@dynamic-labs/stellar 4.65.0 → 4.67.0

package/CHANGELOG.md

@@ -1,4 +1,36 @@
 
+## [4.67.0](https://github.com/dynamic-labs/dynamic-auth/compare/v4.66.0...v4.67.0) (2026-03-09)
+
+
+### Features
+
+* add MFA methods to useStepUpAuthentication hook ([#10581](https://github.com/dynamic-labs/dynamic-auth/issues/10581)) ([7903290](https://github.com/dynamic-labs/dynamic-auth/commit/79032906d548ba2d4bcdf69cd9e6eb820064e408)), closes [dynamic-labs/dynamic-js-sdk#1061](https://github.com/dynamic-labs/dynamic-js-sdk/issues/1061) [dynamic-labs/dynamic-js-sdk#1062](https://github.com/dynamic-labs/dynamic-js-sdk/issues/1062)
+* **demo:** add Passkey MFA and TOTP MFA step-up auth demos ([#10582](https://github.com/dynamic-labs/dynamic-auth/issues/10582)) ([92b9e28](https://github.com/dynamic-labs/dynamic-auth/commit/92b9e28e62084031a8bca11216aab39198948e82)), closes [#10581](https://github.com/dynamic-labs/dynamic-auth/issues/10581)
+* **demo:** add Step-up Auth section ([#10483](https://github.com/dynamic-labs/dynamic-auth/issues/10483)) ([4bfff9a](https://github.com/dynamic-labs/dynamic-auth/commit/4bfff9a0fe475b4d8dbb6b8c4fccebb6550aa06f))
+* **react-native:** add minifiedToken support to authModule ([#10595](https://github.com/dynamic-labs/dynamic-auth/issues/10595)) ([6b6e067](https://github.com/dynamic-labs/dynamic-auth/commit/6b6e067e62b97f573a31140967f3a07064e9f3fd))
+* **stellar:** add account activation handling for unfunded recipients ([#10578](https://github.com/dynamic-labs/dynamic-auth/issues/10578)) ([ea5ef7b](https://github.com/dynamic-labs/dynamic-auth/commit/ea5ef7bfce7cf984ff091ea7d6321814dc3eea81))
+* update demo CTA buttons - 'Book a call' and 'Get a free account' ([#10589](https://github.com/dynamic-labs/dynamic-auth/issues/10589)) ([e7d967c](https://github.com/dynamic-labs/dynamic-auth/commit/e7d967c59c5ad616348d9a51ea4bd314ec1ddd9f))
+* **waas:** add password support to upgradeToDynamicWaas ([#10606](https://github.com/dynamic-labs/dynamic-auth/issues/10606)) ([d998a3e](https://github.com/dynamic-labs/dynamic-auth/commit/d998a3e955110f419dc40c4aeaddd93834957eb7))
+
+
+### Bug Fixes
+
+* add overflow-y auto to backup codes view to prevent Complete button cutoff ([#10513](https://github.com/dynamic-labs/dynamic-auth/issues/10513)) ([5dfa94e](https://github.com/dynamic-labs/dynamic-auth/commit/5dfa94eaa232535f2e8c6905370dd8d8546485e3))
+* prevent infinite re-render loop in UserPhoneField due to rapid t… ([#10475](https://github.com/dynamic-labs/dynamic-auth/issues/10475)) ([0d79b07](https://github.com/dynamic-labs/dynamic-auth/commit/0d79b0782606c9fa926ed4697a17381211ad2f4a))
+
+## [4.66.0](https://github.com/dynamic-labs/dynamic-auth/compare/v4.65.0...v4.66.0) (2026-03-02)
+
+
+### Features
+
+* **stellar:** send serialized XDR for transaction signing ([#10548](https://github.com/dynamic-labs/dynamic-auth/issues/10548)) ([3ff6438](https://github.com/dynamic-labs/dynamic-auth/commit/3ff64384e16d5fdb32cd6a3fd144757bf05f4456))
+
+
+### Bug Fixes
+
+* prevent MFA backup codes screen from being dismissed before acknowledgement ([#10530](https://github.com/dynamic-labs/dynamic-auth/issues/10530)) ([67086f0](https://github.com/dynamic-labs/dynamic-auth/commit/67086f0b4a1302d39853eb2eedcb6f5b8bfca889))
+* **react-native:** add retry when setting items to secure store ([#10576](https://github.com/dynamic-labs/dynamic-auth/issues/10576)) ([22ea162](https://github.com/dynamic-labs/dynamic-auth/commit/22ea162420806a4a67394c99f3691754982a7f1f))
+
 ## [4.65.0](https://github.com/dynamic-labs/dynamic-auth/compare/v4.64.0...v4.65.0) (2026-02-27)
 
