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By Seasonal Workers Payroll
TuCambio delivers a Stellar-powered financial infrastructure that enables companies to manage payroll to provide financial access to unbanked workers, all within a unified platform.
This solution builds on TuCambio’s existing digital wallet and payment infrastructure, adding scalable payroll distribution and real-world spending capabilities.
TuCambio operates a live, production-ready system that companies can leverage immediately:
Stellar Wallet Infrastructure
Automated wallet creation, activation, and USDC trustline management for users at scale
Fiat ↔ USDC On/Off-Ramps
Integrated conversion between local currencies and digital dollars (USDC) across multiple regions
Cross-Border Payments & Remittances
Fast, low-cost international transfers with full traceability
This foundation provides companies with liquidity access, global reach, and operational reliability on Stellar.
Companies are provided with a business wallet on Stellar, enabling them to fund and execute payroll seamlessly.
Through TuCambio, companies can:
Fund their wallet from fiat currency into USDC on Stellar
Distribute salaries programmatically to worker wallets on Stellar
Batch Payroll Processing
Execute thousands of payments in a single payroll cycle
Automated Salary Distribution
Instantly send payments to each worker’s wallet
Real-Time Tracking & Reconciliation
Monitor transactions, generate reports, and ensure auditability
Recurring Payroll Execution
Support weekly, bi-weekly, or monthly payment cycles
This creates a high-frequency, programmable payroll layer on Stellar, reducing operational overhead while increasing speed and transparency.
TuCambio enables workers to access and use their salaries in the real world through debit cards linked directly to their on-chain wallet balances.}
Workers receive funds from employers in USDC in their Stellar wallet
A linked debit card is issued via integrated card providers
When a payment is made:
A real-time authorization request is triggered
The system checks the worker’s USDC balance on Stellar
Upon approval, the transaction is settled instantly
Workers can:
Do grocery shopping and cover daily expenses without friction.
Withdraw cash at ATMs.
Shop worldwide.
All transactions remain fully traceable and reconciled with on-chain activity, ensuring transparency for both companies and users.
Together, these products create a complete solution where companies can:
Provide immediate access to workers’ salaries in a cashless, real-world environment.
Run payroll without relying on traditional banking systems.
Pay global and unbanked workers efficiently.
Maintain control over financial operations.
$100.0K
TuCambio has built a strong operational foundation in digital payments, which directly supports the rollout of its Stellar-based payroll infrastructure.
TuCambio operates a live remittance platform with demonstrated product-market fit:
17,000+ active users (senders and recipients)
$7M+ USD processed
90,000+ transactions completed
This demonstrates the team’s ability to manage high-frequency financial transactions at scale in a production environment.
Public traffic and acquisition data: https://lookerstudio.google.com/reporting/84b70eea-1ed5-4d9e-8e2a-b71bbd139e01
Within this user base:
These companies represent a pre-existing distribution channel for the payroll solution, enabling rapid onboarding of early adopters. This significantly reduces go-to-market risk and supports the feasibility of scaling payroll usage in production.
Following the initial deployment of TuCambio Wallets on Stellar:
300+ wallets created in the first week
1,000+ on-chain transactions recorded
This validates the team’s ability to successfully deploy infrastructure on Stellar and generate early on-chain activity.
Evidence and transaction data: https://stellarchain.io/accounts/GA4UUVBVFLJXON2CVLUBTNOR3OKTFGWVBTBX5377TMQS2XMXJTN7ZPNU?tab=transactions
TuCambio combines:
Proven experience operating financial flows at scale
A built-in network of companies for payroll distribution
Early validated usage of Stellar wallets
This positions the project to transition existing financial activity into recurring, on-chain payroll transactions, driving wallet creation and sustained transaction volume on the Stellar network.
Deliverable 1: Payroll Engine & Wallet Integration
Brief Description
Development of the core payroll infrastructure, including a payroll orchestration engine capable of generating and executing batch payments to worker wallets on the Stellar network.
