Stellar Community Fund

By ROZO - One Tap to Pay

Visa layer for stablecoins

SCF #38

$150.0K

Build

Awarded

Stablecoin Abstraction for Real-World Commerce. Any coin. Any Chain.

Products & Services

ROZO is the Visa layer for stablecoins. Our product is divided into two parts:

1. QR-Code One-Tap Checkout

How Stellar Is Used: Acts as our settlement rail for USDC payments—regardless of originating chain, funds route via Stellar’s fast, low-fee network.
Impact: Enables truly chain-agnostic, one-tap in-person payments: users simply scan a QR code, and settlement finalizes in seconds.

2. Cross-Chain Stablecoin Abstraction API

How Stellar Is Used: Powers our cross-chain routing layer alongside CCTP, automatically bridging any stablecoin into USDC on Stellar before payout.
Impact: Unlike CCTP’s multi-minute settlement, we achieve sub-second finality, making Stellar USDC truly viable for real-life consumer payments.

Soroban

Yes

Requested Budget

$150.0K

Success Criteria

Output: Based on this product, combined with traffic partnerships, marketing, and brand promotion, we aim to reach 100K new users and 1M transactions within six months of launch.

Impact: We aim to deliver a scalable, production-ready version for a major stablecoin before Meridian, with our Stellar launch of this novel stablecoin-abstraction payment product. Position Stellar as the infrastructure layer powering real-world commercial consumer payments.

Go-To-Market Plan

Acquire Users via Wallet & Ecosystem Branding:
- Social media and community promotions
- Product launch at in-person events like Meridian
- Targeted traffic campaigns
Merchant-Driven User Acquisition:
- Offline Merchants (e.g., restaurants, cafés): first-order discounts and subsidies to convert customers
- Online Merchants (e.g., AI service providers): cashback and bundled offers to attract users
Brand Marketing:
- Create video and written content showcasing real-world use cases
- Publish campaigns in top media, like Forbes, CoinDesk, and other media outlets
Network Effects:
- After seeding initial users, sustain growth with referral and invitation rewards

Traction Evidence

We launched our MVP in April to validate user and merchant demand:

Onboarded 8 merchants in one month with an 80% conversion rate
65% consumer adoption: over 80 out of 120 community members used the product
Bay Area partnerships & leads:
- F&B merchants: 5 locations (Draper U & downtown SF)—a Udon shop, a café, and a burger joint—all charging a 3% credit-card surcharge
- AI service providers:
  - Committed to integrate: Fellou (raised $30 M) and Creatify (raised $15 M)
  - Expressed interest: GPU-rental platforms—plan to onboard 10+ AI service merchants in the Bay Area post-launch
Generated 195 organic consumer waitlist sign-ups
Caught real-world attention: Received positive feedback from Vitalik, Sandeep (Polygon), and Nick/Jessi (Base):
- https://x.com/ROZOai/status/1930614859567370467
- https://x.com/ShawnMuggle/status/1925935348053369192

Tranche 1 (Deliverable Roadmap) - MVP

Deliverable: Soroban Pay-In & Refund + EVM Settlement

Brief description:

We use Soroban on Stellar and an EVM settlement path to let users pay in USDC on Stellar or Base and have merchants settle on the other chain in seconds—without relying on a single custodian.
How to measure completion:
- instant settlement <5s (prefunded)
- 20 mins liquidity settlement circle,
- End-to-end demo showing USDC pay-in on Soroban → instant settlement on Base
Estimated date of completion: 2025-08-31
Budget: $50 000
- Engineering: $40,000
- Infrastructure/Ops (CI, RPC, staging, monitoring bootstrap): $10,000

Tranche 2 (Deliverable Roadmap) - Testnet

Deliverable: Bi-directional Stellar ↔ Base Testnet

Brief description:

Deploy and configure cross-chain engine on Stellar Testnet and Base Sepolia to support transfers in both directions, with automated CCTP rebalancing and basic observability.
How to measure completion:
- Published testnet contract addresses & ABIs
- ≥ 300 successful Stellar→Base and Base→Stellar test transfers with ≥ 99% success
- Monitoring dashboard tracking latency (P95 < 10 s) and pool balances
Estimated date of completion: 2025-10-31
Budget: $50 000
- Engineering: $45,000
- Infrastructure/Ops (testnets, log/metrics pipelines, CI scale-up): $5,000

Tranche 3 (Deliverable Roadmap) - Mainnet

Deliverable: Stellar Liquidity Pool/Escrow + SDK 1.0 for Wallets/Merchants

Brief description:

Launch a Soroban-based liquidity pool/escrow on Stellar Mainnet to support $50M monthly volume, and publish SDK 1.0 for easy integration into wallets.
How to measure completion:
- Mainnet pool contract address published
- Protocol supports 1M+ monthly transactions
- Published contracts, docs
- SDK 1.0 released on NPM/GitHub with sample integrations with wallets or Rozo App
Estimated date of completion: 2026-01-31
Budget: $50 000
- Engineering: $45,000
- Infrastructure/Ops (prod RPC, alerting, indexers, dashboards, SRE runbooks): $5,000

Team

We have a solid technical and financial academic background and rich experience in crypto payment.

Shawn writes the code – studied CS in Stanford, founded multiple companies (Redshift, Chainsights, MugglePay). He researched at Virtual Human interaction lab at Stanford. You can check out the codebase here: <https://github.com/RozoAI/rozo-tap-to-pay>
LinkedIn: https://www.linkedin.com/in/shawn-yu-37498b40/

Sky co-founded MugglePay with Shawn and leads operations at Rozo. She worked at American Express. She brings deep crypto experience from her time as a blockchain researcher at the Tron Foundation. Sky co-founded MugglePay with Shawn in 2019, helping over 3,000 merchants accept crypto. MugglePay has processed $50M+ per month on blockchain.
LinkedIn: https://www.linkedin.com/in/sky-h-88811b118/