 

package/package.cjs

@@ -3,6 +3,6 @@
 
 Object.defineProperty(exports, '__esModule', { value: true });
 
-var version = "4.65.0";
+var version = "4.67.0";
 
 exports.version = version;

package/package.js

@@ -1,4 +1,4 @@
 'use client'
-var version = "4.65.0";
+var version = "4.67.0";
 
 export { version };

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@dynamic-labs/stellar",
-  "version": "4.65.0",
+  "version": "4.67.0",
   "description": "A React SDK for implementing Stellar wallet web3 authentication and authorization to your website.",
   "author": "Dynamic Labs, Inc.",
   "license": "MIT",
@@ -18,17 +18,17 @@
   },
   "homepage": "https://www.dynamic.xyz/",
   "dependencies": {
-    "@dynamic-labs/sdk-api-core": "0.0.875",
+    "@dynamic-labs/sdk-api-core": "0.0.881",
     "@stellar/stellar-sdk": "14.4.3",
-    "@dynamic-labs/wallet-connector-core": "4.65.0",
-    "@dynamic-labs/assert-package-version": "4.65.0",
+    "@dynamic-labs/wallet-connector-core": "4.67.0",
+    "@dynamic-labs/assert-package-version": "4.67.0",
     "@lobstrco/signer-extension-api": "2.0.0",
     "@stellar/freighter-api": "6.0.1",
-    "@dynamic-labs/logger": "4.65.0",
-    "@dynamic-labs/types": "4.65.0",
-    "@dynamic-labs/utils": "4.65.0",
-    "@dynamic-labs/waas": "4.65.0",
-    "@dynamic-labs/wallet-book": "4.65.0",
+    "@dynamic-labs/logger": "4.67.0",
+    "@dynamic-labs/types": "4.67.0",
+    "@dynamic-labs/utils": "4.67.0",
+    "@dynamic-labs/waas": "4.67.0",
+    "@dynamic-labs/wallet-book": "4.67.0",
     "eventemitter3": "5.0.1"
   },
   "peerDependencies": {}

package/src/connectors/DynamicWaasStellarConnector/DynamicWaasStellarConnector.cjs

@@ -221,10 +221,24 @@ class DynamicWaasStellarConnector extends waas.withDynamicWaas(StellarWalletConn
             this.activeAccountAddress = undefined;
         });
     }
+    /**
+     * Converts network passphrase to numeric chainId for policy validation
+     * ChainIds: '1' = pubnet (mainnet), '2' = testnet, '3' = futurenet
+     */
+    getChainIdFromNetworkPassphrase(networkPassphrase) {
+        // Check futurenet first since its passphrase also contains 'Test'
+        if (networkPassphrase.includes('Future')) {
+            return '3';
+        }
+        if (networkPassphrase.includes('Test')) {
+            return '2';
+        }
+        return '1';
+    }
     /**
      * Signs a Stellar transaction XDR.
      * @param transactionXdr - The XDR-encoded transaction envelope to sign
-     * @returns The signature as a base64 string
+     * @returns The signed transaction XDR
      */
     signTransaction(transactionXdr) {
         return _tslib.__awaiter(this, void 0, void 0, function* () {
@@ -240,19 +254,22 @@ class DynamicWaasStellarConnector extends waas.withDynamicWaas(StellarWalletConn
             const password = yield this.getPasswordIfNeeded({
                 accountAddress: this.activeAccountAddress,
             });
-            // Get the transaction hash that needs to be signed
+            // Get chainId from network passphrase for policy validation
             const networkPassphrase = yield this.getNetworkPassphrase();
-            const transaction = stellarSdk.TransactionBuilder.fromXDR(transactionXdr, networkPassphrase);
-            const transactionHash = transaction.hash().toString('hex');
-            // Sign the transaction hash using MPC
+            const chainId = this.getChainIdFromNetworkPassphrase(networkPassphrase);
+            // Sign the transaction XDR using MPC
+            // The SDK will compute the hash internally and build the context for policy validation
             const signature = yield walletClient.signTransaction({
                 authToken: (_b = this.getAuthToken) === null || _b === void 0 ? void 0 : _b.call(this),
+                chainId,
                 mfaToken,
                 password,
                 senderAddress: this.activeAccountAddress,
                 signedSessionId,
-                transaction: transactionHash,
+                transaction: transactionXdr,
             });
+            // Parse the XDR to add the signature
+            const transaction = stellarSdk.TransactionBuilder.fromXDR(transactionXdr, networkPassphrase);
             // The signature from WaaS is base64 encoded
             // addSignature expects both public key and signature as strings
             transaction.addSignature(this.activeAccountAddress, signature);

package/src/connectors/DynamicWaasStellarConnector/DynamicWaasStellarConnector.d.ts

