Stellar Community Fund

By JetPad

Stellar USDC Cards, Tap-to-Pay & Yield

SCF #43

$74.5K

Build

Awarded

Products & Services

JetPad’s planned Stellar integrations are driven by validated user demand for greater utility, spendability, and yield on their stablecoin holdings beyond basic transfers.

We will expand Stellar USDC and XLM usage through three core integrations:

1. Virtual USD Cards (Global Payments)
JetPad will enable users to create and fund virtual USD cards directly with Stellar USDC/XLM, allowing seamless online payments and subscriptions globally.
Stellar Usage: USDC/XLM balances are used as the primary funding source, with real-time conversion and settlement via anchor infrastructure.
Impact: Drives consistent on-chain transaction volume through card funding and spend flows, increasing USDC velocity and enabling global usability of Stellar assets.

2. NFC Tap-to-Pay (Apple Pay & Google Pay)
Users will link their virtual cards to NFC payment systems, enabling contactless payments in physical retail environments worldwide.
Stellar Usage: Every tap-to-pay transaction is backed by Stellar-based balances, with backend settlement routed through Stellar and anchor integrations.
Impact: Introduces high-frequency, everyday transactions on Stellar, significantly expanding USDC usage into offline commerce and increasing transaction throughput.

3. Stellar DeFi Yield Integration (DeFindex)
JetPad will integrate Soroban-based DeFi protocols to allow users to earn yield on idle USDC/XLM directly within the app.
Stellar Usage: Assets are deposited into Soroban smart contracts for yield generation and automated reward distribution.
Impact: Increases Total Value Locked (TVL), improves user retention, and encourages long-term participation within the Stellar ecosystem.

Overall Impact
These integrations leverage Stellar USDC, anchor protocols, path payments, and Soroban smart contracts to transform JetPad into a full-stack financial layer for spending, payments, and earning—driving transaction volume, capital efficiency, and real-world adoption across emerging markets.

Requested Budget

$74.5K

Traction Evidence

JetPad is a live product with measurable real-world usage and transaction activity on the Stellar network.

Transactions (Q1 2026): 2,000+ (transfers, bill payments, on/off-ramp, swap)
Users: 1,500+
Markets: Nigeria, Ghana, Uganda, Tanzania, Kenya

All activity is verifiable:

Stellar Explorer (Paymaster sponsoring transactions):
https://stellar.expert/explorer/public/account/GDHJLWCL6U33SQH2JZUTPO6E7QMRBTZOIPDFIMVRNWD4QOBAWKQSEWSL
Anchor dashboard (Busha – transaction history):
https://drive.google.com/file/d/1Ts7DGIXcYMOrLMDMUBJ4GYKSoLLIIwZA/view
Fiat off-ramp (USDC → Naira):
https://drive.google.com/file/d/1ttZP_KY9lCl8OTI6gdOfkLLMXW-ZS_3o/view?usp=sharing
USDC transfers & payment flows:
https://drive.google.com/file/d/1bPNbJDcsYRIih6a3quhUyNQyFTpi4tpa/view?usp=sharing

JetPad enables stablecoin-powered bill payments, cross-border transfers via JetPad tags, and seamless fiat settlement through anchor integrations.

Product availability:

Apple App Store: https://apps.apple.com/ng/app/jetpad-buy-sell-crypto/id6748644408
Google Play Store: https://play.google.com/store/apps/details?id=com.jetpadwallet.app

Ecosystem validation:

DeFindex integration interest (Email from Defindex):
https://drive.google.com/file/d/18nIa83unml_6mDBTTkfHqgZsC3a8RJ0p/view?usp=sharing

Real-world adoption:

Event activations & user engagement (1,500–2,500+ attendees):
https://drive.google.com/drive/folders/1L27lK2Q6nmGx_g2MXduSYlVOGM2Iq316
JetPad was featured in the Hashed Emergent Nigeria Web3 Landscape Report 2025 as a leading product driving Web3 adoption in Africa: https://drive.google.com/file/d/1DRZ3lDghoq7wsUEhl76r3wXYTWctL8-v/view?usp=sharing

Community traction:

50,000+ followers on X:
https://x.com/JetPad_Finance

Tranche 1 (Deliverable Roadmap) - MVP

MVP (Core Integrations)

Timeline: 6 weeks
Budget: $28,000

1. Virtual USD Card Infrastructure (Bridge card integration - Core Build)

Description:
Build backend infrastructure to enable card creation and funding with Stellar USDC/XLM, including conversion and settlement logic.

