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By Bloccpay
Bloccpay Payroll
Businesses run scheduled batch payroll for remote contractors across Africa and other emerging markets, paying in USDC on Stellar.
Stellar use: Batch disbursements route through SDP for scalable, anchor-coordinated payouts.
Impact: Stellar's transaction costs are a fraction of our existing EVM rails, making weekly and fortnightly payroll cycles economical for the first time. Businesses paying 10+ contractors save significantly on per-payment overhead.
Bloccpay Invoicing
Contractors send invoices to clients anywhere in the world. Clients pay in stablecoins, with no Bloccpay account required.
Stellar use: External clients pay invoices using Stellar Wallets Kit, connecting any Stellar wallet (Freighter, Albedo, xBull, Lobstr).
Impact: Expands invoice payment reach to the entire Stellar wallet ecosystem. Pulls non-crypto-native businesses into Stellar usage by giving them a familiar "connect wallet, pay invoice" flow. Replaces a current "Coming Soon" placeholder in our invoice payment page.
Bloccpay Off-Ramp
Contractors withdraw earnings to local bank accounts and mobile money wallets in their countries.
Stellar use: Bridge handles fiat off-ramp from Stellar USDC to local currency rails. SDP's anchor network provides additional coverage in African markets.
Impact: Expands fiat coverage in priority corridors (Nigeria, Kenya, Ghana) where current rails have limited reach. Contractors receive local currency within minutes, not days.
Bloccpay Treasury Funding
Businesses fund their Bloccpay payroll wallet in USD, EUR, or GBP and have it converted to USDC on Stellar automatically.
Stellar use: Bridge virtual accounts convert fiat to USDC on Stellar with built-in settlement.
Impact: Companies fund payroll without needing to source crypto themselves. Removes the largest onboarding friction point for non-crypto-native businesses.
$100.0K
Bloccpay is live in production with verifiable transaction volume: On-chain transaction volume (Blockradar dashboard recording)
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Goal: Stellar Account Creation, Trustline Setup, and Single-Send Payments on Testnet.
Flagship flow: Single Stellar payment from a business wallet to a contractor wallet on testnet.
Primary integration: Direct Stellar SDK + Horizon (infrastructure tranche).
Supporting: Stellar Wallets Kit (initial scaffold, full activation in T2).
Timeline: 6 weeks
Tranche 1 total budget: $20,000
Deliverable 1.1: Stellar Account Creation and Trustline Management
Implement programmatic Stellar account creation using the Stellar SDK, trustline setup for USDC and USDT (per Stellar's asset issuance model), and address validation for G-addresses. Wallets are generated server-side and managed within Bloccpay's existing key infrastructure, with secret key export available to users who wish to move to self-custody. Keys are encrypted at rest using industry-standard symmetric encryption (AES-256), with key access controlled by Bloccpay’s internal access management policies and audited per operation. This mirrors Bloccpay's current operational model across our production chains.
How to measure success:
Bloccpay can programmatically create a new Stellar account on testnet, fund it with the minimum base reserve, and establish USDC and USDT trustlines in a single onboarding flow
G-address validation rejects malformed addresses at the API boundary and at deposit ingestion
10 sequential account creations completed without error during a smoke test, with all trustlines verifiable on Stellar testnet explorer
Budget: $7,000
Deliverable 1.2: Send Engine Routing to Stellar
Extend Bloccpay's existing chain-aware send engine to route Stellar payments through the new Stellar adapter, using our provider registry pattern that already supports production chains. Existing chain flows retained without behavior change.
How to measure success:
A single payment initiated via Bloccpay's existing send API, with target chain Stellar, dispatches to the Stellar adapter and completes on testnet
Existing chain regression tests pass with zero modifications to non-Stellar code paths
Send engine logs show clean (currency, network) --> adapter resolution for Stellar payments
Budget: $5,000
Deliverable 1.3: End-to-End Stellar Testnet Payment
Complete end-to-end flow: business funds wallet, runs a single payment to a contractor on Stellar testnet, contractor receives USDC, transaction reconciles in Bloccpay's ledger. Includes XLM fee handling, transaction record persistence, and Horizon event parsing.
