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By Sollpay: Keyless ZK Wallet + Stellar
Builds a Stellar-integrated, keyless AA wallet using ZK-based identity to let users send crypto, access DeFi & xStock via phone/email. Develops a Stellar-integrated keyless wallet system that leverages abstract accounts and zero-knowledge authentication to enable phone/email-based crypto transfers, on-chain stock investments, and cross-chain DeFi access, removing seed phrase risks while expanding the reach of Stellar to mobile-native users.
Sollpay will integrate Stellar into its keyless wallet infrastructure through three major upgrades that enable seamless crypto payments, programmable identity, and cross-chain investing:
1) Stellar Payment Rail Integration
We will implement native Stellar USDC support within Sollpay’s abstract account wallet. Using Stellar’s low-fee, high-speed infrastructure, users will be able to send and receive crypto assets using phone numbers or email addresses, without seed phrases or public keys. This lowers the barrier for onboarding non-crypto-native users, especially in mobile-first regions.
2) Cross-Chain Swap Access Between Stellar And Solana
Sollpay will provide opportunities to Solana’s 32M+ wallet users and 4.8M+ daily actives into the Stellar network by enabling them to seamlessly access Stellar-based assets and payment rails using a single keyless wallet. Through embedded swap bridges, Solana users will convert tokens like SOL or USDT into Stellar USDC directly within the app, enabling real-world spending, remittances, and investment on Stellar. This flow positions Stellar as a destination layer for global users coming from high-velocity DeFi environments, while abstracting away key management and wallet friction through Sollpay’s infrastructure.
3)ZK-Based Identity Abstraction with Stellar Accounts
We will extend our zero-knowledge authentication layer to support Stellar accounts, enabling users to generate secure, non-custodial wallets without manual key management. Stellar accounts will be instantiated and linked through AA+ZK logic, allowing compliant and secure identity abstraction while maintaining user privacy and custody. This bridges the gap between usability and security in the Stellar ecosystem.
By embedding Stellar deeply into Sollpay’s technical stack, we’re not just adding a chain — we’re extending Stellar’s reach into a mobile-first, identity-native, and cross-chain financial layer, unlocking new use cases like contact-based payments, Web3 investing, and frictionless staking for users around the world.
Yes
$118.0K
Quantitative Success
- User Growth: Onboard 20,000+ new users into the Stellar ecosystem through Sollpay within 12 months of mainnet launch
- Swap Volume: 1,000 users transacting with Stellar assets within six months post-launch.
- xStock Participation: Drive 1,000+ Stellar wallets engaging with synthetic stock assets issued and settled on-chain
- Seedless Onboarding: Ensure 100% of users access their wallets through keyless AA login, without seed phrases or key management
Ecosystem Impact
- User Onboarding into Stellar: Serve as a high-conversion on-ramp, bringing mobile-native and Solana DeFi users into the Stellar network
- Real-World Financial Use: Promote Stellar USDC as a tool for everyday transactions, cross-border transfers, and asset holding
- Developer & Protocol Engagement: Expand usage of Stellar-issued tokens and support anchor liquidity by simplifying access
- Wallet Layer Innovation: Establish a mobile-first, keyless wallet layer that aligns with Stellar’s vision of open, global financial access
- Interchain Positioning: Strengthen Stellar’s role in cross-chain finance by connecting liquidity and user flows from high-activity networks
Vision of Success
Sollpay aims to make Stellar a preferred destination for real-world crypto usage—powered by a frictionless, seedless wallet experience. By enabling easy access to stablecoins, investing, and transfers via phone or email login, we will unlock Stellar for a new generation of Web2 and cross-chain users.