@@ -58,7 +58,7 @@ declare const DynamicWaasStellarConnector_base: (abstract new (...args: any[]) =
     createWalletAccount({ thresholdSignatureScheme, password, bitcoinConfig, }?: {
         thresholdSignatureScheme?: string | undefined;
         password?: string | undefined;
-        bitcoinConfig?: import("@dynamic-labs-wallet/core").BitcoinConfig | undefined;
+        bitcoinConfig?: import("@dynamic-labs-wallet/browser-wallet-client").BitcoinConfig | undefined;
     } | undefined): Promise<{
         chainName: string;
         accountAddress: string;
@@ -132,10 +132,10 @@ declare const DynamicWaasStellarConnector_base: (abstract new (...args: any[]) =
     unlockWallet({ accountAddress, password, }: {
         accountAddress: string;
         password?: string | undefined;
-    }): Promise<import("@dynamic-labs-wallet/core").GetWalletResponse>;
+    }): Promise<import("@dynamic-labs-wallet/browser-wallet-client").GetWalletResponse>;
     getWalletRecoveryState({ accountAddress, }: {
         accountAddress: string;
-    }): Promise<import("@dynamic-labs-wallet/core").WalletRecoveryState>;
+    }): Promise<import("@dynamic-labs-wallet/browser-wallet-client").WalletRecoveryState>;
     endSession(): Promise<void>;
     getActiveAccountAddress(): Promise<string | undefined>;
     getConnectedAccounts(): Promise<string[]>;
@@ -256,10 +256,15 @@ export declare class DynamicWaasStellarConnector extends DynamicWaasStellarConne
      * Ends the current session and clears the active account address
      */
     endSession(): Promise<void>;
+    /**
+     * Converts network passphrase to numeric chainId for policy validation
+     * ChainIds: '1' = pubnet (mainnet), '2' = testnet, '3' = futurenet
+     */
+    private getChainIdFromNetworkPassphrase;
     /**
      * Signs a Stellar transaction XDR.
      * @param transactionXdr - The XDR-encoded transaction envelope to sign
-     * @returns The signature as a base64 string
+     * @returns The signed transaction XDR
      */
     signTransaction(transactionXdr: string): Promise<string>;
     /**

package/src/connectors/DynamicWaasStellarConnector/DynamicWaasStellarConnector.js

@@ -217,10 +217,24 @@ class DynamicWaasStellarConnector extends withDynamicWaas(StellarWalletConnector
             this.activeAccountAddress = undefined;
         });
     }
+    /**
+     * Converts network passphrase to numeric chainId for policy validation
+     * ChainIds: '1' = pubnet (mainnet), '2' = testnet, '3' = futurenet
+     */
+    getChainIdFromNetworkPassphrase(networkPassphrase) {
+        // Check futurenet first since its passphrase also contains 'Test'
+        if (networkPassphrase.includes('Future')) {
+            return '3';
+        }
+        if (networkPassphrase.includes('Test')) {
+            return '2';
+        }
+        return '1';
+    }
     /**
      * Signs a Stellar transaction XDR.
      * @param transactionXdr - The XDR-encoded transaction envelope to sign
-     * @returns The signature as a base64 string
+     * @returns The signed transaction XDR
      */
     signTransaction(transactionXdr) {
         return __awaiter(this, void 0, void 0, function* () {
@@ -236,19 +250,22 @@ class DynamicWaasStellarConnector extends withDynamicWaas(StellarWalletConnector
             const password = yield this.getPasswordIfNeeded({
                 accountAddress: this.activeAccountAddress,
             });
-            // Get the transaction hash that needs to be signed
+            // Get chainId from network passphrase for policy validation
             const networkPassphrase = yield this.getNetworkPassphrase();
-            const transaction = TransactionBuilder.fromXDR(transactionXdr, networkPassphrase);
-            const transactionHash = transaction.hash().toString('hex');
-            // Sign the transaction hash using MPC
+            const chainId = this.getChainIdFromNetworkPassphrase(networkPassphrase);
+            // Sign the transaction XDR using MPC
+            // The SDK will compute the hash internally and build the context for policy validation
             const signature = yield walletClient.signTransaction({
                 authToken: (_b = this.getAuthToken) === null || _b === void 0 ? void 0 : _b.call(this),
+                chainId,
                 mfaToken,
                 password,
                 senderAddress: this.activeAccountAddress,
                 signedSessionId,
-                transaction: transactionHash,
+                transaction: transactionXdr,
             });
+            // Parse the XDR to add the signature
+            const transaction = TransactionBuilder.fromXDR(transactionXdr, networkPassphrase);
             // The signature from WaaS is base64 encoded
             // addSignature expects both public key and signature as strings
             transaction.addSignature(this.activeAccountAddress, signature);

package/src/consts/index.cjs

@@ -11,5 +11,11 @@ Object.defineProperty(exports, '__esModule', { value: true });
  * Number of stroops per XLM (1 XLM = 10,000,000 stroops)
  */
 const STROOPS_PER_XLM = 1e7;
+/**
+ * Minimum amount of XLM required to activate (create) a new Stellar account.
+ * This is the base reserve required by the network.
+ */
+const STELLAR_MIN_ACTIVATION_AMOUNT = '1';
 
