Stellar Community Fund

By DomiPago

DomiPago: Chat-Based Stellar Remittances

SCF #37

$110.0K

Build

Awarded

Send money to the Dominican Republic through a simple WhatsApp chat—powered by Stellar USDC, with zero crypto experience needed.

Products & Services

DomiPago turns a simple WhatsApp chat or web session into a full‑featured remittance hub.

What senders can do

Quote & lock FX instantly – type “Rate” in WhatsApp or click “Check rate” on the web/app to see a live Stellar‑USDC quote in <1 s.
Fund in one tap – approve a bank, card, or SEPA/Interac pull; we mint USDC on Stellar and move it across‑border in seconds.
Smart address book – save beneficiaries and pre‑set amounts (“Send 100 USD to mamá” auto‑fills the flow).
Real‑time receipts & history – every on‑chain transaction ID and status update appears in chat and in the app’s timeline.
Conversational support – the same chat thread handles FAQs, rate alerts, and payment confirmations—no new app to learn.

What receivers can do

Request funds with context – choose “Groceries”, “School fees”, etc.; a payment link is pushed to the sender’s chat in seconds.
Choose how to get paid – bank deposit, wallet top‑up, or soon QR cash‑out—all selected inside WhatsApp or the web portal.
Instant in‑chat notifications – “Funds delivered” messages arrive the moment Stellar USDC is off‑ramped.
Personal ledger – view incoming amounts, purposes, and senders in a clean, mobile‑first history.

What makes DomiPago different

Chat‑first UX – no separate app download is required; the entire flow lives in a WhatsApp conversation most users already trust and use daily.
Stellar‑native settlement – every transfer rides USDC on Stellar, delivering sub‑second speeds and near‑zero fees that traditional rails can’t match.
Two‑way dynamic – receivers aren’t passive; they trigger requests, set purposes, and steer payout preferences, turning remittances into a dialogue.
Multi‑surface access – identical functionality is mirrored in a responsive web/app for users who prefer a traditional interface.
Consumer‑grade simplicity, crypto‑grade transparency – senders and receivers experience a 60‑second flow, while every hop is verifiable on‑chain.

DomiPago hides the complexity behind crypto, wraps it in everyday chat, and delivers value where it’s felt immediately: family support that arrives faster, cheaper, and with zero guesswork.

Soroban

Yes

Requested Budget

$110.0K

Success Criteria

Success for DomiPago is measurable in three data‑driven dimensions—adoption, usage, and ecosystem impact—within 12 months of mainnet launch:

Adoption
- ≥ 15 000 total users onboarded, of which 40 % are monthly actives (≥ 6 000 MAU).
- At least 5 banking partners in the DR embed the “Request via DomiPago” flow, giving us sustained receiver acquisition at <$5 paid CAC.
Usage
- Cumulative remittance volume ≥ USD 1.5 million, processed across ≥ 6 000 transfers.
- Average active user sends ≥ 3 transfers per month; month‑over‑month retention ≥ 50 %.
- Average door‑to‑door settlement time ≤ 40 seconds; average fee savings vs. legacy rails ≥ 50 %.
Ecosystem impact on Stellar
- ≥ 75 % of total volume settles as USDC on Stellar rails, evidenced by on‑chain transaction hashes.
- 1 000+ Soroban escrow contracts executed in production, securing ≥ USD 250 K.
- Publish open‑source docs and SDK snippets; target ≥ 3 external developers or wallets integrating our escrow status endpoint.

Hitting these metrics means tens of thousands of dollars saved in fees for Dominican families, thousands of new users interacting with Stellar for the first time, and a live Soroban use case that demonstrates real‑world programmable money at scale.

Go-To-Market Plan

1. Anchor the receiver side through Dominican banks (Month 0).
We are finalizing integrations with two Tier‑1 banks that collectively hold >60 % of retail deposit accounts. Each bank will add a “Solicitar dinero con DomiPago” button inside its mobile app and WhatsApp broadcast lists. When a customer taps it, our bot pre‑fills a payment request linked to the user’s IBAN—no app download, no new KYC. The bank wins higher deposit inflow and an innovation headline; we instantly gain thousands of verified receivers with near‑zero CAC.