After completing the Stellar integration, Sollpay will launch a targeted, multi-phase go-to-market strategy focused on cross-chain user acquisition, ecosystem collaboration, and mobile-native adoption:
Solana User Migration → Stellar
We will activate our existing Solana user base—spanning over 32 million wallets and 2 million daily active users—by enabling seamless access to Stellar assets such as USDC through contact-based swap flows. With Sollpay’s keyless wallet, users can convert SOL or USDT into Stellar USDC in a single tap, making Stellar a destination layer for real-world spending, stablecoin usage, and digital payments.
Cross-Chain Ecosystem Partnerships
Through integrations with leading Solana protocols (e.g. Jito for staking, Jupiter for swaps), Sollpay will offer high-value Stellar onramps to a DeFi-native audience. These features will be delivered within our user-centric wallet interface, abstracting away seed phrases and complex bridging, and accelerating Stellar exposure across cross-chain communities.
Community Activation & Brand Visibility
As a member of Solana Superteam and a portfolio company of both the Binance France Web3 Accelerator and the HEC Incubator at Station F, Sollpay will leverage its strong presence in the European Web3 ecosystem to run demo campaigns, education workshops, and user onboarding events focused on GenZ and mobile-first users entering the Stellar ecosystem.
Product-Led Growth Strategy
By combining contact-based transfers, seedless account creation, and xStock investing into a single mobile-native interface, Sollpay lowers the entry barrier to on-chain finance. This positions Stellar as a gateway to real-world payments and investing, while enabling a Web2-friendly, secure, and scalable experience from day one.
Ecosystem Partnerships & Recognition
- Incubated by Binance France Web3 Accelerator in Paris(physical office) and HEC incubator in Station F, giving access to strategic partners, mentors, and press.
https://www.linkedin.com/feed/update/urn:li:activity:7287805882904494080
- First Prize on Solana Berlin Hackathon - Consume and NFT Track | https://x.com/Solanasim/status/1794002686360048023
- Partnership with Solana Foundation & Superteam EU | https://x.com/Solanasim/status/1808190793750044760
- Grant support from Superteam | https://drive.google.com/file/d/1ITmBydfZ2CQ06VXsFsf6cTT_kBo1cWh4/view?usp=drive_link
- Third Prize on Founders' Villa Season UAE | https://x.com/SuperteamAE/status/1849517184684269805
- Jito Foundation: Official collaboration to integrate MEV rewards and native Solana staking directly in Sollpay.
- Pre‑seed investors: Morningstar, Cypher, plus founders from the Solana ecosystem, Manta, and strategic angels:
- Cypher | https://www.cyphercapital.com/ | https://x.com/cypher_capital
- Morningstar | https://morningstar.ventures/ | https://x.com/Morningstar_VC
- Hasheur (Owen Simonin) – Influencer & founder of Meria | https://x.com/PowerHasheur | https://www.youtube.com/hasheur | CEO https://x.com/Meria_Finance
- Victor Ji– Co‑founder of Manta | https://x.com/victorone111 | https://x.com/mantanetwork
- Arthur Dietriech – Solana Superteam EU Lead | https://x.com/Arthurisfrench | https://x.com/SuperteamFRANCE/status/1816873912439046574
User & Product Adoption
- Sollpay Alpha launched in June 2025 with phone/email login, contact-based transfers, and xStock investment features.350+ early Alpha users onboarded across Europe and Asia, with strong mobile usage patterns.
- Internal simulation tests completed with >$140K equivalent swap volume using Jupiter aggregator.
- Transaction activity includes weekly usage of contact-based transfers and DeFi staking via Solana.
- Officially launch in September
Community & Public Visibility
- @SollPayHQ Twitter/X account driven by demo campaigns, alpha testing, and content. | https://x.com/SollPayHQ
- Featured at major events including VivaTech 2025, ETHCC 2025, and ecosystem showcases with Pantera capital at Station F. | https://drive.google.com/file/d/1BViZ-edXDH85AhIBggc1caDP-lyMvJ6q/view?usp=drive_link | https://drive.google.com/drive/folders/1lVYw3kFNIbop0Rvehn_ZkZ8DtZdQE0mW?usp=sharing
Team & Infrastructure
- Team of 9 people, including senior engineers from Ledger, Binance and Web3-native firms.
