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By Cartwey
Cartwey is a self-checkout platform revolutionizing retail experiences in supermarkets, grocery stores, and mini-marts. By integrating Stellar blockchain technology and the Beans Merchant SDK ,which connects to NGNC issued by Link, Cartwey enables customers to pay securely and efficiently using cryptocurrencies like XLM, USDC, and NGNC and other currencies supported on beans, directly from their mobile devices—no checkout queues, no cash handling. Beans handles all swaps and conversions, ensuring seamless settlement for merchants in local currency.
CARTWEY ECOSYSTEM
Customer Mobile App (iOS & Android):
Enables users to scan product barcodes, view prices, and check out using crypto (via Beans Wallet) or local fiat payment options. Designed for speed and simplicity.
iOS: Download here
Android: Download here
Merchant Dashboard:
Allows store owners to manage products, view real-time transactions, and monitor sales performance. Includes support for dynamic pricing and inventory sync.
Stellar USDC Integration via Beans SDK:
Supports crypto payments in USDC and other currencies available through Beans. Regardless of the asset used at checkout, Beans handles the on-chain conversion to NGNC and sends the equivalent to Cartwey for merchant settlement. This ensures merchants always receive payouts in NGN while giving customers global currency flexibility.
Multi-Payment Options (via Paystack):
Accepts bank transfers, card payments, and USSD in addition to crypto — giving customers flexibility while reducing cart abandonment.
Receipt & Notification System:
Customers get instant e-receipts after checkout. Merchants get notified of sales and inventory changes in real time.
Maybe in the future, but not in this submission
$60.0K
Cartwey must enable small to large retail merchants (e.g., supermarkets, gadget stores, corner shops) to accept stablecoin payments effortlessly.
Beans Wallet should support all essential retail transactions, including product scan-to-pay, instant merchant settlements, and cashback/loyalty integration.
Beans Wallet should also power top-up options for customers preferring to pre-load their wallet for faster checkout.
Payments must be processed in real-time, with immediate confirmation shown to both customer and merchant.
Webhooks must handle event-based updates like transaction success, refund triggers, and balance updates.
Offline QR fallback (optional) ensures basic checkout even when internet access is poor.
The checkout process must be fast, intuitive, and mobile-first, allowing users to scan items and pay within seconds.
Merchants must receive automated receipts, transaction breakdowns, and daily summaries.
The dashboard should simplify configuration of tokens, refund preferences, and reporting access.
Beans Wallet should be deeply integrated into Cartwey's store dashboard and mobile app, ensuring that crypto payments feel native—not an addon.
The backend infrastructure must support multi-merchant onboarding, allowing hundreds of stores to operate simultaneously.
Financial reporting must clearly show crypto inflow, token conversions, and stablecoin balances for easier bookkeeping and regulatory clarity.
By successfully implementing this roadmap, Cartwey will become one of the first African retail payment platforms to offer smooth, decentralized self-checkout with crypto. This will:
Normalize USDC/NGNC as modern retail currencies.
Attract forward-thinking merchants and crypto-native consumers.
Position Cartwey as a leading gateway for real-world stablecoin adoption.
Cartwey is developing a retail shopping solution that enables customers to scan and pay for products directly through their mobile devices. By integrating with Beans Wallet, we're leveraging their established Nigerian presence to create a frictionless payment experience for both merchants and shoppers using Stellar blockchain technology.