+exports.STELLAR_MIN_ACTIVATION_AMOUNT = STELLAR_MIN_ACTIVATION_AMOUNT;
 exports.STROOPS_PER_XLM = STROOPS_PER_XLM;

package/src/consts/index.d.ts

@@ -19,3 +19,8 @@ export declare const STELLAR_FUTURENET_NETWORK_PASSPHRASE = "Test SDF Future Net
  * Number of stroops per XLM (1 XLM = 10,000,000 stroops)
  */
 export declare const STROOPS_PER_XLM = 10000000;
+/**
+ * Minimum amount of XLM required to activate (create) a new Stellar account.
+ * This is the base reserve required by the network.
+ */
+export declare const STELLAR_MIN_ACTIVATION_AMOUNT = "1";

package/src/consts/index.js

@@ -7,5 +7,10 @@
  * Number of stroops per XLM (1 XLM = 10,000,000 stroops)
  */
 const STROOPS_PER_XLM = 1e7;
+/**
+ * Minimum amount of XLM required to activate (create) a new Stellar account.
+ * This is the base reserve required by the network.
+ */
+const STELLAR_MIN_ACTIVATION_AMOUNT = '1';
 
-export { STROOPS_PER_XLM };
+export { STELLAR_MIN_ACTIVATION_AMOUNT, STROOPS_PER_XLM };

package/src/index.cjs

@@ -12,8 +12,8 @@ var isStellarWallet = require('./wallet/isStellarWallet/isStellarWallet.cjs');
 var StellarWalletConnector = require('./connectors/StellarWalletConnector/StellarWalletConnector.cjs');
 var StellarLocalStorageCache = require('./StellarLocalStorageCache.cjs');
 require('@stellar/stellar-sdk');
-var getNetworkFromAddress = require('./utils/getNetworkFromAddress.cjs');
 require('../_virtual/_tslib.cjs');
+var getNetworkFromAddress = require('./utils/getNetworkFromAddress.cjs');
 require('@dynamic-labs/utils');
 var DynamicWaasStellarConnector = require('./connectors/DynamicWaasStellarConnector/DynamicWaasStellarConnector.cjs');
 

package/src/index.js

@@ -8,8 +8,8 @@ export { isStellarWallet } from './wallet/isStellarWallet/isStellarWallet.js';
 export { StellarWalletConnector } from './connectors/StellarWalletConnector/StellarWalletConnector.js';
 export { StellarLocalStorageCache } from './StellarLocalStorageCache.js';
 import '@stellar/stellar-sdk';
-export { getNetworkFromAddress } from './utils/getNetworkFromAddress.js';
 import '../_virtual/_tslib.js';
+export { getNetworkFromAddress } from './utils/getNetworkFromAddress.js';
 import '@dynamic-labs/utils';
 import { DynamicWaasStellarConnector } from './connectors/DynamicWaasStellarConnector/DynamicWaasStellarConnector.js';
 export { DynamicWaasStellarConnector } from './connectors/DynamicWaasStellarConnector/DynamicWaasStellarConnector.js';

package/src/utils/StellarUiTransaction/StellarUiTransaction.cjs

@@ -7,7 +7,9 @@ var _tslib = require('../../../_virtual/_tslib.cjs');
 var stellarSdk = require('@stellar/stellar-sdk');
 var utils = require('@dynamic-labs/utils');
 var index = require('../../consts/index.cjs');
+var buildCreateAccountTransaction = require('../buildCreateAccountTransaction.cjs');
 var buildPaymentTransaction = require('../buildPaymentTransaction.cjs');
+var checkAccountExists = require('../checkAccountExists.cjs');
 var createPaymentAsset = require('../createPaymentAsset.cjs');
 var getAccountBalance = require('../getAccountBalance.cjs');
 
