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Non-custodial Stellar wallet: send, receive and swap XLM & assets. Your keys are encrypted on-device and never leave it. Cosmos Pay is a non-custodial wallet for the Stellar network. Your keys are generated and encrypted on your device — the recovery phrase and secret key never leave it, and servers only ever receive transactions that were signed locally. FEATURES • Create a wallet with a 12-word recovery phrase (BIP-39 + SEP-5 derivation, compatible with other Stellar wallets), or import from a phrase or secret key. • Balances, send & receive XLM and Stellar assets, with a scannable QR for your address. • Swap assets with automatic quotes and slippage protection. • Fiat deposits and withdrawals via a KYC-verified account (adults 18+ only). • Activity history, market prices, and favorite assets pinned to the top. • Multiple wallets under a single password, 5 languages (EN/ES/PT/DE/FR), light & dark themes. • Use it as a toolbar popup or pin it to the side panel — your preference is remembered. • Dapp integration: websites can request your public address, transaction signatures and SEP-7 payments through the injected provider (window.cosmosWallet). Every request opens an approval window where YOU review and confirm — nothing is signed without your password. • Type "pay" in the address bar followed by a web+stellar: link to pay directly. SECURITY Your recovery phrase and secret key are sealed with AES-256-GCM, using a key derived from your password via PBKDF2 (210,000 iterations). Unlocking decrypts them in memory only. A forgotten password can only be resolved by restoring the wallet from its recovery phrase. NETWORKS Stellar Testnet (free test XLM via Friendbot) and Mainnet, plus custom networks with your own Horizon server. Cosmos Pay is open infrastructure for payments on Stellar. Always keep your recovery phrase safe and offline.