diff --git a/src/index.ts b/src/index.ts
index a2007d7..dfb10da 100644
--- a/src/index.ts
+++ b/src/index.ts
@@ -30,5 +30,6 @@ export type { SubmitResult, TransactionStatus } from './types/transaction';
 
 // 6. Standalone functions
 export { createEscrowAccount, lockCustodyFunds, anchorTrustHash, verifyEventHash } from './escrow';
-export { buildMultisigTransaction } from './transactions';
+export { buildMultisigTransaction, buildPaymentOp, decodeMemo } from './transactions';
+export type { DecodedMemo } from './transactions';
 export { getMinimumReserve } from './accounts';
diff --git a/src/transactions/builder.ts b/src/transactions/builder.ts
new file mode 100644
index 0000000..5295343
--- /dev/null
+++ b/src/transactions/builder.ts
@@ -0,0 +1,71 @@
+import { Memo, MemoType } from '@stellar/stellar-sdk';
+
+export type DecodedMemo =
+  | { type: 'MEMO_NONE'; value: null }
+  | { type: 'MEMO_TEXT'; value: string }
+  | { type: 'MEMO_ID'; value: string }
+  | { type: 'MEMO_HASH'; value: string }
+  | { type: 'MEMO_RETURN'; value: string };
+
+/**
+ * decodeMemo
+ *
+ * Decodes a Stellar Memo object back to its original value where possible.
+ *
+ * - MEMO_NONE   → null
+ * - MEMO_TEXT   → original string
+ * - MEMO_ID     → numeric value as string
+ * - MEMO_HASH   → hex digest string (cannot be reversed — returned as-is)
+ * - MEMO_RETURN → hex digest string (cannot be reversed — returned as-is)
+ *
+ * @param memo - A Stellar SDK Memo object
+ * @returns DecodedMemo object with type and value
+ *
+ * @example
+ * decodeMemo(Memo.none())
+ * // { type: 'MEMO_NONE', value: null }
+ *
+ * decodeMemo(Memo.text('hello'))
+ * // { type: 'MEMO_TEXT', value: 'hello' }
+ *
+ * decodeMemo(Memo.id('12345'))
+ * // { type: 'MEMO_ID', value: '12345' }
+ *
+ * decodeMemo(Memo.hash(Buffer.alloc(32)))
+ * // { type: 'MEMO_HASH', value: '0000...0000' }
+ */
+export function decodeMemo(memo: Memo): DecodedMemo {
+  switch (memo.type as MemoType) {
+    case 'none':
+      return { type: 'MEMO_NONE', value: null };
+
+    case 'text':
+      return { type: 'MEMO_TEXT', value: memo.value as string };
+
+    case 'id':
+      return { type: 'MEMO_ID', value: String(memo.value) };
+
+    case 'hash': {
+      const hashValue = memo.value as Buffer;
+      return {
+        type: 'MEMO_HASH',
+        value: Buffer.isBuffer(hashValue)
+          ? hashValue.toString('hex')
+          : String(hashValue),
+      };
+    }
+
+    case 'return': {
+      const returnValue = memo.value as Buffer;
+      return {
+        type: 'MEMO_RETURN',
+        value: Buffer.isBuffer(returnValue)
+          ? returnValue.toString('hex')
+          : String(returnValue),
+      };
+    }
+
+    default:
+      return { type: 'MEMO_NONE', value: null };
+  }
+}
\ No newline at end of file
diff --git a/src/transactions/index.ts b/src/transactions/index.ts
index 04d4874..d6fcad8 100644
--- a/src/transactions/index.ts
+++ b/src/transactions/index.ts
@@ -1,2 +1,26 @@
+import { Asset, Operation } from '@stellar/stellar-sdk';
+import { isValidPublicKey, isValidAmount } from '../utils/validation';
+import { ValidationError } from '../utils/errors';
+
+export { decodeMemo, type DecodedMemo } from './builder';
+
 // eslint-disable-next-line @typescript-eslint/no-explicit-any
 export function buildMultisigTransaction(..._args: unknown[]): unknown { return undefined; }
+
+export function buildPaymentOp({
+  destination,
+  amount,
+  asset = Asset.native(),
+}: {
+  destination: string;
+  amount: string;
+  asset?: Asset;
+}): ReturnType<typeof Operation.payment> {
+  if (!isValidPublicKey(destination)) {
+    throw new ValidationError('destination', `Invalid Stellar public key: ${destination}`);
+  }
+  if (!isValidAmount(amount)) {
+    throw new ValidationError('amount', `Invalid amount: ${amount}. Must be a positive decimal string with up to 7 decimal places.`);
+  }
+  return Operation.payment({ destination, asset, amount });
+}
diff --git a/tests/unit/transactions/decodeMemo.test.ts b/tests/unit/transactions/decodeMemo.test.ts
new file mode 100644
index 0000000..6d6de39
--- /dev/null
+++ b/tests/unit/transactions/decodeMemo.test.ts
@@ -0,0 +1,47 @@
+import { Memo } from '@stellar/stellar-sdk';
+import { decodeMemo } from '../../../src/transactions/builder';
+
+describe('decodeMemo', () => {
+  it('decodes MEMO_NONE to null', () => {
+    const result = decodeMemo(Memo.none());
+    expect(result.type).toBe('MEMO_NONE');
+    expect(result.value).toBeNull();
+  });
+
+  it('decodes MEMO_TEXT to original string', () => {
+    const result = decodeMemo(Memo.text('hello world'));
+    expect(result.type).toBe('MEMO_TEXT');
+    expect(result.value).toBe('hello world');
+  });
+
+  it('decodes MEMO_TEXT with empty string', () => {
+    const result = decodeMemo(Memo.text(''));
+    expect(result.type).toBe('MEMO_TEXT');
+    expect(result.value).toBe('');
+  });
+
+  it('decodes MEMO_ID to numeric string', () => {
+    const result = decodeMemo(Memo.id('12345'));
+    expect(result.type).toBe('MEMO_ID');
+    expect(result.value).toBe('12345');
+  });
+
+  it('decodes MEMO_HASH to hex string', () => {
+    const hashBuffer = Buffer.alloc(32, 0xab);
+    const result = decodeMemo(Memo.hash(hashBuffer));
+    expect(result.type).toBe('MEMO_HASH');
+    expect(result.value).toBe('ab'.repeat(32));
+  });
+
+  it('decodes MEMO_HASH of all zeros', () => {
+    const hashBuffer = Buffer.alloc(32, 0);
+    const result = decodeMemo(Memo.hash(hashBuffer));
+    expect(result.type).toBe('MEMO_HASH');
+    expect(result.value).toBe('00'.repeat(32));
+  });
+
+  it('is exported from the public index', async () => {
+    const mod = await import('../../../src/index');
+    expect(mod.decodeMemo).toBeDefined();
+  });
+});