This deliverable includes:
Integration with TuCambio’s existing Stellar wallet infrastructure
Automated batch payroll processing, DFNS wallet-as-a-Services to amplify multichain wallet
Worker wallet linkage and payment routing
The system ensures that all participants are able to transact, while enabling scalable payroll execution. With DFNS integration we can
DFNS wallet infrastructure integration for a robust and secure wallet orchestration, passkey authentication, multichain wallet access, and Travel Rule support.
Stellar Wallets Kit integration for worker wallet authentication.
Payroll batch execution infrastructure, extend multiple countries.
How to measure completion:
The deliverable will be considered complete upon achieving:
1 successful payroll batch execution, internal focus group
Payments distributed to at least 20 testing worker wallets in a controlled environment, internal focus group
Budget: $20,000
Brief Description
Development and integration of a card issuing system that enables workers to access their on-chain USDC balances through debit cards. (cryptomate)
This deliverable connects TuCambio’s Stellar wallet infrastructure with external card issuing providers via API, allowing real-time authorization and settlement of transactions based on wallet balances.
The system ensures that funds remain on-chain until the moment of transaction, enabling secure, transparent, and efficient spending.
Scope of Capabilities
Integration with card issuing provider APIs
Issuance of cards linked to worker wallets.
Real-time authorization engine connected to Stellar balances. (DFNS)
Instant deduction and settlement of multichain upon transaction approval. (DNFS)
Transaction logging and reconciliation with on-chain activity.
Integration with Stellar Wallets Kit.
How to measure completion:
The deliverable will be considered complete upon achieving:
Issuance of at least 10 active cards linked to worker wallets internal focus group environment
Accurate deduction and reconciliation of Multichain for all transactions internal focus group environment
End-to-end transaction traceability (card ↔ wallet ↔ Stellar ledger) internal focus group enviroment
Budget: $20,000
MVP Summary
Deliverable 1: Payroll Engine, Wallet & Compliance → $20,000
Deliverable 2: Card Integration → $20,000
Total Budget: $40.000
Deliverable 1: Compliance (KYC & KYB Integration)
Brief Description
Implementation of KYC for workers and KYB for companies, and Travel Rule with DFNS wallet infrastructure integration for a robust and secure wallet orchestration.
Scope of Capabilities
The integration enables biometric passkey login authentication (DNFS)
How to measure completion:
The deliverable will be considered complete upon achieving:
Budget: $15,000
Deliverable 2: Employer Dashboard & Payroll Management Interface
Brief Description
Development of a company-facing dashboard that enables employers to manage payroll operations, monitor transactions, and access reporting tools in real time.
This interface acts as the control layer for the Business Stellar Wallet and Payroll Engine, providing companies with visibility, usability, and operational control over their payroll processes.
Scope of Capabilities
Payroll Management Interface
Create, review, and execute payroll batches (DFNS)
Employee Management
Upload and manage worker lists (linked to wallets)
Real-Time Payment Tracking
Monitor status of each transaction (pending, completed, failed) - Travel Rule and AML/KYT (DFNS)
Reporting & Reconciliation Tools
Access payroll summaries, transaction logs, and downloadable reports
Wallet Management
View business wallet balance, funding status, and transaction history
How to measure completion:
The deliverable will be considered complete upon achieving:
1 company successfully onboarded and actively using the dashboard
Creation and execution of at least 1 payroll batch via the interface
Visibility of 100% of transactions in real time within the dashboard company
Budget: $15,000
Deliverable 3: Card UI/UX & Worker Interface
Brief Description
Development of the worker-facing interface that enables users to interact with their wallet and card activity in a simple, transparent, and real-time manner. (Cryptomate Integration). This interface connects Stellar wallet data and card transaction activity, providing workers with a unified view of their financial activity, including payroll deposits and card-based spending. The goal is to ensure workers can understand, track, and confidently use their funds both on-chain and in real-world transactions.