@@ -22,6 +24,17 @@ class StellarUiTransaction {
         this.chain = 'STELLAR';
         this.data = undefined;
         this.fee = { gas: undefined };
+        /**
+         * Tracks whether the destination account exists (is funded).
+         * null = not checked yet, true = exists, false = needs activation
+         */
+        this.destinationAccountExists = null;
+        /**
+         * Pre-submit validation error message.
+         * Set when the transaction cannot proceed due to validation issues
+         * (e.g., trying to send < 1 XLM to an unfunded account).
+         */
+        this.preSubmitValidationError = undefined;
         /**
          * Formats a non-native token value back to a string
          *
@@ -143,6 +156,45 @@ class StellarUiTransaction {
         // Use Stellar SDK's built-in validation
         return stellarSdk.StrKey.isValidEd25519PublicKey(address);
     }
+    /**
+     * Checks if the destination account exists on the network.
+     * Also validates if the transaction can proceed based on:
+     * - If account doesn't exist and amount < 1 XLM, sets validation error
+     *
+     * @returns true if account exists, false if it needs activation
+     */
+    checkDestinationAccount() {
+        return _tslib.__awaiter(this, void 0, void 0, function* () {
+            const { to, value } = this;
+            // Reset validation error
+            this.preSubmitValidationError = undefined;
+            if (!to) {
+                return true; // No destination yet, skip check
+            }
+            // Check if account exists
+            const exists = yield checkAccountExists.checkAccountExists(to, this.horizonServer);
+            this.destinationAccountExists = exists;
+            // If account doesn't exist, validate amount
+            if (!exists && value !== undefined) {
+                const xlmAmount = Number(value) / index.STROOPS_PER_XLM;
+                const minAmount = parseFloat(index.STELLAR_MIN_ACTIVATION_AMOUNT);
+                if (xlmAmount < minAmount) {
+                    this.preSubmitValidationError =
+                        'The receiver address is not yet active. A minimum of 1 XLM is required.';
+                }
+            }
+            return exists;
+        });
+    }
+    /**
+     * Returns any pre-submit validation error.
+     * Used by the UI to display errors and disable the confirm button.
+     *
+     * @returns The validation error message, or undefined if valid
+     */
+    getPreSubmitValidationError() {
+        return this.preSubmitValidationError;
+    }
     /**
      * Creates a transaction for sending XLM or tokens
      *
@@ -169,23 +221,46 @@ class StellarUiTransaction {
                 const [code, issuer] = nonNativeAddress.split(/[:-]/);
                 asset = createPaymentAsset.createPaymentAsset({ code, issuer });
                 amount = this.formatNonNativeToken(nonNativeValue, (_a = this.nonNativeDecimal) !== null && _a !== void 0 ? _a : 7);
+                // Non-native tokens always use Payment (account must exist to have trustline)
+                return buildPaymentTransaction.buildPaymentTransaction({
+                    amount,
+                    asset,
+                    networkPassphrase: this.networkPassphrase,
+                    sourceAccount,
+                    toAddress: to,
+                });
             }
             else if (value) {
                 // Transfer native XLM
                 asset = stellarSdk.Asset.native();
                 amount = (Number(value) / index.STROOPS_PER_XLM).toString();
+                // Check if we need to use CreateAccount instead of Payment
+                // This happens when sending to an unfunded account with >= 1 XLM
+                if (this.destinationAccountExists === false) {
+                    const xlmAmount = Number(value) / index.STROOPS_PER_XLM;
+                    const minAmount = parseFloat(index.STELLAR_MIN_ACTIVATION_AMOUNT);
+                    if (xlmAmount >= minAmount) {
+                        // Use CreateAccount operation for silent activation
+                        return buildCreateAccountTransaction.buildCreateAccountTransaction({
+                            destinationAddress: to,
+                            networkPassphrase: this.networkPassphrase,
+                            sourceAccount,
+                            startingBalance: amount,
+                        });
+                    }
+                    // If amount < 1 XLM, the validation error should have been set
+                    // and the UI should prevent submission
+                }
+                // Standard payment to existing account
+                return buildPaymentTransaction.buildPaymentTransaction({
+                    amount,
+                    asset,
+                    networkPassphrase: this.networkPassphrase,
+                    sourceAccount,
+                    toAddress: to,
+                });
             }
-            else {
-                return undefined;
-            }
-            // Build the transaction
-            return buildPaymentTransaction.buildPaymentTransaction({
-                amount,
-                asset,
-                networkPassphrase: this.networkPassphrase,
-                sourceAccount,
-                toAddress: to,
-            });
+            return undefined;
         });
     }
     /**

