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+---
+name: cavos-stellar
+description: Add a Cavos embedded wallet to a Stellar web or React Native app with @cavos/kit. Users sign in with Google, Apple, GitHub, Telegram, or an email code and get a classic G account with no seed phrase and no browser extension. Covers the React provider and hooks, lazy account creation, sponsored XLM reserves and fees, XLM payments, USDC-style trustlines, Soroban contract calls, signing an unsigned XDR from your backend, message signing, and device restore. Use when a Stellar app needs wallets for users who do not have one.
+user-invocable: true
+argument-hint: '[cavos task]'
+---
+
+# Cavos: embedded Stellar wallets
+
+Cavos (`@cavos/kit`) gives each user a classic Stellar `G…` account inside your app. The user signs in
+with Google, Apple, GitHub, Telegram, or an email code. The account key is derived from a per-user
+MasterDEK on the user's device, so there is no seed phrase and no extension. The Cavos relayer
+sponsors the account's XLM reserves and pays fees, so the user never needs to hold lumens.
+
+The same package also ships Solana and Starknet adapters. This skill covers Stellar only.
+
+- Docs: https://docs.cavos.xyz/docs/stellar (agent index: https://docs.cavos.xyz/llms.txt)
+- Package: https://www.npmjs.com/package/@cavos/kit
+- Dashboard (app ID, gas, callback URLs): https://cavos.xyz/dashboard
+
+## When to use this skill
+
+- The app needs Stellar accounts for users who do not have a wallet
+- Onboarding must be gasless: the app sponsors reserves and fees
+- The account must be a plain classic `G…` that any Stellar tool, exchange, or anchor understands
+- The same account must also sign Soroban `require_auth` entries (escrows, marketplaces, DeFi)
+
+## When NOT to use this skill
+
+- The user already has Freighter or another extension wallet: use Stellar Wallets Kit
+- You need a Soroban contract account (`C…`) with on-chain policies: use Smart Account Kit
+- Server-side signing for your own treasury: Cavos keys belong to end users, not your backend
+
+## Install
+
+```bash
+npm install @cavos/kit
+```
+
+Create an app in the dashboard and take its App ID. Add your exact origin under
+**Dashboard → App → Settings → Callback URLs** (scheme, host, and path; no wildcards, no trailing
+slash). Fund Stellar gas under **Dashboard → Gas → Stellar** before using mainnet.
+
+## Mental model
+
+| Piece | What it does | What it cannot do |
+| --- | --- | --- |
+| MasterDEK | Per-user secret. The `G…` key is HKDF of it (`cavos-ed25519-stellar-v1`). | |
+| Device | Holds the Ed25519 account key and signs. | |
+| Cavos vault (web, on by default with `appId`) | An iframe on a Cavos origin, running in the user's browser, that keeps the key in its IndexedDB as a non-extractable WebCrypto key. Your page asks it for signatures, within the limits set in the dashboard. | Your page never reads the key. |
+| Relayer (`appId`) | Fee payer and reserve sponsor: it signs only as the sponsor or the fee-bump source. | It cannot authorize the account's own operations or move its funds. |
+| Enclave (optional) | AWS Nitro enclave that holds a sealed copy of the MasterDEK, opens it only inside the enclave, and re-encrypts it to a new device of the same signed-in identity. | The enclave does not sign transactions. Because it opens the MasterDEK during restore, it is part of the trust model. |
+| Passkey (optional) | Stores an encrypted copy of the MasterDEK. | It is not 2FA. Anyone holding the synced passkey can open the wallet. |
+
+Key storage depends on the runtime:
+
+- Browser: inside the Cavos vault, as a non-extractable WebCrypto key.
+- React Native: in the OS keystore (Secure Enclave / Keychain, Android Keystore) through the native module.
+- Node: there is no default. You supply the key and persist it yourself.
+
+## Setup (React / Next.js)
+
+The provider is client-only. In Next.js App Router, put `'use client'` at the top of the file that
+renders it and of every component that calls `useCavos()`.
+
+```tsx
+'use client';
+import { CavosProvider } from '@cavos/kit/react';
+
+export function Providers({ children }: { children: React.ReactNode }) {
+  return (
+    <CavosProvider
+      config={{
+        appId: process.env.NEXT_PUBLIC_CAVOS_APP_ID,
+        chains: ['stellar'],
+        network: 'testnet', // 'testnet' | 'mainnet'
+        appSalt: 'my-app', // HKDF salt. Never change it after users connect.
