Stellar Community Fund

SAFU Protocol

SCF #44

Description

SAFU is a stake-backed protection protocol for crypto wallets. Stakers deposit XLM to collateralize a shared pool at a 6–10% ratio, 1 XLM staked backs 10–16 XLM in protection capacity. Yield generated by the pool (via Aquarius / SoroSwap AMM) flows back to stakers, distributed above principal through a four-tier points multiplier (1x to 2x based on lock duration). When a member's wallet is drained, the scoring engine evaluates the transaction and executes a deterministic payout from the pool. No human vote. No governance delay. Same inputs, same output, every time.

On Stellar, SAFU deploys as community pools. Any project, DAO, or community fund deploys its own isolated pool. Members stake XLM, earn yield on that stake, and receive wallet protection as a built-in benefit. The community operates its own pool. SAFU provides the contract, the scoring engine, and the payout execution layer — white-label deployable from day one.