Stellar Community Fund

Paycashless

SCF #44

Description

Paycashless is a payments and financial management platform for Nigerian small and medium-sized businesses (SMEs). It combines everything an SME needs to accept money, send money, manage cash flow, and access working capital in a single merchant account.

The platform spans

Digital Collections (POS, online checkout, pay-with-transfer, virtual accounts),

Invoicing (professional invoices that turn informal sales into recorded revenue),

Payouts (paying staff and suppliers from the same account where collections land),

Working Capital (short-term financing underwritten by Paycashless transaction history, no paperwork or collateral), and

Money Management & Insights (cash flow, sales, and customer analytics in one dashboard).

Paycashless replaces the patchwork of cash, separate POS providers, disconnected bank apps, and informal lenders Nigerian SMEs juggle today.

This SCF Build moves the settlement layer onto Stellar, unlocking multi-chain balance consolidation, Naira off-ramps, on-chain working capital, and yield on idle balances.