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By Enable
This award funds the migration of Enable's group-payments product on Aleo onto a single Stellar chain and the integration of two ecosystem building blocks.
New on Stellar:
A Soroban group-wallet contract providing shared, non-custodial group accounts that hold pooled USDC, with members, m-of-n approval, and contribution and disbursement logic for savings-group and community-cohort use.
On-chain programme rules in Soroban that gate every transaction on available balance, beneficiary and merchant approval, entitlement expiry, and whether cash-out is permitted.
A native MoneyGram (Access to MoneyGram Ramps) cash-out integration over the SEP anchor stack (SEP-10, 12, 24, 31), so beneficiaries and merchants convert USDC to physical cash at MoneyGram locations.
A Stellar Disbursement Platform (SDP) integration for bulk, one-to-many disbursement from a programme to many beneficiaries or group wallets.
Improved and consolidated:
One Stellar account per actor in place of the previous three (Aleo, EVM, Stellar), retiring the multi-wallet model.
Native USDC settlement that removes USDCx wrapping, the Circle bridge, and the Ethereum hop, so value moves as a single asset on a single ledger.
The beneficiary WhatsApp wallet and merchant app updated to transact against native Stellar accounts and the new contract, with WhatsApp, Twilio, and Proofit retained as integration services.
Donor and programme reporting simplified to read from one public Stellar ledger.
$76.0K
Live deployment (Colombia). Enable is operating on the Venezuela-Colombia remittance corridor with the Danish Refugee Council (DRC) and GOAL as implementing partners, serving real beneficiaries with USDC value and MoneyGram cash-out at the last mile. To date: group disbursements to fisherman in Colombia for purchasing of fishing implements at merchants and sale of fish to merchants of $15000 transaction mapping ongoing. Payments to migrant households that sit on the border of Venezuela of $15,000.
Institutional pipeline. We are in active discussions with CORE Response in the United States to deploy the system, and with GOAL to roll Enable out across their country programmes globally, extending beyond the Colombia deployment into their wider operational footprint.
Why this matters for the award. This is a live system with named institutional partners on a real corridor, not a concept, which means USDC velocity and MoneyGram cash-out volume on Stellar from day one, with a credible path to multi-country scale through GOAL and a first US deployment through CORE Response.
Rewrite the Soroban group-wallet and rules contract (pooled USDC, members, roles, m-of-n approval, on-chain balance/approval/expiry/cash-out checks)
testnet contract address live; recorded enrollment, contribution, and a threshold-approved disbursement
$15,000
Contract unit tests
test suite in repo, coverage stated, passing in CI
$10,000
SDP integration for bulk disbursement to beneficiary and group accounts
recorded SDP run paying multiple testnet recipients, each payment tied to its on-chain hash
$5,000
Merchant app wired to the rewritten contracts and the existing MoneyGram off-ramp
recorded testnet purchase and a cash-out trigger from the app
$6,000
WhatsApp wallet wired to the rewritten contracts
recorded WhatsApp confirmation driving a testnet contract transaction, P2P transfers and payments from merchants to individuals
$10,000
Front-end updates to merchant app and admin dashboard for the single-chain model
updated screens shown on testnet, merged to main
$5,000
Integration, end-to-end, and regression testing against SDP, the live MoneyGram off-ramp, and Proofit
published test report with pass results across the scenarios
$7,000
QA, hardening, and bug fixing
resolved issue log and a stable release candidate
$10,000
Mainnet deploy and first live group migration
verified mainnet contract address and a first live transaction on chain
$5,000
Monitoring, alerting, and developer docs
live monitoring dashboard, public repo, published docs URL
$3,000
Chris Hoffman, Founder and CEO https://www.linkedin.com/in/chrishoffmandrm/ https://github.com/Chrishoffmandrm123
Chris has spent around 20 years in humanitarian technology, working in more than 40 countries with organizations including the UN, World Vision, and the Red Cross. He founded Humanity Link to close the gap between funders and the communities they serve, and leads product, partnerships, and the field deployments behind Enable, including the live programme with DRC and GOAL on the Venezuela to Colombia corridor. [Add any direct role you played in shipping prior Enable releases.]
Henk Wim de Boer, Technical Lead https://www.linkedin.com/in/henk-wim-de-boer-70895927/ https://github.com/orgs/HumanityLink/people/hwdeboer1977
Henk Wim leads engineering. He has 15 years experience building production systems across multiple blockchains, including EVM chains and Aleo using Leo, Rust and Solidity languages, and has integrated cross-chain tooling such as Near Intents and stablecoin bridges. He built the earlier multichain version of Enable and Enable ZK, which moved USDC across Aleo, EVM, and Stellar using Circle, so the Stellar accounts, USDC settlement, and MoneyGram off-ramp in this submission are rails he has already run in production.
Why this team can deliver this build
The scope here, rewriting the contracts in Soroban and wiring them to SDP and the existing MoneyGram off-ramp, is a narrower problem than what the team has already shipped. Having built and operated Enable across three chains and integrated bridges and intent-based routing, consolidating onto a single chain is a simplification of work they have done before rather than new territory. The MoneyGram off-ramp is already live in production, which removes the largest integration risk from this submission.
Henk
Chris
By Enable
Stellar Off-Ramps for Communities