- ZK-authentication backend, contact resolver, and mobile wallet backend are live and operational in production.
- Team members:
🔹 Thomas YANG – CEO | Ex-VC
Entrepreneur with 10+ years of global experience in startups and tech ventures.
https://www.linkedin.com/in/jie-thomas-yang-54873056/?originalSubdomain=fr
🔹 Huiqi (Grey) ZHENG – CTO | Senior Dev, Ex-Ledger
Blockchain engineer with 10+ years in backend development and system architecture.
🔹 Jonathan HE – Product Manager | Crypto KOL
Strong track record in Web3 product execution and user growth.
🔹 Bruno T-THOMASSET – Legal & Compliance | Corporate Compliance
Strong background in French and EU digital law.
https://www.linkedin.com/in/bruno-tisserant-thomasset-a00526195/
Tranche 1 – MVP – $59,000
Estimated Completion: Nov 28, 2025
Deliverable 1: ZK Identity Verification Module
Brief description: Implement a ZK proving server that accepts Firebase OAuth JWTs and generates Poseidon-hashed identity proofs for phone/email ownership. The module will run inside a Trusted Execution Environment (TEE) and output proofs compatible with Soroban smart contract verification. Includes circuit development, prover/verifier integration, and API endpoints.
How to measure completion: Successful generation of ZK proofs from test JWTs, verified via a mock Soroban contract on local testnet. Public release of proof circuit code and verifier logic.
Estimated completion: Oct 18, 2025
Budget: $34,000
Deliverable 2: Secure Mobile Wallet Core
Brief description: Develop the React Native mobile wallet core with hardware enclave (P-256 keypair) generation, local transaction signing, and OAuth-based key binding. Includes secure key storage, signature validation tests, and mobile-to-backend API communication.
How to measure completion: Device successfully signs payloads stored in secure enclave and transmits them to test backend for verification. Demonstrated on both iOS (Secure Enclave) and Android (TPM).
Estimated completion: Nov 5, 2025
Budget: $14,000
Deliverable 3: Soroban WalletFactory Smart Contract
Brief description: Implement and deploy the Soroban WalletFactory contract to map hashed user IDs to individual smart wallet contracts. Includes conditional wallet deployment logic, event logging, and admin management functions.
How to measure completion: Deployment of WalletFactory contract to local Soroban testnet, callable via both CLI and frontend app, with successful mapping and creation of wallet contracts for new users.
Estimated completion: Nov 28, 2025
Budget: $11,000
Tranche 2 – Testnet – $38,000
Estimated Completion: Jan 16, 2026
Deliverable 1: Soroban Wallet Contract
Brief description: Implement the Soroban WalletContract to manage key rotation, nonce checks, and transaction validation. Includes event emission for state changes, on-chain ownership verification, and replay protection mechanisms.
How to measure completion: Successful deployment of WalletContract to Stellar testnet. Mobile app can sign a transaction, submit via relayer, and have it verified and executed on-chain. Unit and integration tests published in public repo.
Estimated completion: Dec 20, 2025
Budget: $16,000
Deliverable 2: Gasless UX Relayer Infrastructure
Brief description: Build and deploy a relayer service that uses Stellar’s Fee Bump transaction mechanism to sponsor user transactions. Service will accept signed transactions with nonce, wrap them in fee-bump envelopes, and submit to the network.
How to measure completion: End-to-end gasless transaction from mobile app to testnet contract via relayer, confirmed in Stellar testnet explorer. Relayer source code and documentation made public.
Estimated completion: Jan 5, 2026
Budget: $1,000
Deliverable 3: Full Wallet UX + ZK Integration
Brief description: Integrate ZK identity verification, wallet creation, and transaction execution into the production wallet UI/UX. Includes onboarding via phone/email, proof generation, account creation, asset transfer, and transaction history display.