How to measure success:
Recorded demo video showing: business initiates payment via Bloccpay --> Stellar testnet transaction confirmed --> contractor wallet credited --> ledger state reconciled
Transaction hash visible and verifiable on Stellar testnet explorer
Horizon event parsed correctly and matched to internal transaction record
Budget: $4,000
Deliverable 1.4: Stellar Wallets Kit Frontend Scaffold
Install and configure Stellar Wallets Kit on the Bloccpay invoice payment page, replacing the existing "Connect External Wallet - Coming Soon" placeholder. Wallet connection UI renders and accepts connections from Freighter, Albedo, xBull, and Lobstr. Full payment flow activation completes in T2.
How to measure success:
Wallets Kit successfully integrated on Bloccpay's invoice payment page
Wallet connection UI renders on testnet frontend
Successful test connection completed across at least 2 wallet types (Freighter and one of Albedo / xBull / Lobstr)
"Coming Soon" placeholder removed from production code
Budget: $3,000
Deliverable 1.5: Stellar Testnet Infrastructure
Deploy Horizon connection layer, deposit monitoring scaffold (Horizon streaming or polling), structured logging across the Stellar adapter, and basic monitoring of testnet wallet balances. Single deposit detection working end-to-end on testnet.
How to measure success:
Horizon connection live and reachable from Bloccpay backend
Deposit to a test Stellar account on testnet detected within 60 seconds and logged in Bloccpay's monitoring stack
Structured logs visible in Bloccpay's existing monitoring stack
Health check endpoint returns green for the Stellar branch of the send engine
Budget: $1,000
Tranche 1 total: $20,000
Goal: Batch Payroll via Stellar Disbursement Platform and External Invoice Payment via Stellar Wallets Kit, both working end-to-end on testnet.
Flagship flow: Batch payroll disbursement on Stellar.
Primary integration: Stellar Disbursement Platform (SDP).
Supporting: Stellar Wallets Kit (full activation), Stellar deposit monitoring infrastructure.
Timeline: 10 weeks
Tranche 2 total budget: $30,000
Deliverable 2.1: SDP Integration for Batch Payroll on Stellar Testnet
Integrate Stellar Disbursement Platform (SDP) for batch payroll disbursement on Stellar. SDP implements SEP-31 for cross-border payment coordination and SEP-24 for interactive deposit/withdrawal flows. Bloccpay's payroll executor routes Stellar-destined batches through SDP. Bloccpay contractors are mapped to SDP recipients with lifecycle sync, so contractors verified in Bloccpay do not re-onboard through SDP's flow.
How to measure success:
Business runs a payroll batch of 10+ contractors on Stellar testnet, all complete via SDP with reconciled state in Bloccpay's ledger
Recipient onboarding flow validated end-to-end, with existing Bloccpay KYC carried through wherever supported by SDP
All disbursement events visible in SDP's admin dashboard and Stellar testnet explorer
Recorded demo video of the full batch flow
Payments-grade requirements:
Replay protection: every inbound SDP webhook validated against a persisted event ID store before processing; idempotency enforced on all disbursement state changes; replayed disbursement events produce no duplicate ledger entries; verified by dedicated test case
Webhook signature verification: all SDP webhook payloads verified using HMAC before any processing logic executes; invalid or missing signatures rejected at the handler boundary with structured error logs
Reconciliation rules: scheduled reconciliation job (every 15 minutes, configurable) cross-references Bloccpay's payroll ledger against SDP's disbursement state and Stellar on-chain confirmations; discrepancies trigger an alert and place the affected disbursement in a pending review queue
Monitoring & incident response: structured logging at every stage (batch submission, recipient validation, SDP API calls, webhook receipt, Stellar transaction confirmation, ledger reconciliation); incident response runbook covering stuck disbursements, manual reconciliation, and webhook replay; runbook included in repository
Budget: $14,500
Deliverable 2.2: External Invoice Payment via Stellar Wallets Kit
Activate the full external invoice payment flow scaffolded in T1. Non-Bloccpay clients connect any Stellar wallet (Freighter, Albedo, xBull, Lobstr) to pay an invoice. Payment flows directly to the contractor's Bloccpay-managed Stellar wallet, with invoice reconciliation handled by Bloccpay's existing invoice-matching infrastructure.
