Loading...
Supporting developers, startups, and full-fledged companies building on Stellar and Soroban
© 2025 Stellar Development Foundation
Subscribe to the Newsletter
By Seasonal Workers Payroll
Stellar-based wallet to help remittance users beat inflation using USDC and instant conversion to local currency
We are building TuCambio Wallet, a non-custodial, Stellar-based wallet designed to enable fast, affordable, and secure cross-border remittances in USDC. Below, we break down the key deliverables and how each adds value to the ecosystem:
What we're building: A mobile and web wallet that automatically creates and activates a non-custodial Stellar address (including XLM funding and USDC trustline setup).
Value: Enables users without crypto experience to hold digital dollars securely without relying on intermediaries. Promotes financial autonomy in inflationary economies. We will activate 14,000 wallets for our existing users, driving immediate adoption and strengthening the Stellar ecosystem.
What we're building: Integrations with local banks, fintechs, and payment processors via API in Chile, Peru, Colombia, Venezuela, Argentina, Bolivia, Panama, and the U.S.
Value: Allows users to receive USDC from abroad and convert to local fiat in minutes. Reduces reliance on slow or expensive legacy rails, and enables last-mile cash-out in underbanked areas.
What we're building: A cross-border remittance engine that enables USDC transfers across users and wallets on Stellar, using memos and unique transaction references for KYC tagging and tracking.
Value: Creates a transparent, auditable, and compliant remittance rail at near-zero cost, helping meet SDG 10.C by reducing fees to under 3%.
What we're building: A mobile/web UX optimized for first-time users of crypto wallets, with native language support and educational content around USDC, Stellar, and security.
Value: Increases adoption by making the wallet usable for low-tech users, including migrants and remittance recipients unfamiliar with blockchain.
What we're building: A data layer that tracks fee reduction, access improvements, and financial outcomes per transaction to measure impact against UN SDGs (especially 10.C).
Value: Empowers to track measurable impact while scaling low-cost digital financial access in emerging markets.
Maybe in the future, but not in this submission
$75.0K
14,000 wallets created and actived on Stellar Mainnet within 6 months
Our go-to-market strategy focuses on leveraging our existing base of over 14,000 remittance users to drive early adoption of TuCambio Wallet. We plan to launch a closed beta on Stellar Testnet in Q3 2025, followed by a full Mainnet deployment in Q4 2025 with USDC on-ramp functionality in Chile and off-ramp in Venezuela. In Q1 2026. Our target users are migrants in stable economies sending money to families affected by inflation. We will activate wallets via in-app prompts and highlight advantages for customers throughout their remittances process. Adoption will be measured by wallet activations, on/off-ramp usage volume, and KYC completion. We also collaborate with education partners like Campus On Chain and engage Stellar ecosystem participants to build technical feedback loops, ensuring strong user-driven growth without relying on paid marketing.
TuCambio has over 14,000 active users, including both remittance senders and recipients—each representing a wallet ready for immediate activation. To date, we've processed more than USD $5 million across 60,000+ transactions.
This solid traction proves strong market demand and provides a ready user base for the adoption of our USDC wallet solution.
For transparency, here's a direct link to our Google Analytics dashboard with historical daily user data from our web app:
https://lookerstudio.google.com/reporting/84b70eea-1ed5-4d9e-8e2a-b71bbd139e01
● Deliverable 1: Wallet UI/UX
Brief description: Initial wireframes and click-through experience for wallet design and user journey.
How to measure completion: UX validated by internal team and focus group in a testing environment.
Estimated date of completion: 6 weeks | August 2025.
Budget: USD 4,000
● Deliverable 2: Automatic Wallet Creation +Trustline Setup for USDC (Keypair + Funding)
Brief description: integrate the Stellar SDK to interact directly with the Stellar network and perform operations such as creating accounts, fund with XLM, and prepare for use. Automatically add a trustline for USDC to each wallet. Through Horizon API to provide blockchain data access.
How to measure completion: 10 wallets created automatically via onboarding by waiting list.
Estimated date of completion: 8 weeks | August 2025.
Budget: USD 13,000
● Deliverable 3: KYC/AML modules for compliance
Brief description: Implementation of KYC (Know Your Customer) and AML (Anti-Money Laundering) Tu Cambio modules into the flow of TuCambio Wallets. This includes identity verification (ID upload, facial recognition), watchlist screening (OFAC, PEP, sanctions), and transaction monitoring tools.
How to measure completion: Fully integrated KYC flow in TuCambio Wallet.
Estimated date of completion: 4 weeks | September 2025.
Budget: USD 5,000
● Deliverable 1: On-ramp Integration (Chile -CLP)
Brief description: API-based integration to enable users to convert local fiat currencies into USDC
How to measure completion: 10 test conversions completed.
Estimated date of completion: 4weeks | October 2025
Budget: USD 12,000
● Deliverable 2: Off-ramp Conversion Trigger System (Venezuela -VES)
Brief description: Backend logic to allow conversion trigger (USDC → fiat (VES)).
How to measure completion: 50 Transactions processed with correct fiat payout.
Estimated date of completion: 4 weeks | October 2025
Budget: USD 8,000
● Deliverable 3: Key Management Layer
Brief description: Custodial wallet option with secure local key storage or encrypted vault infrastructure
How to measure completion: Secure key generation and encryption process implemented, Vault or local storage system fully integrated.
Estimated date of completion: 4weeks | November 2025
Budget: USD 7,000
● Production Deployment
Brief description: Full wallet deployment on Stellar mainnet.
How to measure completion: 100 Users actively transacting with USDC.
Estimated date of completion: 6 weeks | January 2026
Budget: USD 14,000
● Live Off-Ramp in Venezuela
Brief description: Enable off-ramp functionality with 2 off-ramp providers in Venezuela.
How to measure completion: 1,000 real transactions processed.
Estimated date of completion: 8 weeks | January 2026
Budget: USD 12,000
Note: Deliverables listed above will be fully integrated into TuCambio’s existing web-based remittance platform. This integration will leverage our current agreements with payment rail and on/off-ramp providers across Latin America and the U.S., ensuring real-world interoperability and fast time-to-market. Furthermore, we will actively engage with potential Stellar Anchor partners to explore and expand fiat on/off-ramp coverage.
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)
Luis Saavedra Correa
By Seasonal Workers Payroll
On-Chain Payroll for Unbanked Workers