package/src/utils/StellarUiTransaction/StellarUiTransaction.d.ts

@@ -33,6 +33,17 @@ export declare class StellarUiTransaction implements IUITransaction {
     private onSubmit;
     private horizonServer;
     private networkPassphrase;
+    /**
+     * Tracks whether the destination account exists (is funded).
+     * null = not checked yet, true = exists, false = needs activation
+     */
+    private destinationAccountExists;
+    /**
+     * Pre-submit validation error message.
+     * Set when the transaction cannot proceed due to validation issues
+     * (e.g., trying to send < 1 XLM to an unfunded account).
+     */
+    private preSubmitValidationError;
     constructor({ onSubmit, from, horizonServer, networkPassphrase, }: StellarUiTransactionProps);
     /**
      * Fetches the gas fee for the transaction.
@@ -96,6 +107,21 @@ export declare class StellarUiTransaction implements IUITransaction {
      * @returns true if the address format is valid
      */
     validateAddressFormat(address: string): boolean;
+    /**
+     * Checks if the destination account exists on the network.
+     * Also validates if the transaction can proceed based on:
+     * - If account doesn't exist and amount < 1 XLM, sets validation error
+     *
+     * @returns true if account exists, false if it needs activation
+     */
+    checkDestinationAccount(): Promise<boolean>;
+    /**
+     * Returns any pre-submit validation error.
+     * Used by the UI to display errors and disable the confirm button.
+     *
+     * @returns The validation error message, or undefined if valid
+     */
+    getPreSubmitValidationError(): string | undefined;
     /**
      * Creates a transaction for sending XLM or tokens
      *

package/src/utils/StellarUiTransaction/StellarUiTransaction.js

@@ -2,8 +2,10 @@
 import { __awaiter } from '../../../_virtual/_tslib.js';
 import { StrKey, Asset } from '@stellar/stellar-sdk';
 import { formatNumberText } from '@dynamic-labs/utils';
-import { STROOPS_PER_XLM } from '../../consts/index.js';
+import { STROOPS_PER_XLM, STELLAR_MIN_ACTIVATION_AMOUNT } from '../../consts/index.js';
+import { buildCreateAccountTransaction } from '../buildCreateAccountTransaction.js';
 import { buildPaymentTransaction } from '../buildPaymentTransaction.js';
+import { checkAccountExists } from '../checkAccountExists.js';
 import { createPaymentAsset } from '../createPaymentAsset.js';
 import { getAccountBalance } from '../getAccountBalance.js';
 
@@ -18,6 +20,17 @@ class StellarUiTransaction {
         this.chain = 'STELLAR';
         this.data = undefined;
         this.fee = { gas: undefined };
+        /**
+         * Tracks whether the destination account exists (is funded).
+         * null = not checked yet, true = exists, false = needs activation
+         */
+        this.destinationAccountExists = null;
+        /**
+         * Pre-submit validation error message.
+         * Set when the transaction cannot proceed due to validation issues
+         * (e.g., trying to send < 1 XLM to an unfunded account).
+         */
+        this.preSubmitValidationError = undefined;
         /**
          * Formats a non-native token value back to a string
          *
@@ -139,6 +152,45 @@ class StellarUiTransaction {
         // Use Stellar SDK's built-in validation
         return StrKey.isValidEd25519PublicKey(address);
     }
+    /**
+     * Checks if the destination account exists on the network.
+     * Also validates if the transaction can proceed based on:
+     * - If account doesn't exist and amount < 1 XLM, sets validation error
+     *
+     * @returns true if account exists, false if it needs activation
+     */
+    checkDestinationAccount() {
+        return __awaiter(this, void 0, void 0, function* () {
+            const { to, value } = this;
+            // Reset validation error
+            this.preSubmitValidationError = undefined;
+            if (!to) {
+                return true; // No destination yet, skip check
+            }
+            // Check if account exists
+            const exists = yield checkAccountExists(to, this.horizonServer);
+            this.destinationAccountExists = exists;
+            // If account doesn't exist, validate amount
+            if (!exists && value !== undefined) {
+                const xlmAmount = Number(value) / STROOPS_PER_XLM;
+                const minAmount = parseFloat(STELLAR_MIN_ACTIVATION_AMOUNT);
+                if (xlmAmount < minAmount) {
+                    this.preSubmitValidationError =
+                        'The receiver address is not yet active. A minimum of 1 XLM is required.';
+                }
+            }
+            return exists;
+        });
+    }
+    /**
+     * Returns any pre-submit validation error.
+     * Used by the UI to display errors and disable the confirm button.
+     *
+     * @returns The validation error message, or undefined if valid
+     */
+    getPreSubmitValidationError() {
+        return this.preSubmitValidationError;
+    }
     /**
      * Creates a transaction for sending XLM or tokens
      *
@@ -165,23 +217,46 @@ class StellarUiTransaction {
                 const [code, issuer] = nonNativeAddress.split(/[:-]/);
                 asset = createPaymentAsset({ code, issuer });
                 amount = this.formatNonNativeToken(nonNativeValue, (_a = this.nonNativeDecimal) !== null && _a !== void 0 ? _a : 7);
+                // Non-native tokens always use Payment (account must exist to have trustline)
+                return buildPaymentTransaction({
+                    amount,
+                    asset,
+                    networkPassphrase: this.networkPassphrase,
+                    sourceAccount,
+                    toAddress: to,
+                });
             }
             else if (value) {
                 // Transfer native XLM
                 asset = Asset.native();
                 amount = (Number(value) / STROOPS_PER_XLM).toString();
+                // Check if we need to use CreateAccount instead of Payment
+                // This happens when sending to an unfunded account with >= 1 XLM
+                if (this.destinationAccountExists === false) {
+                    const xlmAmount = Number(value) / STROOPS_PER_XLM;
+                    const minAmount = parseFloat(STELLAR_MIN_ACTIVATION_AMOUNT);
+                    if (xlmAmount >= minAmount) {
+                        // Use CreateAccount operation for silent activation
+                        return buildCreateAccountTransaction({
+                            destinationAddress: to,
+                            networkPassphrase: this.networkPassphrase,
+                            sourceAccount,
+                            startingBalance: amount,
+                        });
+                    }
+                    // If amount < 1 XLM, the validation error should have been set
+                    // and the UI should prevent submission
+                }
+                // Standard payment to existing account
+                return buildPaymentTransaction({
+                    amount,
+                    asset,
+                    networkPassphrase: this.networkPassphrase,
+                    sourceAccount,
+                    toAddress: to,
+                });
             }
-            else {
-                return undefined;
-            }
-            // Build the transaction
-            return buildPaymentTransaction({
-                amount,
-                asset,
-                networkPassphrase: this.networkPassphrase,
-                sourceAccount,
-                toAddress: to,
-            });
+            return undefined;
         });
     }
     /**