Beans Wallet has already established significant market presence in Nigeria through:
Ambassador Network: beasns have an Active representatives across major Nigerian cities who promote digital payment adoption
Existing User Base: Thousands of Nigerians already comfortable with cryptocurrency transactions
Stellar Infrastructure: Proven USDC/NGNC conversion pathways utilizing the Stellar network
Simplified onboarding process allowing stores to begin accepting Stellar payments within 24 hours
Merchants receive a dedicated Stellar account automatically configured during registration
No specialized hardware required—merchants can use existing smartphones or tablets
Customers scan store QR code once to identify merchant
Product barcodes are scanned directly with the CartWey app
Checkout completed through existing Beans Wallet with no additional registration
Digital receipts and transaction history stored automatically
Merchants receive NGNC settlements directly to their Stellar accounts
Configurable settlement schedules (daily, weekly, or on-demand)
Real-time transaction reporting and settlement notifications
Comprehensive transaction history and financial analytics
Deploy in Lagos, Abuja, and Port Harcourt retail districts
Target markets, convenience stores, and medium-sized grocery outlets
Leverage highest-performing Beans ambassadors for initial merchant acquisition
Goal: 200 active merchants and 5,000 customers
Expand to secondary cities including Ibadan, Kano, and Benin City
Introduce to larger retail chains and established market associations
Scale ambassador program with performance-based incentives
Goal: 500 additional merchants and 15,000 new customers
Roll out to remaining state capitals and commercial centers
Develop industry-specific retail solutions
Establish regional support hubs for merchants
Goal: 2,000 total merchants and 50,000 active users
Retail-Specific Design: Unlike generic payment solutions, CartWey's scanning and checkout flow is optimized specifically for Nigerian retail environments
Existing Ecosystem Integration: Leverages Beans' established wallet infrastructure rather than requiring new app downloads
Stellar Network Benefits: Lower transaction fees, faster settlement, and NGNC stability compared to traditional payment methods
Nigeria-First Approach: Built specifically for Nigerian retail contexts, not adapted from Western markets
Closed Testing : over 230+ opt in for close testing for fiat self check out
Stellar Kickstart Camp :SCF already backed us with $10,000 XLM in Kickstart Camp.
Partnership with Beans for stablecoin checkout integration
Cartwey mobile app uploaded to Google Play Store and app store
Paystack integration completed to enable fiat self-checkout
transaction volume testing and flow validation
This link explains in more details and show concrete proof/Evidence of our Traction: Cartwey– Traction Evidence for SCF Build Award Consideration
Budget: $21,000
Total Hours: 395 (240 dev + 155 test)
Objective:
Provision each merchant with a unique Stellar wallet on registration and connect it to Beans for NGNC or fiat payouts.
Features:
Automatic Stellar wallet creation for every merchant account
Secure key management and storage
Beans integration in merchant dashboard for payout configuration
Merchant choice of settlement currency (NGNC on-chain or NGN via auto-conversion)
Measurement of Completion:
Stellar wallet created and linked at merchant signup
Merchant payout preference stored and configurable in dashboard
NGNC test transaction verified via Beans API
Timeline: 2 weeks
Budget: $5,400
Objective:
Enable real-time payments and settlement between Beans Wallet and Cartwey using Stellar assets.
Features:
Process user payments in USDC, XLM, or other Beans-supported tokens and ccurrencies
Beans auto-converts to NGNC and sends to merchant Stellar address
Trigger webhooks for instant status updates
Automated refunds for failed/canceled transactions
Measurement of Completion:
Transactions processed end-to-end via Stellar
Webhooks update status within seconds
Refund logic confirmed in test environment
Timeline: 4 weeks
Budget: $8,000
Objective:
Notify customers and merchants instantly about Stellar-based payments, refunds, and settlements.
Features:
Email & push notification templates for payment confirmation, refunds, and settlement updates
Event-driven triggers from Stellar payment events
Merchant-configurable notification settings
Measurement of Completion:
Notifications triggered automatically on testnet events
Templates editable from dashboard
Successful merchant and customer confirmations verified
Timeline: 1 week (parallel)
Budget: $6,600
Budget: $19,500
Total Hours: 368 (220 dev + 148 test)
Deliverable 4: Reporting Dashboard & Analytics
Objective:
Give merchants visibility into crypto sales and transaction history.
Features:
Token-wise sales breakdown
Exportable CSV of transaction logs
Real-time transaction statuses
Measurement of Completion:
Dashboard live and responsive
CSV download works
Real-time data visible
Timeline: 2 weeks
Budget: $4,500
Deliverable 5: Customer Checkout via QR Workflow
Objective:
Allow customers to pay by scanning QR codes that direct them to the Beans app.
Features:
Dynamic QR code generation per transaction
Redirect to payment link in Beans Wallet
Sync status between merchant & user dashboard
Measurement of Completion:
QR payments functional
Status reflects across dashboards
QR regenerates per transaction
Timeline: 3 weeks
Budget: $5,000
Deliverable 6: Dynamic Stellar Checkout Address (New)
Objective:
Generate a unique Stellar address at checkout for customers paying directly from any Stellar wallet, without requiring Beans app usage.