How to measure success:
External Stellar wallet user successfully pays a Bloccpay invoice on testnet end-to-end
Flow demonstrable across at least 3 different Stellar wallets
Invoice marked PAID in Bloccpay automatically upon Stellar transaction confirmation
Payment hash visible on Stellar testnet explorer and linked from Bloccpay's invoice view
Budget: $7,500
Deliverable 2.3: Stellar Deposit Monitoring, AML Screening, and Reconciliation Infrastructure
Dedicated Stellar deposit monitoring layer using Horizon (streaming or polling against the /payments endpoint), queue consumer for deposit events, and inbound payment matching to invoices and funding records with no manual reconciliation. Bloccpay's send engine maintains a persisted cursor for backfill recovery. AML screening integrated into both inbound deposit handling and outbound send flows, mirroring Bloccpay's existing compliance pipeline.
How to measure success:
Inbound Stellar payments correctly credit the right user, business, or invoice across 20+ test scenarios
Reconciliation cron confirms zero drift between on-chain state and Bloccpay's ledger on testnet
AML screening rejects sanctioned addresses on both inbound deposits and outbound sends, with rejections logged and flagged for compliance review
Monitor auto-recovers from connection failures with no missed payments
Payments-grade requirements:
Replay protection: every Stellar operation deduplicated by operation ID against a persisted store before crediting any wallet; replayed events produce no duplicate credits
Asset whitelist: only deposits in approved assets from approved issuers (Circle USDC, Tether USDT) credit user balances; deposits in other assets logged but not credited
AML screening: every inbound source address and every outbound destination address checked against sanctions and blacklist providers before processing; sanctioned matches blocked, logged, and routed to compliance review queue; integrated with Bloccpay's existing AML pipeline used
Cursor recovery: monitor persists the last processed operation cursor; on restart or failure, resumes from last cursor with no gap or duplicate processing
Reconciliation rules: scheduled job (every 15 minutes) cross-references Bloccpay's ledger against Stellar on-chain state via Horizon queries; discrepancies beyond a configurable threshold trigger alerts and place affected records on hold pending review
Structured logging and alerting integrated into Bloccpay's existing monitoring stack
Budget: $7,000
Deliverable 2.4: QA, Load Testing, and Testnet Demo Recordings
Reproducible load test suite for SDP batch flows and invoice payment flows. Demo recordings of all T2 flows for SCF reviewer verification and Bloccpay customer marketing.
How to measure success:
Load test suite included in repository, fully reproducible with documented setup instructions
Baseline targets: 50 concurrent SDP batch submissions processed without error, p95 latency under 500ms on testnet
Testnet run results submitted as part of the deliverable
Demo videos published showing batch payroll and external invoice payment flows
Budget: $1,000
Tranche 2 total: $30,000
Goal: Stellar live in production with fiat on/off-ramp via Bridge. Real volume flowing in priority African corridors.
Flagship flow: End-to-end Stellar payroll → local fiat off-ramp in African corridors.
Primary integration: Bridge.
Supporting: SDP (already shipped), Stellar Wallets Kit (already shipped).
Timeline: 8 weeks
Tranche 3 total budget: $40,000
Deliverable 3.1: Bridge Integration for Fiat On/Off-Ramp on Stellar
Two flows:
(1) treasury funding — businesses fund Bloccpay payroll wallet via Bridge virtual account (USD/EUR/GBP) with automatic conversion to USDC on Stellar;
(2) contractor off-ramp — Stellar USDC converted to local fiat in contractor's country (NGN, KES, GHS) via Bridge's payment_rail with blockchain_memo routing. Tested across at least 2 African corridors (Nigeria + one of Kenya/Ghana).
How to measure success:
Treasury funding: simulated USD deposit via Bridge virtual account completes, USDC arrives in business's Stellar wallet, Bloccpay ledger credited correctly
Off-ramp: contractor receives Stellar USDC payment, initiates withdrawal to local bank or mobile money, Bridge processes off-ramp, contractor receives local fiat within minutes
Successful sandbox runs for at least 2 African corridors documented end-to-end
Bridge webhooks for transfer and virtual_account.activity event categories received, signature-verified, and reconciled
Payments-grade requirements:
Replay protection: every Bridge webhook deduplicated against persisted activity ID store; idempotency enforced on all credit/debit operations; replayed events produce no duplicate ledger entries
Webhook signature verification: all Bridge webhook payloads verified using HMAC-SHA256 before processing logic executes; raw request body used for signature computation; invalid signatures rejected with 401 response and logged
Reconciliation rules: 15-minute reconciliation job cross-references Bridge transfer state, Stellar on-chain state, and Bloccpay's ledger; three-way diff flags any discrepancy and triggers an alert; reconciliation runs logged with timestamps and resolution status
Monitoring & incident response: structured logging at every stage (virtual account creation, USDC payout, off-ramp initiation, webhook receipt, settlement confirmation); alerts on signature failures, reconciliation discrepancies, delayed payouts beyond configurable threshold, and Bridge API errors; incident response runbook covering missing credits, manual reconciliation, and webhook replay; runbook included in repository
Budget: $12,000
Deliverable 3.2: Mainnet Deployment of Full Stellar Stack
Production deployment of all components: Stellar adapter, send engine routing, SDP integration, Stellar Wallets Kit flows, and Bridge fiat rails. Production credentials, vendor agreements, and infrastructure configuration in place. Migration support for existing Bloccpay users opting into Stellar.
