B — Intermediate account

A short-lived, sponsored account pre-configured with trustlines receives the asset and forwards it when the user is ready. Useful when the destination cannot pre-create a trustline but you still want a single settle step.

How it works

The builder covers creation, funding, forwarding, and cleanup or account merge. The intermediate account’s reserves are sponsored, and it is merged back out once the hand-off completes, so no XLM is stranded.

1. create + sponsor intermediate, add trustline(s)
2. asset is sent to the intermediate
3. recipient is ready → forward / merge into recipient
4. cleanup: account merge releases the sponsored reserves

From the SDK

It sits behind the same single call — only the mechanism changes.

const plan = await onboarder.buildOnboardingTx({
  account,
  asset: { code: "EURCV", issuer: "GBAD…7QFD" },
  mechanism: "intermediate",
});