Scope of Capabilities
Tu Cambio will combine Cryptomate Card infrastructure with DFNS management
Wallet Balance Display: Real-time visibility of Multichain balance
Unified Transaction History, Single view combining: Payroll deposits, Wallet transfers, Card transactions
How to measure completion:
The deliverable will be considered complete upon achieving:
Workers can:
View card transactions within the interface
Access a unified transaction history card usage
Traction
Budget: $10,000
Testnet Summary
Deliverable 1: Compliance (KYC & KYB Integration) → $15.000
Deliverable 2: Employer Dashboard & Payroll Management Interface → $15.000
Deliverable 3: Card UI/UX & Worker Interface → $10,000
Total Testnet: $40.000
Production Rollout & Deployment
This tranche focuses on transitioning from testnet to real-world deployment, onboarding active users, and generating measurable on-chain activity through payroll and card usage. Our business model is B2B payroll infrastructure for companies managing payroll distribution through Stellar-based wallets and card-linked spending. For the purposes of this proposal, an “active user” is defined as:
An active company: a company that executes at least one payroll cycle during a 30-day period.
An active worker/card-wallet user: a worker who receives payroll funds and performs at least one wallet or card transaction during a 30-day period.
Based on our payroll retention model and employer relationships, we estimate an average customer lifetime of 2 years or more for both employer payroll accounts and associated worker wallet/card users.
Deliverable 1: Company & Worker Onboarding flow
Brief Description
Onboarding of real companies and workers into the TuCambio payroll system operating on Stellar mainnet.
This includes activating business wallets, verifying companies (KYB), onboarding workers (KYC), and ensuring all participants are fully enabled to receive and use payroll funds and cards.
Scope of Capabilities
Company onboarding and KYB verification
Worker onboarding and KYC verification
Creation and activation of Stellar wallets
Linking workers to company payroll structures
Readiness for payroll execution and card usage
How to measure completion:
The deliverable will be considered complete upon achieving:
3 companies successfully onboarded
100 workers with active Stellar wallets
100% of onboarded users able to receive and manage multichain wallet
Budget: $10,000
Deliverable 2: Live Payroll & Card Payment Infrastructure
Brief Description
Execution of real payroll cycles on Stellar mainnet, generating consistent on-chain activity through salary distribution and card-based spending, with a robust integration DFNS WAAS + Walle Stellar Kit + card provider (Cryptomate). This deliverable validates full system functionality under real usage conditions, from payroll funding to worker spending.
Scope of Capabilities
Execution of recurring payroll cycles (weekly/bi-weekly/monthly)
Distribution of salaries to worker wallets
Activation of card usage linked to wallet balances
Monitoring and tracking of on-chain transaction volume
End-to-end validation of the full payment flow
How to measure completion:
The deliverable will be considered complete upon achieving:
At least 10 payroll cycles successfully executed
100+ on-chain transactions generated, including: Wallet creation, Payroll distributions, Card transactions
Budget: $10,000
Mainnet Summary
Deliverable 1: Onboarding → $10,000
Deliverable 2: Live Payroll & Usage → $10,000
Total Mainnet: $20,000
TuCambio.app is led by,
Carla Leal (CEO/CTO) an engineer specialized in product development, artificial intelligence, and a serial founder. Carla previously founded and scaled an e-commerce venture that reached customers across North America, Asia, and Oceania. (https://www.linkedin.com/in/carlalealrojas/) (https://github.com/carlatucambio)
Luis Saavedra (COO/CFO) is a cryptocurrency, trading, and finance expert with 15 years of experience. He began his journey in the crypto world in 2015 by building his own mining farm in Venezuela. Together, they designed and operate the current infrastructure and lead the technical and strategic roadmap. (https://www.linkedin.com/in/saavedraluism/)
José Campos a senior software engineer and former lead instructor in full-stack development, contributing to core protocol and product development with a builder mindset shaped by the Web3 ecosystem. (https://www.linkedin.com/in/jose-campos-huiriqueo/) (https://github.com/josecamposhz)
Jose Campos
Carla Leal
Luis Saavedra Correa
By Seasonal Workers Payroll
Remittances with USDC in LATAM