+        socialRecovery: true, // restore on a new device by signing in again
+        deviceApproval: 'enclave',
+      }}
+      modal={{ appName: 'My App', theme: 'light' }}
+    >
+      {children}
+    </CavosProvider>
+  );
+}
+```
+
+```tsx
+'use client';
+import { useCavos } from '@cavos/kit/react';
+
+export function WalletButton() {
+  const { isAuthenticated, isLoading, address, openModal, logout } = useCavos();
+  if (isLoading) return null;
+  if (!isAuthenticated) return <button onClick={openModal}>Sign in</button>;
+  return <button onClick={logout}>{address}</button>;
+}
+```
+
+To use your own auth instead of the Cavos modal, pass `identity={{ userId, email }}` to the provider.
+Derive `userId` from something that never changes.
+
+## Get the Stellar wallet
+
+```ts
+const { wallet } = useCavos();
+if (wallet?.chain !== 'stellar') return;
+wallet.address; // G…
+wallet.status; // 'undeployed' | 'ready' | 'needs-device-approval'
+```
+
+| Status | Meaning |
+| --- | --- |
+| `undeployed` | Address is known, the account does not exist on-chain yet. |
+| `ready` | The account exists and this device can sign. |
+| `needs-device-approval` | The user has a wallet, but this device holds no key yet. Restore with an enclave sign-in or `approveDeviceWithPasskey()`. |
+
+Connecting never creates the account. The first `execute` creates it (sponsored), then runs the payment.
+
+## Actions
+
+```ts
+// Native XLM payment, amount in stroops (1 XLM = 10_000_000n). Sponsored by default.
+const hash = await wallet.execute(10_000_000n, 'GDEST…');
+
+// Pay the fee from the account's own XLM instead of the relayer.
+await wallet.execute(10_000_000n, 'GDEST…', { fee: 'self' });
+
+// Balances
+const stroops = await wallet.balance();
+const usdc = await wallet.tokenBalance({ code: 'USDC', issuer: 'GA5ZSE…KZVN' }); // "0" if no trustline
+
+// Trustline (the trustline reserve is sponsored). Needs status 'ready'.
+await wallet.addTrustline({ code: 'USDC', issuer: 'GA5ZSE…KZVN' });
+
+// Soroban call. This account signs only its own require_auth entry. Needs status 'ready'.
+await wallet.invokeContract({ contractId: 'C…', method: 'approve_milestone', args: [0, wallet.address] });
+
+// Your backend built the transaction: sign the unsigned XDR, do not submit.
+const signedXdr = await wallet.signXdr(unsignedXdr);
+
+// Off-chain message signature. Works while undeployed.
+const { signature, publicKey, curve } = await wallet.signMessage('hello'); // curve: 'ed25519'
+```
+
+Circle USDC on mainnet is `USDC:GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN`.
+
+To let users pay reserves and fees in USDC instead of sponsored XLM, use `@cavos/reserve` and sign
+with `wallet.signXdr`. See https://docs.cavos.xyz/docs/reserve.
+
+## Gotchas
+
+- **`appSalt`, `appId`, and `userId` are permanent.** Changing any of them silently moves every user
+  to a new, empty wallet. Nothing errors.
+- **A sponsored account holds 0 XLM.** The relayer sponsors reserves, so the account starts with no
+  lumens. An XLM payment needs XLM in the account first. Trustlines and Soroban calls do not.
+- **`addTrustline` and `invokeContract` need `status === 'ready'`.** Only `execute` creates the account.
+- **Do not gate execution on `isReady`.** `undeployed` can execute; only `needs-device-approval` blocks.
+- **Second browser or device:** the user lands on `needs-device-approval` until the device restores the
+  MasterDEK (enclave sign-in, or `approveDeviceWithPasskey()` if a passkey was added).
+- **`redirect_uri is not registered`:** the exact origin is missing from Callback URLs. An empty list
+  rejects everything.
+- **`signMessage` adds a Cavos domain prefix** before signing. It is not a SEP-53 signature. Verify with
+  `Keypair.fromPublicKey(publicKey).verify(prefixedBytes, signature)`.
+- **Mainnet needs gas.** Fund the app's Stellar gas in the dashboard, or sponsored calls fail.
+
+## Version note
+
+Written for `@cavos/kit` 0.5.2. Verified on Stellar mainnet on 2026-11-12: account
+[GCTAQX…P5LG4Q](https://stellar.expert/explorer/public/account/GCTAQXKRGWROJ5UZBLUQ472PNNFOPQQOJBPCVSVCM5SKPKDOAVP5LG4Q),
+created by the Cavos relayer, with a sponsored Circle USDC trustline.
+
+## Sources
+
+- https://docs.cavos.xyz/docs/stellar
+- https://docs.cavos.xyz/docs/react
+- https://docs.cavos.xyz/docs/signing
+- https://docs.cavos.xyz/docs/troubleshooting
+- https://github.com/cavos-labs/kit