How to measure completion: User can onboard via phone/email, have a smart wallet deployed on Stellar testnet, and complete a test transaction—all from the mobile app without seed phrases.
Estimated completion: Jan 16, 2026
Budget: $11,000
Tranche 3 – Mainnet – $21,000
Estimated Completion: Feb 20, 2026
Deliverable 1: Mainnet Smart Contracts + Security Review
Brief description: Finalize WalletFactory and WalletContract logic for mainnet deployment, integrating feedback from Stellar LaunchKit security review. Includes code optimization, final audit fixes, and deployment scripts.
How to measure completion: Smart contracts deployed and verified on Stellar mainnet. Public GitHub release of audited code and deployment records.
Estimated completion: Feb 5, 2026
Budget: $10,500
Deliverable 2: Production App Launch + Recovery Flow
Brief description: Release production-ready mobile wallet (iOS TestFlight, Android Beta) with full account recovery flow using new device ZK proof. Includes final UI polish, stability testing, and store submission preparation.
How to measure completion: Users can create wallets, perform Stellar transactions, and recover accounts from a new device on Stellar mainnet. Live app links published.
Estimated completion: Feb 20, 2026
Budget: $10,500
Sollpay is built by a world-class team of engineers and product leaders with deep expertise in non-custodial wallet development, account abstraction, and zero-knowledge cryptography. Our team includes alumni from Ledger, Red Hat, and top-tier VC firms, with academic backgrounds from École Polytechnique, HEC Paris, and PSL University.
We've launched award-winning Web3 products across Solana and Ethereum, and we're now bringing our ZK + AA wallet infrastructure to Stellar. From crypto-native UX to institutional-grade security, we combine deep technical experience with a track record of scaling frictionless, mobile-first products. Our mission: onboard the next billion users to crypto using just a phone number or email — no seed phrases, no friction.
🔹 Thomas YANG – CEO
Ex-VC | Product & Growth Lead
Entrepreneur with 10+ years in startups and tech ventures across Europe and Asia. Former venture capital investor specializing in fintech and blockchain. Graduate of Arts et Métiers – École Nationale Supérieure d'Arts et Métiers. Experienced in scaling fintech products, driving strategic partnerships, and securing ecosystem funding in the Web3 sector.
https://www.linkedin.com/in/jie-thomas-yang-54873056/?originalSubdomain=fr
🔹 Huiqi (Grey) ZHENG – CTO
Senior Dev | Ex-Ledger
Blockchain engineer with 10+ years in backend development and security-focused systems. Spent 4 years at Ledger developing hardware wallet integrations for Bitcoin, Ethereum, and Cosmos, ensuring protocol-level security compliance. Former engineer at Shift Technology and co-founder of multiple tech startups. Graduate of École des Mines de Paris, with expertise in cryptographic key management, embedded systems, and smart contract architecture.
https://www.linkedin.com/in/huiqi-zheng-68223527/
🔹 Jonathan HE – Product Manager
X (Twitter) and TikTok influencer with over 100K followers. AI and Web3 consultant and investor. Full-time Web3 writer and developer since 2021, focusing on blockchain adoption strategies, product-market fit, and content-driven community growth. Experienced in building engaged online communities and advising projects on go-to-market execution.
https://www.linkedin.com/in/jonathanweb3/ | https://x.com/nftbanker
🔹 Bruno T-THOMASSET – Legal & Compliance
French-qualified lawyer and HEC Paris graduate. Specializes in European digital law, financial regulation, and cross-border compliance for tokenized assets. Advises Sollpay on regulatory strategy, data protection (GDPR), and licensing frameworks for blockchain-based financial services across multiple jurisdictions.
https://www.linkedin.com/in/bruno-tisserant-thomasset-a00526195/
Grey Zheng
Thomas YANG
Sissi YUAN
No other submissions.