package/src/utils/buildCreateAccountTransaction.cjs

@@ -0,0 +1,39 @@
+'use client'
+'use strict';
+
+Object.defineProperty(exports, '__esModule', { value: true });
+
+var stellarSdk = require('@stellar/stellar-sdk');
+
+const DEFAULT_TIMEOUT = 180;
+/**
+ * Builds a Stellar create account transaction.
+ *
+ * This is used when sending XLM to an account that doesn't exist yet.
+ * The CreateAccount operation creates and funds the destination account
+ * in a single atomic transaction.
+ *
+ * @param params - Transaction parameters
+ * @param params.sourceAccount - The source account
+ * @param params.networkPassphrase - The network passphrase
+ * @param params.destinationAddress - Address of the new account to create
+ * @param params.startingBalance - Amount of XLM to fund the new account with (min 1 XLM)
+ * @param params.memo - Optional transaction memo
+ * @returns A built Stellar transaction
+ */
+const buildCreateAccountTransaction = (params) => {
+    const { sourceAccount, networkPassphrase, destinationAddress, startingBalance, memo, } = params;
+    const transactionBuilder = new stellarSdk.TransactionBuilder(sourceAccount, {
+        fee: stellarSdk.BASE_FEE,
+        networkPassphrase,
+    }).addOperation(stellarSdk.Operation.createAccount({
+        destination: destinationAddress,
+        startingBalance,
+    }));
+    if (memo) {
+        transactionBuilder.addMemo(memo);
+    }
+    return transactionBuilder.setTimeout(DEFAULT_TIMEOUT).build();
+};
+
+exports.buildCreateAccountTransaction = buildCreateAccountTransaction;

package/src/utils/buildCreateAccountTransaction.d.ts

@@ -0,0 +1,23 @@
+import { type Horizon, type Memo, Transaction } from '@stellar/stellar-sdk';
+/**
+ * Builds a Stellar create account transaction.
+ *
+ * This is used when sending XLM to an account that doesn't exist yet.
+ * The CreateAccount operation creates and funds the destination account
+ * in a single atomic transaction.
+ *
+ * @param params - Transaction parameters
+ * @param params.sourceAccount - The source account
+ * @param params.networkPassphrase - The network passphrase
+ * @param params.destinationAddress - Address of the new account to create
+ * @param params.startingBalance - Amount of XLM to fund the new account with (min 1 XLM)
+ * @param params.memo - Optional transaction memo
+ * @returns A built Stellar transaction
+ */
+export declare const buildCreateAccountTransaction: (params: {
+    destinationAddress: string;
+    memo?: Memo;
+    networkPassphrase: string;
+    sourceAccount: Horizon.AccountResponse;
+    startingBalance: string;
+}) => Transaction;