How to measure success:
30-day post-launch targets:
$30,000 in transaction volume processed on Stellar mainnet
30+ unique users transacting on Stellar mainnet
First Stellar-powered payroll completed in at least one African corridor within 14 days of launch
All Stellar mainnet transactions verifiable on Stellar Expert or stellar.expert
90-day stretch targets:
$100,000 in cumulative Stellar mainnet volume
At least one corridor (Nigeria, Kenya, or Ghana) with end-to-end Stellar payroll --> local fiat off-ramp validated with real customers
Public quarterly transparency report published with corridor-level metrics
Budget: $12,000
Deliverable 3.3: Monitoring, Alerting, and Operational Hardening
Production monitoring dashboards covering Stellar adapter health, trustline status, SDP batch state, Bridge webhook delivery, and off-ramp settlement times. Circuit breaker pattern extended to Stellar-specific failure modes (Horizon downtime, SDP API errors, Bridge service degradation). On-call runbook for Stellar incidents.
How to measure success:
Monitoring dashboards live in Bloccpay's production observability stack, covering Stellar adapter health, trustline status, SDP batch state, Bridge webhook delivery, and off-ramp settlement times
Alerts configured and verified via synthetic failure tests for: Horizon connection failures, SDP batch failures, Bridge webhook signature mismatches, reconciliation drift exceeding threshold, and settlement delays beyond corridor SLA
Budget: $7,000
Deliverable 3.4: Professional User Testing in Priority Corridors
Structured real-user testing of mainnet flows with at least 20 participants across Nigeria, Kenya, and Ghana. Test coverage includes Stellar payroll, external invoice payment via Wallets Kit, treasury funding via Bridge, and off-ramp via Bridge.
How to measure success:
20+ participants complete structured testing across three African markets
Findings report delivered covering UX gaps, technical issues, and feature requests
Remediation plan for critical issues, with timelines
Recorded user testing sessions (with permission) submitted as part of the deliverable
Budget: $5,000
Deliverable 3.5: Customer-Facing Materials and Corridor Transparency Reporting
In-product help docs for businesses setting up Stellar payroll and contractors withdrawing via Stellar. Recorded demos of the four primary flows. Public 30-day post-launch impact report on Stellar transaction volume details.
How to measure success:
Help docs published in Bloccpay's customer-facing help center
Demo videos linked from product onboarding
30-day post-launch impact report published with public URL
Budget: $4,000
Tranche 3 total: $40,000
Bloccpay is built by two founders whose backgrounds were made for this problem. We've known each other for the past 13 years.
Ajoke, Co-founder & CEO (https://www.linkedin.com/in/ajoke-asunmonu/): I hold a First Class Honours in Electrical & Electronics Engineering (the only woman in her cohort to achieve it) and spent the next 7+ years building a career at the intersection of technology and growth. At Flutterwave, I managed enterprise accounts including Wise and Luno, where I saw payment infrastructure gaps firsthand from the inside. I went on to lead multi-million dollar marketing initiatives at Procter & Gamble and LEGO across Middle East and Africa. I bring the go-to-market discipline and enterprise relationships that most technical founders have to learn the hard way.
Jennifer, Co-founder & CTO (www.linkedin.com/in/jennifer-echenim), is a Web3 developer with 8+ years of experience who has lived the problem Bloccpay solves; delayed crypto payments, punishing conversion fees, no income documentation. She has built and scaled products at Nubian (now Onboard), and contributed to Liquality and VeChain. She understands blockchain payment infrastructure not from theory but from shipping it.
Together we cover the full stack of what an early-stage fintech needs: Jennifer owns product and engineering, I own strategy and growth. Bloccpay is also a Techstars Founder Catalyst backed company and Circle Alliance Program member.
Jennifer Echenim
Ajoke Asunmonu
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