Paste your OpenRouter payment link into ROZO Checkout, choose USDC on Stellar, and pay from your own Stellar account. Stellar confirms in a few seconds and credits land automatically. No account, no bridge, no conversion.
Pay in 4 steps
- Open checkout.rozo.ai (or checkout.rozo.ai/stellar) and paste your OpenRouter payment link or payment ID, for example pl_01kyaaevc7evgt9.
- Choose to pay with USDC on Stellar. The order shows who you pay and the exact USDC amount — check that line matches the top-up you started on OpenRouter.
- Send the payment from your Stellar wallet. Stellar confirms in a few seconds.
- Credits are added automatically once the payment confirms.
Send USDC on Stellar, not XLM. The order is denominated in USDC, and a payment in a different asset does not satisfy it.
What you need
A Stellar account holding USDC on Stellar. Lobstr and Freighter are the common choices, and any wallet that can send a standard Stellar payment works — including an account you custody yourself. There is no ROZO-specific wallet to install.
A trustline for USDC. If you already hold USDC on Stellar you already have one, because a Stellar account cannot hold an asset without it. It only comes up on a brand new account, where your wallet walks you through adding it.
A little XLM for the account's minimum reserve and the network fee. Again, already satisfied if you are holding USDC today.
No ROZO account, no email to verify, no KYC form.
Speed and cost
Stellar transactions confirm in a few seconds and credits are added automatically — the fastest route ROZO Checkout offers. For comparison: Solana credits in about 30 seconds, Bitcoin over Lightning in about 2 minutes.
ROZO charges a 1% service fee, shown before you pay. OpenRouter's own crypto payment path charges 5%. Stellar's network fee is a tiny fraction of a cent and goes to the network, not to ROZO, which makes this the cheapest route on offer. There is no bridge fee, because nothing is bridged.
The order is priced in USDC and USDC on Stellar is a native, fully backed stablecoin, so the value you send is the value that credits your balance. No rate, no spread, no countdown.
If credits do not arrive
Open your Stellar wallet's transaction history and look for the USDC payment. Stellar is fast enough that there is little ambiguity: either it is there and confirmed, or it was never submitted.
If it is not there, nothing left your account. The usual causes are a wallet session that timed out mid-signature, or not enough free XLM to submit the operation. Top up a little XLM and try again.
If it is there and confirmed, copy the transaction hash from the transaction detail view and send it to support with your OpenRouter payment link or payment ID. Do not pay a second time — a confirmed Stellar payment cannot be reversed.
One thing to rule out first: check you sent USDC on Stellar rather than XLM or a similarly named asset.
Is it safe?
ROZO Checkout is a payment surface, not a custodial platform. It never touches your Stellar keys, holds no balance for you, and has no account to create. You submit the payment yourself, for an amount displayed before you sign.
That displayed amount is the thing to check. If the counterparty and USDC figure match the OpenRouter order you created, you are paying the right thing. If not, reload the checkout with a fresh payment link.
ROZO is independent and is not affiliated with OpenRouter or Coinbase.
If Stellar is not where your money lives, the other routes reach the same destination: USDC or USDT on Solana in about 30 seconds, USDT on BNB Chain from your BEP-20 balance, or Bitcoin over Lightning in about 2 minutes.