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By Institutional Treasury - XLM
Offers Stellar payment orchestration to help businesses manage custody, compliance, and flows with KYT, payment links & policies
Create Stellar Wallets with KMS: Businesses can CREATE Stellar wallets directly in Arrel. Private keys are secured via our internal KMS, ensuring full control stays with the client. [Already deployed on mainnet after SCF#37 (Check Notion workspace - link )].
Unified Asset & Updated Wallet Aggregation Dashboard: Businesses can connect both newly created and existing Stellar wallets, and track balances, tokenized assets, and transactions from a unified dashboard. Fully coded → To be deployed under SCF38.
Payment Links: Merchants, PSPs, NGOs, or fintechs can create one-time or recurring payment links to receive Stellar assets like USDC or XLM. Links can be embedded in websites or apps, or shared as standalone URLs
Compliance Monitoring (KYT)= Each transaction is KYT-eligible. Through our Chainalysis integration, users can automatically generate compliance reports. Examples available in our shared Notion workspace ( link )
Custody Options and User Controls: Businesses can choose between using self-managed wallets or integrating a custodian via API with our partner Fireblocks. In both cases, they can enforce rules such as transaction approval workflows, limits, and time-based controls.
What this unlocks for our clients:
→ Create a Stellar treasury wallet instantly
→ Accept stablecoin payments or donations in USDC, EURC, while staying compliant.
→ Enforce compliance (KYT) at transaction level
→ Rebalance funds automatically in Arrel, or auto-transfer funds to 15+ CEXs
→ Slash off-ramping costs from 1–5% to a flat amount in local currency (e.g. 1 EUR per SEPA withdrawal for any amount, no extra integrations or KYC from service providers)
→ Keep treasury in stablecoins, BENJI, or FX-hedged assets
→ Automate asset swaps, rebalancing, or tactical trading — no devs required
Ecosystem Impact:
→ Brings real-world businesses, payment providers, NGOs, and fintechs into Stellar
→ Increases on-chain stablecoin flows and anchored fiat volume
Maybe in the future, but not in this submission
$118.0K
→ All core features implemented as described in the Products & Services section
→ Successful tests on mainnet, KYT reports, off-ramp and integrations.
Adoption:
→ ≥50 active businesses wallets (self-custody or Fireblocks-linked) by mid 2026
→ ≥ $20m of payments processed by mid 2026
Arrel operates out of Mauritius and South Africa, our home base and core market, with hundreds of billions of dollars in annual payment and remittance flows across neighboring countries.
This region anchors our outbound sales and business development efforts, targeting four key segments: merchants, NGOs, payment providers, and fintech platforms.
To capture this market and expand beyond it, we have defined three additional focused go-to-market streams.
Stellar Ecosystem
Our first users for the payment flow will naturally come from within the Stellar community →
Maintain a strong presence in Discord, SCF calls, and ecosystem events
Run live product demos during major moments like Meridian to showcase real-time payment-to-fiat flows
Approach ecosystem players with revenue-share offers → they integrate Arrel, we split fees on processed volume
Position Arrel as the go-to payment and compliance layer for any Stellar-native wallet, NGO, or fintech looking to go live instantly
Events & Side-Events (Web2 + Web3) for PSPs, Remittance Providers & financial institutions.
Actively participate in top fintech events across EMEA → sponsor, exhibit, or send BD reps to engage directly with decision-makers
Focus on high-impact events like Money20/20 (EU + US), Seamless Middle East, Africa Fintech Summit, and Abu Dhabi Finance Week
In parallel, maintain strong presence across Web3 circuits → sponsor side-events and deploy BD teams to build channel partnerships
Prioritize community-driven conferences we already attend annually: Paris Blockchain Week, EthCC, Token2049 (Dubai/Singapore) → leverage these to expand reach and drive qualified leads from crypto-native networks
Digital Marketing Channel
With product-ready onboarding and a frictionless flow, digital becomes core to our GTM → we shift toward an inbound strategy
Target online/offline merchants and e-commerce sellers directly where they already live and promote their brands and products
By mid 2026, our target is:
Land 50 additional web2/web3 businesses via current GTM
Cumulative $20M monthly processed
Arrel currently operates a B2B2B/2C model, currently serving:
– FIVE (5) hedge funds with asset managers supporting institutional flows and HNWIs
– FIVE (5) payment providers offering compliant crypto payment rails to businesses and individual clients
→ We have TEN paying clients located in South Africa, Mauritius, Hong Kong and Canada
→ We are growing our revenue 10% MoM
→ We process, on average, USD 15 MILLION in monthly volume
All flows are already fully processed in production on other blockchains, not just monitored as in the current Stellar integration. A portion of these can migrate to Stellar once the required features are delivered.
