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By Freedom Pay Wallet
Freedom Pay Wallet transforms how aid agencies deliver financial aid with transparent, instant disbursements via Stellar.
This submission will upgrade the Freedom Pay Wallet app with a user-friendly, multilingual interface optimised for rural users, launch a professional portal for NGOs to disburse aid globally using stablecoins via the Stellar Disbursement Platform, and integrate Bridge to enable seamless stablecoin access without requiring users to understand blockchain technology.
Maybe in the future, but not in this submission
$150.0K
Success means thousands of vulnerable people receiving aid instantly, transparently, and without friction, through stablecoin disbursements that bypass cash leakage, delays, and currency volatility.
With FPW live on Stellar and integrated with MoneyGram and Bridge, success will be demonstrated by:
Quantitative Impact
2,500+ aid recipients successfully receiving stablecoins via FPW in underserved regions.
$100,000+ in aid disbursed within 6 months via the Aid Rewired portal.
5+ NGOs onboarded, with active campaigns and ongoing disbursements.
3+ local languages actively used within the FPW app.
50% faster delivery time vs. legacy cash-based distribution models.
30% cost savings per disbursement compared to traditional cash or bank transfers.
Qualitative Success
Aid recipients able to cash out or spend instantly, even in rural areas.
NGOs gaining real-time reporting on where, when, and how funds are spent, enabling better transparency and compliance.
Aid campaigns becoming more data-driven, faster, and more responsive, particularly during emergencies or seasonal needs
A shift in the way NGOs think about financial access, moving from physical distribution to digital delivery through blockchain infrastructure.
Broader Ecosystem Impact
Showcasing a replicable model for “aid-as-a-service” on Stellar.
Increasing trust in stablecoins like USDC for humanitarian use cases.
Positioning Stellar as a credible, compliant network for financial inclusion and aid innovation at scale.
Go-To-Market Plan
After mainnet launch, our go-to-market strategy will focus on onboarding NGOs, aid agencies, and rural recipients through marketing campaigns, direct outreach, trusted partnerships and localised engagement:
1. NGO & Aid Agency Activation
Leverage our existing relationships with NGOs in The Gambia, Tanzania, and Egypt to onboard early partners.
Offer hands-on onboarding sessions and demos to humanitarian agencies needing stablecoin infrastructure.
Host educational webinars and partnership calls to help agencies adopt the Aid Rewired portal for real disbursements.
2. Rural Community Engagement
Activate our network of community volunteers and ambassadors to introduce FPW in rural regions through in-person demos.
Launch language-specific onboarding journeys in the app for non-English users (Wolof, Swahili, Arabic, French).
Provide in-app tutorials and offline training materials to aid beneficiaries with little to no technical background.
3. Digital Campaigns & Social Referrals
Launch the “£1 Aid Challenge” and similar viral campaigns to engage the diaspora and raise awareness.
Roll out short-form video explainers on TikTok, Instagram, and WhatsApp, showing real disbursements and beneficiary impact.
Introduce a referral rewards system to drive organic growth of both NGO and end-user accounts.
4. Ecosystem Integration & Partnership
Work closely with Stellar and MoneyGram to promote USDC off-ramp access stories in underbanked regions.
Explore collaborations with remittance fintechs to widen FPW’s visibility.
Freedom Pay Wallet has already achieved meaningful traction across product adoption, partnerships, and real-world use.
10,000+ app downloads across Android and iOS, primarily from users in The Gambia and the UK diaspora.
Live integrations with Stellar USDC, enabling in-app purchases of global airtime, gift cards, utilities bills, and virtual Visa cards.
Active partnership with MoneyGram, enabling global cash-out via Stellar USDC in over 170 countries, including rural Africa.
Successful disbursement pilots, delivering aid hundreds of recipients in The Gambia and Tanzania.
Recognised by Stellar and accepted as an official wallet on the Stellar Disbursement Platform to refine scalable funding delivery.
Brief description:
Redesign and rebuild the FPW mobile app to meet the needs of rural users in Africa and other underserved regions. This includes improved and simplified UX/UI, full offline-first architecture, multilingual support (e.g., Spanish, Wolof, Swahili, Arabic, French), simplified onboarding, and biometric security.
How to measure completion:
New version of FPW app released on iOS & Android
Internal QA and community feedback testing complete
Screens and UX flow include language toggle, onboarding guide, and offline/low-data mode
Ready for testnet integration with NGO portal and Bridge module
Estimated date of completion:
November 15, 2025
Budget:
$60,000 in XLM
Brief description:
Develop a secure NGO/agency platform (“Aid Rewired”) for registering, verifying, and disbursing aid via the Stellar Disbursement Platform. Portal will include a dashboard, recipient management, AI-powered reporting/visualisation, and multi-currency support for testnet disbursements.
How to measure completion:
Aid Rewired portal deployed and functional in a testnet environment
Connection with SDP testnet verified
Sample NGO users onboarded to test recipient creation and disbursement flow
AI dashboard populated with test data: disbursement trends, regional insights, compliance reports
Estimated date of completion:
January 15, 2026
Budget:
$45,000 in XLM
**Brief description:
**Integrate Bridge into the FPW app and Disbursement Portal, enabling aid agencies/users to access stablecoins in an intuitive way. Launch Aid Rewired portal and updated FPW app on mainnet with full MoneyGram off-ramp support and NGO onboarding live.
How to measure completion:
Bridge integration live in FPW app and Disbursement Portal
Aid Rewired portal goes live with real NGO partners
Real-world disbursement campaign launched
App live on iOS/Android; website & portal accessible and documented
At least 5 NGO users onboarded, and 30+ real disbursements processed
Estimated date of completion:
March 31, 2026
Budget:
$45,000 in XLM
Our team at Freedom Pay Wallet consists of three core members, including myself as the founder, and a group of dedicated volunteers. Most of our team is based in The Gambia, working directly on the ground to ensure top-notch customer service and providing valuable feedback from our users. We believe in keeping our finger on the pulse, listening to our community, and adapting quickly to their needs.
We are fortunate to have partnered with BPV, a powerhouse team of fintech entrepreneurs and engineers. They're experience spans over 20 years in leadership positions at licensed and regulated financial institutions. BPV has successfully integrated multiple use cases of the Stellar protocol. Their expertise helps us navigate regulatory compliance, IT systems, and digital asset procedures, allowing us to innovate and scale effectively.
Together, our combined experience and knowledge make us well-equipped to drive financial inclusion and deliver impactful solutions through FPW
Freedom Pigott
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