Business accounts
Status: Live · Stellar testnet: 4 November 2026
A business can now hold its money and protection in its own account, run by a team, instead of in one person's wallet.
Changes
| Change | Detail |
|---|---|
| Business accounts | Each business gets one shared Stellar smart account, built on OpenZeppelin stellar-accounts 0.8.0. BlockFinaX creates it when the business is set up and pays the fee. See Business accounts. |
| Team roles | Admins manage members and move money. Operators buy protection and add liquidity. Viewers can see everything but approve nothing. The account's rules enforce each role on chain, not only in the app. |
| One passkey per person | Members approve with the same passkey they use for their personal wallet. An approval for one account can never be used on the other. |
| Transfer allow-list policy | A new BlockFinaX contract that lets operators send USDC only to the pools, never to any other address. It has no admin and cannot be upgraded. See Business account contracts and why business accounts use OpenZeppelin smart accounts. |
| Fees covered | Business transactions are sponsored like personal ones; nobody needs XLM. |
| Switch between accounts | The account menu switches between your personal wallet and each business you belong to. Business settings lists members, roles and the account address. |
| Finer strikes | The strike can be set to 0.0001% from today's rate, for example 0.02%, from the closest strike each pool allows. |
Verified on testnet
| Check | Result |
|---|---|
| A business account deploys on the expected OpenZeppelin code, with its creator's passkey as admin | Passed |
| Admins add and remove admins; a removed admin can no longer approve | Passed |
| An operator pays a listed pool through the allow-list policy | Passed |
| An operator paying anyone else, approving an allowance, changing the account, or claiming the admins' rule is refused by the chain | Passed |