While SCF#26 gave our clients the ability to ADD and MONITOR Stellar wallets, it did not yet enable the critical transaction features (wallet creation, KYT integration, payment links, off-ramp execution) required for live flows.
Based on client demands, we designed SCF#38 submission to remove that bottleneck: once these features are live, a portion of our existing $15M monthly volume can migrate to Stellar immediately (especially USDT to USDC).
Pilot Projects
Payment provider preparing to migrate USDT on TRON flows to USDC on Stellar; past single transactions reached 2.4M USDT through our infra & KYT engine, representing multi-million monthly volume potential. (check KYT reports here: link ).
In partnership with VAULT FX and HumanInsights AFRICA, we launched Phase 1 of a BRICS-aligned cross-border crypto settlement system focused on agricultural and healthcare trade across key African corridors. Stellar is the proposed primary chain for treasury and settlement once the necessary infrastructure is in place ( check MOU here: link ).
By mid-2026, we commit to achieving:
Onboard 50 additional web2/web3 businesses
Process $20M monthly, including 15-20% running on Stellar as initial phase target.
Estimated Completion: October 15, 2025
Budget: $58,000
Brief Description:
Delivers a new wallet onboarding experience following SCF#26; including native Stellar wallet creation secured by Arrel’s KMS, and wallet linking from the Stellar ecosystem and Fireblocks. Adds a unified dashboard aggregating all wallet balances, KYT compliance screening, and a full payment flow—from link generation to asset reception and sweep to CEX.
Completion is measured by:
New UI for wallet creation and linking live
KMS signing tested on Stellar testnet
Wallet dashboard displays real-time balances
KYT logic screens test transactions with pass/block logs
Payment received via link and routed to simulated CEX withdrawal
Estimated Completion: November 31, 2025
Budget: $30,000
Brief Description:
This tranche refines and automates the full payment link flow on Stellar Testnet, allowing assets to be received and routed with compliance checks. It introduces a policy rules engine where businesses define events off KYT triggers, a custody configuration interface for selecting wallet type (self-custody or Fireblocks), and a detailed wallet dashboard showing balances, transaction history, and compliance status.
How to Measure Completion:
Payment links function end-to-end on Testnet with auto-routing
Custom rules block or flag test transactions based on user-defined logic
Custody mode toggle works as expected per wallet
Wallet dashboard displays live data with transaction breakdown and KYT status
Estimated Completion: January 8, 2026
Budget: $30,000
Brief Description:
This tranche activates Arrel’s Stellar infrastructure in production, enabling real institutional clients to create, monitor, and operate wallets live on Mainnet. It includes the deployment of full wallet analytics (real-time flow insights and KYT history), full off-ramp execution with one merchant (USDC/XLM → CEX → fiat), and monitoring tools with exportable audit logs.
How to Measure Completion:
Mainnet wallets live and functional in production
Analytics dashboard tracks inflows, asset types, and KYT outcomes
At least one merchant completes end-to-end off-ramp to fiat
Monitoring tools active; audit logs downloadable;
Founder / Director Team:
Nicholas Allen - https://www.linkedin.com/in/nicholas-allen-697b286/
Jevon Coffin-Grey - https://www.linkedin.com/in/jdcoffingrey/
Andrew Meyerowitz - https://www.linkedin.com/in/andrew-meyerowitz-0433a632/
The business started as a prop trading engine and evolved into a B2B SaaS offering to TradFi Institutions seeking to build out digital asset products or operational capabilities. We are now honing in on particular niche markets and applications with DAPL (Digial Asset Platform) eg payments throughout Africa (and beyond) on Stellar.
Our team consists of engineers, we have financial and technical acumen and we love what we do.
Arrel was incorporated 8 years ago, and we have survived the great Celcius, 3AC, FTX bear market of '22 '23 :)
We believe in a decentralized future.
Nicholas Allen
By Institutional Treasury - XLM
Wallet Orchestration & Payment Links
By Institutional Treasury - XLM
Institutional Treasury - XLM