Features:
On-demand Stellar wallet generation per order
Payment tracking and linking to the correct order
Automatic NGNC conversion via Beans API after receipt
Support for any Stellar asset accepted by Beans
Measurement of Completion:
Checkout wallet generation works for all test transactions
Payments auto-detected and order marked as paid
Funds routed correctly to merchant’s configured payout method
Timeline: 3 weeks
Budget: $5,000
Deliverable 7: Webhooks & Refund Automation
Objective:
Automate transaction handling through webhook events and refunds.
Features:
Real-time webhook updates from Beans
Trigger automatic refund on failure
Send receipt after refund
Measurement of Completion:
Webhooks tested and reliable
Refunds initiated and logged
Receipt sent to user
Timeline: 3 weeks
Budget: $5,000
Budget: $20,500
Total Hours: 382 (240 dev + 142 test)
Deliverable 8: Customer Wallet Top-Up & Checkout
Objective:
Enable users to top-up their Cartwey wallet using fiat or Beans and pay for purchases.
Features:
Top-up via bank/fiat or Beans Wallet
View updated wallet balance
Checkout using wallet balance
Measurement of Completion:
Top-up reflects instantly
Balance updates and is usable
Checkout flow functional
Timeline: 4 weeks
Budget: $8,500
Deliverable 9: Merchant Dashboard (Crypto-Enabled)
Objective:
Allow merchants to manage inventory, products, pricing, and view crypto payouts via Beans Wallet.
Features:
Product upload & inventory management
Set pricing in NGN
View crypto payouts in NGNC
Measurement of Completion:
Inventory updates in real-time
Crypto payouts visible
UI responsive and mobile-friendly
Timeline: 4 weeks
Budget: $8,000
Prince Eniola Egbedele - CO founder CEO
As the co-founder and visionary behind Cartwey, I bring a strong background in technology and user experience, having previously worked as a machine learning engineer on projects like Fresh Save, which focused on barcode technology. My deep understanding of blockchain technology, reinforced by my work as a Stellar ambassador, enables me to seamlessly integrate Stellar into Cartwey, ensuring a robust and innovative payment solution.
Emmanuel Oloyede – Cofounder CMO
Emmanuel Oloyede is a dynamic Chief Operating Officer with a strong track record of driving business growth, optimizing operations, and fostering innovation. With expertise in strategic planning, team leadership, and operational efficiency, he plays a pivotal role in scaling businesses and ensuring seamless execution of company objectives.
As a visionary leader, Emmanuel excels at streamlining processes, improving productivity, and building high-performing teams. His ability to balance strategic foresight with hands-on execution enables him to navigate complex business environments and drive sustainable success.
Passionate about innovation and excellence, Emmanuel is dedicated to fostering a culture of collaboration and continuous improvement, making him a key force behind any organization's long-term success.
Kolade Daniella – Tech Product Marketer
Kolade Daniella is a results-driven tech product marketer with a passion for driving growth and adoption for innovative digital solutions. With a keen understanding of market trends and user behavior, she specializes in crafting compelling go-to-market strategies, optimizing brand positioning, and executing data-driven campaigns that deliver measurable impact.
With experience in launching and scaling tech products, Kolade has successfully led marketing initiatives that bridge the gap between cutting-edge technology and real-world user needs. Her expertise spans content marketing, digital advertising, community engagement, and strategic partnerships. Whether it's SaaS, fintech, blockchain, or AI-driven solutions, she thrives on creating marketing narratives that resonate with target audiences and drive conversions.
Owolabi Philp: Our Senior Developer, has extensive experience in mobile app development and blockchain integration. Their expertise in Reactnarive, the framework we use for Cartwey’s front end, ensures a smooth and responsive user experience.
Ruaf Our Backed Developer, with a background in fintech and experience working with payment gateways like Paystack. Their knowledge ensures that Cartwey’s payment processing is secure, efficient, and adaptable to both traditional and blockchain-based payments.
Eniola
Deconsultagency
By Cartwey
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