Deliverables:

Card funding flow (USDC/XLM → card balance) functional on test environment
Backend APIs for card creation, funding, and transaction tracking
End-to-end demo (video) of card funding using USDC

2. NFC Payment Enablement (Foundation)

Description:
Implement card tokenization and prepare integration layer for Apple Pay / Google Pay.

Deliverables:

Tokenization-ready card system
Successful test linking card to NFC provider sandbox
Demo showing simulated tap-to-pay flow

3. DeFi Yield Integration (Soroban - DeFindex MVP)

Description:
Integrate with DeFindex smart contracts to enable deposit and yield accrual.

Deliverables:

Smart contract interaction (deposit/withdraw) on testnet
Backend service for yield tracking
Demo showing USDC deposit into yield contract

4. Supporting Backend & API Layer

Description:
Extend backend services to support cards, NFC, and yield flows.

Deliverables:

APIs: /card/create, /card/fund, /yield/deposit
Transaction indexing for new flows
Logging + monitoring setup

Tranche 2 (Deliverable Roadmap) - Testnet

Testnet (Integration & Expansion)

Timeline: 6–7 weeks
Budget: $24,000

1. Full Card Payment Flow (Testnet)

Description:
Enable real transaction simulation for card payments funded by Stellar assets.

Deliverables:

End-to-end flow: USDC → card → payment → settlement
Transaction logs + dashboard tracking
Recorded demo of real payment simulation

2. NFC Tap-to-Pay (Live Test Environment)

Description:
Complete integration with Apple Pay / Google Pay sandbox environments.

Deliverables:

Successful NFC payment test in sandbox
Demo video of tap-to-pay flow
Logs showing backend settlement tied to Stellar

3. Yield Optimization Layer (DeFindex Expansion)

Description:
Enhance yield UX and integrate reward tracking.

Deliverables:

UI for yield positions + rewards
Auto-compounding or reward tracking logic
Testnet metrics showing deposits & yield accrual

4. QA, Monitoring & Stress Testing

Description:
Ensure system reliability across all integrations.

Deliverables:

QA reports published (GitHub or docs)
Load testing results
Error handling + retry mechanisms

Tranche 3 (Deliverable Roadmap) - Mainnet

Mainnet (Deployment & Scale)

Timeline: 4–6 weeks
Budget: $22,500

1. Mainnet Deployment (All Features)

Description:
Deploy card funding, NFC payments, and yield integration to production.

Deliverables:

Live card funding using USDC/XLM
Live yield deposits via Soroban contracts
Production APIs fully operational

2. Real-World Payment Execution

Description:
Enable real-world usage of cards and NFC payments.

Deliverables:

Verified card transactions (screenshots/videos)
NFC tap-to-pay real usage demo
On-chain transaction verification

3. Public API & Documentation

Description:
Provide developer access and documentation.

Deliverables:

API documentation (Postman / docs site)
Integration guides
Example flows

4. Monitoring, Analytics & Reporting

Description:
Track usage and performance post-launch.

Deliverables:

Dashboard showing:
- transaction volume
- card usage
- yield TVL
Monthly reporting metrics

Team

Core Team

Valentine Ezekwonna (CEO | Blockchain & Software Engineer)
Valentine is a full-stack software engineer with 5+ years of experience building scalable fintech and blockchain applications. As the founder of JetPad, he leads product architecture and development, designing a non-custodial smart wallet powered by account abstraction, gasless transactions, and seamless fiat on/off-ramp integrations. His expertise spans Stellar, smart contracts, backend systems, and mobile-first financial infrastructure. He has also built products like JetPad Airdrop Launchpad and has spoken at blockchain events on real-world adoption in Africa.
LinkedIn: https://www.linkedin.com/in/valentine-blaze/

Github: https://github.com/V-Blaze
Oti Joseph Ifeanyi (CTO | Full-Stack & Mobile Engineer)
Joseph leads JetPad’s technical execution, building scalable web and mobile systems that power core product functionality. He focuses on performance, reliability, and seamless user experience across the platform.
LinkedIn: https://www.linkedin.com/in/oti-joseph-ifeanyi/

Github: https://github.com/ifeanyi305
Amaka Laura konwea (Product Manager)
Amaka drives product strategy and user experience, ensuring JetPad remains intuitive and aligned with real user needs. She translates user feedback into actionable features that improve adoption and usability.
LinkedIn: https://www.linkedin.com/in/amakalaurakonwea/
Praise Onuche (Brand Manager | Content Strategist)
Praise leads brand, communications, and growth, driving user acquisition through storytelling, content, and strategic positioning. She ensures JetPad remains accessible and trusted across its target audience.
LinkedIn: https://www.linkedin.com/in/praise-onuche-2965a7228/