Funding Modes

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

Configure the funding mode from Dashboard → Treasury → Funding Mode. No code changes required.

The two modes

In both modes, any individual wallet can also be funded manually from Dashboard → Users → Wallets (Fund). This is useful as a fallback or for support workflows.

How the reserve is covered: Every Stellar account requires 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 your funding wallet while it sponsors the user wallet — it is not transferred to the user:

1 XLM + (number of configured assets × 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

Pollar does not charge extra. On top of the locked reserve, the starting balance configured in Dashboard → Treasury → Account Funding (if any) is transferred to each new wallet as spendable XLM.

References: Minimum Balance · Trustlines

Immediate

The wallet is funded atomically at the moment the user logs in. Ready in under 3 seconds. No additional setup required.

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

const { login, isAuthenticated } = usePollar();
await login({ provider: 'google' });
// once isAuthenticated is true, the wallet is funded and ready immediately

Deferred

The G-address is created on-chain at registration but without an XLM reserve. The wallet exists but 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 unique 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 via webhook

Your backend calls POST /v1/wallets/fund when a business event occurs — KYC approved, first deposit, email verified, or any trigger you define.

POST https://server.api.pollar.xyz/v1/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.

Response codes:

Funding manually from the Dashboard

Any not-yet-funded wallet can be funded from Dashboard → Users → Wallets with the Fund action — the same sponsored funding as login. This works in both Immediate and Deferred mode and is useful for support workflows or one-off overrides.

Checking whether a wallet is funded

The funded state is reflected on-chain. From an authenticated session you can 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 all wallets created after the switch. Existing wallets are not affected.

Cost comparison

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

The Dashboard shows a real-time cost breakdown per mode so you can optimize as your app grows.