funded, so you only pay for users who matter to your app.

Configure the funding mode from Dashboard > Wallets > Account Funding (Stellar tab). No code changes required.

Funding applies once a wallet exists. When the wallet is created (at login, on demand or never) is a separate setting: see Wallet Creation.

The two modes

A co-signed or self-custody wallet (every new wallet on mainnet) has its account created by a request the user approves. In Immediate mode Pollar opens it after login; in Deferred mode POST /v3/wallets/fund opens it (202 with the request id) and the user approves it in their next session. A Pollar-managed wallet is funded by that call directly.

How the reserve is covered: every Stellar account needs a base reserve of 1 XLM, and each trustline (asset) you configure in the dashboard adds 0.5 XLM. Pollar sponsors these reserves (CAP-33): the XLM stays locked in the sponsor's account while it sponsors the user wallet; it is not transferred to the user. The sponsor is your app's funding wallet, or Pollar's pool on an app on credits, which charges the reserve in credits.

1 XLM + (number of configured assets x 0.5 XLM) locked per funded wallet

Assets configured	Reserve required
0	1 XLM
1 (e.g. USDC)	1.5 XLM
2 (e.g. USDC + EURC)	2 XLM
3	2.5 XLM

On top of the locked reserve, the starting balance configured in Dashboard > Wallets > Account Funding (if any) is transferred to each new wallet as spendable XLM. Solana and Polygon have their own starting balances (SOL and POL) on the same page.

References: Minimum Balance, Trustlines

Immediate

Pollar creates the account after the user logs in. The login returns right away with the wallet in provisioning: 'CREATING'; once the account lands on-chain (a few seconds) the SDK clears it. Until then a send answers SDK_WALLET_NOT_READY. On a co-signed or self-custody wallet the account creation is a request the user approves first.

Cost: the sponsored reserve is locked for every registration, including users who abandon onboarding, plus the configured starting balance, if any.

const { login, wallet } = usePollar();
await login({ provider: 'google' });
// wallet.provisioning === 'CREATING' until the account exists on-chain

Deferred

The user gets a Stellar address at registration, but Pollar does not create the account on-chain. The wallet cannot transact until it is activated.

Cost: the reserve is only locked for users you fund. Zero cost for users who abandon.

This mode solves a problem specific to Stellar: every account needs a minimum XLM reserve to exist on-chain. Without deferred funding, an app with 10,000 users who abandon onboarding locks 10,000+ XLM for nothing.

Funding from your backend

Your backend calls POST /v3/wallets/fund when a business event occurs: KYC approved, first deposit, email verified, or any trigger you define.

POST https://server.api.pollar.xyz/v3/wallets/fund
x-pollar-api-key: sec_testnet_xxxxxxxxxxxxxxxxxxxx
Content-Type: application/json

{
  "publicKey": "GXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX"
}

Never call this endpoint from the client. It requires your secret key and must run on your backend. See the Server API reference for every response code.

The answers you plan for:

Funding manually from the Dashboard

A not-yet-funded Pollar-managed wallet can be funded from Dashboard > Wallets > Wallets with the Fund action: the same sponsored funding as login. This works in both modes and is useful for support workflows or one-off overrides.

Checking whether a wallet is funded

The funded state is on-chain. From an authenticated session, read the wallet's balances: an unfunded wallet has no XLM reserve yet.

const { walletBalance, refreshWalletBalance } = usePollar();

await refreshWalletBalance();
if (walletBalance.step === 'loaded') {
  // inspect walletBalance.data.balances to see if the reserve / assets are present
}

Switching modes

You can switch funding modes at any time from the dashboard without changing any code. The new mode applies to wallets created after the switch. Existing wallets are not affected.

Cost comparison

For an app with 10,000 registered users where 30% complete activation: