Pollar is wallet-as-a-service for Stellar and Solana, positioned as a payments layer for apps in LATAM. Users sign in with Google, GitHub, email OTP, or a passkey. Its SDK covers sponsored activation and trustlines, payments, multi-venue swaps, fiat on and off-ramps (bank QR, Pix, transfers), and SEP-10 / SEP-53 proofs.
Both give a user a Stellar account with no seed phrase and can sponsor its reserves. The difference is who signs. Pollar’s own integration guide lists three custody types: internal wallets for social and email users, with keys managed server-side and signed by the server; smart Soroban accounts (C-addresses) signed by a device passkey; and external wallets. Cavos gives every user a classic G-account whose key signs on the user’s device. Pollar ships more finished payments features, including ramps and swaps; Cavos does not ship ramps or swaps.
For the category itself (custody, key models, and what the SDK actually does) start with embedded wallets and the embedded wallet SDK. The embedded wallet guide is that page. The named-vendor table is embedded wallet providers. Platform parts and pricing models are in wallet-as-a-service. The method-level surface is the embedded wallet API. The React install is how to add an embedded wallet.
| Capability | Cavos | Pollar |
|---|---|---|
| Signing authority | Signing happens on the user’s device: in the browser the Ed25519 key is a non-extractable WebCrypto key in the Cavos vault. With opt-in recovery, an AWS Nitro enclave keeps a sealed copy of the MasterDEK to restore it on a new device; the enclave does not sign. | Three custody types in Pollar’s integration guide: internal (social and email users; keys managed server-side, the server signs), smart (Soroban C-address signed by a device passkey), and external (a wallet the user already has). Pollar skill on GitHub, commit 761ed60, November 2026. |
| Account model | Classic Stellar G-account for every user. The Ed25519 key is derived from a per-user MasterDEK. | Classic G-account for internal and external wallets; Soroban smart account (C-address) for passkey users. |
| Chain coverage | One SDK with chain-native adapters. Starknet, Solana, and Stellar available today. | Stellar and Solana. |
| Sponsorship | The Cavos relayer sponsors account creation (create()), reserves, trustlines, and fees in XLM. @cavos/reserve lets users pay reserves and fees in a held token such as USDC. | Sponsored activation (reserves via CAP-33, immediate or deferred funding mode), trustlines, and fees, configured per app. |
| Payments features | XLM payments, trustlines, Soroban calls, and signing XDR built by your backend. No fiat ramps or swaps. | Payments, trustlines, multi-venue swaps, fiat on and off-ramps, and SEP-10 / SEP-53 ownership proofs. |
| UI | Hosted login modal. No prebuilt send, receive, or swap screens. | React provider with prebuilt modals for login and wallet flows. |
| Mobile | Web SDK. React Native is a work in progress. | React and React Native (Expo) packages. |
| Pricing | Free up to 1,000 wallets. Essential $59/mo. Complete $139/mo. | Pay as you go with credits, no subscriptions, per pollar.xyz (checked November 2026). |
A comparison of two ways to give Stellar users a wallet without a seed phrase. Pollar is wallet-as-a-service for Stellar and Solana with payments, swaps, and fiat ramps built in. Cavos is an embedded wallet SDK for Stellar, Solana, and Starknet where the key signs on the user’s device.
Pollar’s integration guide (November 2026) says social and email users get internal wallets whose keys are managed server-side, and the server signs. Passkey users get a Soroban smart account signed on the device. In Cavos, every user’s G-account key signs on the user’s device; in the browser it is a non-extractable WebCrypto key in the Cavos vault.
No. Cavos covers the wallet: login, a classic G-account, XLM payments, trustlines, Soroban calls, and sponsored reserves and fees. Pollar ships fiat on and off-ramps and multi-venue swaps in its SDK. If ramps are the core of your product, Pollar covers ground Cavos does not.
Cavos is free up to 1,000 wallets, then Essential at $59/mo and Complete at $139/mo. Pollar’s site (checked November 2026) says pay as you go with credits and no subscriptions.
Start with the quickstart and reach a sponsored transaction on your target chain.
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