Oracles on Stellar

Two oracle contracts bring outside data on chain. Neither accepts a value from a single submitter.

Pool oracle: settlement rates

Rule	Value
Operators	A registered set (2 on testnet); independent operators are planned
Round	One per protection contract, opened after its end time
Agreement	At least 2 fresh submissions within 1% of each other; the agreed rate is their average
Freshness	A submission older than 15 minutes no longer counts
Cooldown	5 minutes between one operator's submissions
After agreement	The rate is final and the contract can be settled by anyone

The currency pool checks these rules on the oracle before every settlement.

Rule	Value
Benchmarks	SOFR, EFFR, €STR, Bank of England rate, and Ghanaian, Kenyan and Nigerian policy and interbank rates
Fixing	One per benchmark and day, formed when the quorum submits exactly the same value
Units	Millionths of a percent (3.87% = 3,870,000)
Index	A compounded index per benchmark, like the SOFR Index, used to settle interest-rate protection
Finality	Once formed, a fixing never changes

The rate oracle is public: any Stellar contract can read a fixing or an index.