package/src/utils/buildCreateAccountTransaction.js

@@ -0,0 +1,35 @@
+'use client'
+import { TransactionBuilder, BASE_FEE, Operation } from '@stellar/stellar-sdk';
+
+const DEFAULT_TIMEOUT = 180;
+/**
+ * Builds a Stellar create account transaction.
+ *
+ * This is used when sending XLM to an account that doesn't exist yet.
+ * The CreateAccount operation creates and funds the destination account
+ * in a single atomic transaction.
+ *
+ * @param params - Transaction parameters
+ * @param params.sourceAccount - The source account
+ * @param params.networkPassphrase - The network passphrase
+ * @param params.destinationAddress - Address of the new account to create
+ * @param params.startingBalance - Amount of XLM to fund the new account with (min 1 XLM)
+ * @param params.memo - Optional transaction memo
+ * @returns A built Stellar transaction
+ */
+const buildCreateAccountTransaction = (params) => {
+    const { sourceAccount, networkPassphrase, destinationAddress, startingBalance, memo, } = params;
+    const transactionBuilder = new TransactionBuilder(sourceAccount, {
+        fee: BASE_FEE,
+        networkPassphrase,
+    }).addOperation(Operation.createAccount({
+        destination: destinationAddress,
+        startingBalance,
+    }));
+    if (memo) {
+        transactionBuilder.addMemo(memo);
+    }
+    return transactionBuilder.setTimeout(DEFAULT_TIMEOUT).build();
+};
+
+export { buildCreateAccountTransaction };

package/src/utils/checkAccountExists.cjs

@@ -0,0 +1,40 @@
+'use client'
+'use strict';
+
+Object.defineProperty(exports, '__esModule', { value: true });
+
+var _tslib = require('../../_virtual/_tslib.cjs');
+
+/**
+ * Checks if a Stellar account exists (is funded) on the network.
+ *
+ * On Stellar, accounts must be funded with at least 1 XLM to exist.
+ * This function attempts to load the account from Horizon.
+ * If the account doesn't exist, Horizon returns a 404 error.
+ *
+ * @param address - The Stellar public key (G...) to check
+ * @param horizonServer - The Horizon server instance
+ * @returns true if the account exists, false otherwise
+ */
+const checkAccountExists = (address, horizonServer) => _tslib.__awaiter(void 0, void 0, void 0, function* () {
+    var _a;
+    try {
+        yield horizonServer.loadAccount(address);
+        return true;
+    }
+    catch (error) {
+        // Horizon returns 404 for accounts that don't exist
+        // Any other error should be treated as network failure, assume exists to be safe
+        if (error &&
+            typeof error === 'object' &&
+            'response' in error &&
+            ((_a = error.response) === null || _a === void 0 ? void 0 : _a.status) === 404) {
+            return false;
+        }
+        // For network errors or other issues, assume account exists
+        // to avoid blocking legitimate transactions
+        return true;
+    }
+});
+
+exports.checkAccountExists = checkAccountExists;

package/src/utils/checkAccountExists.d.ts

@@ -0,0 +1,13 @@
+import type { Horizon } from '@stellar/stellar-sdk';
+/**
+ * Checks if a Stellar account exists (is funded) on the network.
+ *
+ * On Stellar, accounts must be funded with at least 1 XLM to exist.
+ * This function attempts to load the account from Horizon.
+ * If the account doesn't exist, Horizon returns a 404 error.
+ *
+ * @param address - The Stellar public key (G...) to check
+ * @param horizonServer - The Horizon server instance
+ * @returns true if the account exists, false otherwise
+ */
+export declare const checkAccountExists: (address: string, horizonServer: Horizon.Server) => Promise<boolean>;

package/src/utils/checkAccountExists.js

@@ -0,0 +1,36 @@
+'use client'
+import { __awaiter } from '../../_virtual/_tslib.js';
+
+/**
+ * Checks if a Stellar account exists (is funded) on the network.
+ *
+ * On Stellar, accounts must be funded with at least 1 XLM to exist.
+ * This function attempts to load the account from Horizon.
+ * If the account doesn't exist, Horizon returns a 404 error.
+ *
+ * @param address - The Stellar public key (G...) to check
+ * @param horizonServer - The Horizon server instance
+ * @returns true if the account exists, false otherwise
+ */
+const checkAccountExists = (address, horizonServer) => __awaiter(void 0, void 0, void 0, function* () {
+    var _a;
+    try {
+        yield horizonServer.loadAccount(address);
+        return true;
+    }
+    catch (error) {
+        // Horizon returns 404 for accounts that don't exist
+        // Any other error should be treated as network failure, assume exists to be safe
+        if (error &&
+            typeof error === 'object' &&
+            'response' in error &&
+            ((_a = error.response) === null || _a === void 0 ? void 0 : _a.status) === 404) {
+            return false;
+        }
+        // For network errors or other issues, assume account exists
+        // to avoid blocking legitimate transactions
+        return true;
+    }
+});
+
+export { checkAccountExists };

package/src/utils/index.d.ts

@@ -1,5 +1,7 @@
+export { buildCreateAccountTransaction } from './buildCreateAccountTransaction';
 export { buildPaymentTransaction } from './buildPaymentTransaction';
 export { buildTrustlineTransaction } from './buildTrustlineTransaction';
+export { checkAccountExists } from './checkAccountExists';
 export { checkTrustline } from './checkTrustline';
 export { createPaymentAsset } from './createPaymentAsset';
 export { createTransactionMemo } from './createTransactionMemo';