Funding Mode
Dashboard → Wallets → Account Funding (Stellar tab) · Chains: Stellar
Controls when new user wallets are funded with their XLM reserve. Switch modes at any time without code changes — the new mode applies to all wallets created after the switch.
Whether a user gets a wallet at login at all is set by Wallet Creation, on the same page.
Modes
| Mode | Cost | Activation trigger | Best for |
|---|---|---|---|
| Immediate | ~2 XLM per registration | Automatic on login | Apps without compliance requirements |
| Deferred | ~2 XLM per activation only | Webhook from your backend | Neobanks, remittance apps, KYC-gated products |
In both modes, any individual wallet can also be funded manually from Dashboard → Wallets → Wallets using the Fund 2 XLM action. This is useful as a fallback or for support workflows.
Immediate
The wallet is funded atomically at the moment the user logs in. Ready in under 3 seconds. No additional setup required.
Deferred
The G-address is created on-chain at registration but without an XLM reserve. Funding happens when your backend calls POST /v3/wallets/fund after a business event occurs (KYC approved, first deposit, etc.). See Deferred Flow Guide for the full setup.