2. Pull in senders with co‑branded corridors (Months 0-3).
Once requests are flowing, we flip on diaspora‑side acquisition through:

Visa “Back‑to‑School” and “Navidad” co‑promos (landing pages + interchange rebates) targeting U.S./CA cardholders who already send money home.
Diaspora NGOs & hometown associations that can share referral codes in group chats; each first remittance earns the receiver a fee waiver and the NGO a small donation paid out of spread.
Influencer live demos on TikTok/Instagram showing “Watch me send $50 in 40 seconds.”

3. Reinforce virality with product‑led loops (Months 3‑6).
Every successful payout pushes a “Share your link” nudge to both sides. Because the entire flow lives in WhatsApp, a single tap forwards that request into family group chats, multiplying exposure at marginal cost ≈ $0.

4. Expand corridors once liquidity flywheel spins (Months 3‑12).
With DR receivers activated and U.S. volume ramping, we replicate the same playbook for EU SEPA and Canada Interac senders, using local bank newsletters and ethnic‑media radio to seed the first wave.

Traction Evidence

Since launch, DomiPago has proven that WhatsApp-based remittances are not just possible—they’re preferred. By removing the need for apps or crypto knowledge, we’ve built a product that fits seamlessly into users’ daily lives while delivering real-time financial value. Our traction reflects not just early adoption, but strong signals of product-market fit, retention, and readiness to scale with Stellar rails.

$676 K in remittance volume moved to date—all generated organically, with zero paid advertising.
+3 000 users onboarded**, with**  25 % monthly actives—driven primarily by WhatsApp referrals and diaspora community word‑of‑mouth.
High engagement: each active sender completes 3.7 transfers on average, at an $233 average ticket, covering both micro‑ and mid‑sized remittances.
Retention that signals stickiness: 50 % month‑over‑month retention—half of first‑time senders return the very next month, outperforming most retail‑remittance benchmarks.
Operational proof‑points: end‑to‑end settlement ≤ 40 s; customer‑support median response < 5 min through the same chat thread.
Market validation: recently launched joint campaigns with Visa and multiple Dominican banks, promoting DomiPago inside their user bases to request funds via our WhatsApp flow—setting the stage for a substantial growth surge over the coming quarters.

Tranche 1 (Deliverable Roadmap) - MVP

Deliverable 1 – EU SEPA on‑ramp via Bridge
Extend our existing Bridge integration so euro deposits (SEPA) mint USDC on Stellar and appear in WhatsApp. Completion = 20 end‑to‑end SEPA transfers in staging; internal QA is bundled into development hours. Budget $18 000 (backend + chat integration hours).

Deliverable 2 – Canada Interac on‑ramp via Borderless
Wire Borderless Payments into the same flow for CAD deposits. Completion = 20 CAD → USDC transfers in staging. Budget $18 000 (API integration, compliance coding, chat hooks).

Deliverable 3 – Multi‑corridor FX & quote engine
Unify FX look‑ups; guarantee sub‑second quotes for US/EU/CA corridors. Completion = latency under 1 s in load test. Budget $2 000 (backend optimisations).

Tranche 2 (Deliverable Roadmap) - Testnet

Deliverable 4 – Soroban escrow contract (testnet)
Build the contract that locks USDC until the receiver accepts in chat (24 h auto‑release). Completion = contract live on testnet; 50 escrow cycles succeed. Budget $16 000 (contract coding + unit tests). External audit is covered by LaunchKit credits; no SCF funds used.

Deliverable 5 – Chat‑embedded escrow UX
Add “Send with escrow / Accept funds” buttons; wire to testnet contract. Completion = 25 users complete full flow. Budget $6 000 (bot front‑end work).

Deliverable 6 – Monitoring & oracle service
Deploy indexer that listens to Horizon & Soroban events and fires webhooks. Completion = 99.5 % uptime over 30 days. Budget $4 000 (backend hours; infra covered by LaunchKit).

Deliverable 7 – Hybrid‑custody prototype (SEP‑10)
Implement WebAuth + SEP‑10 for optional key export. Completion = 25 testnet accounts migrated. Budget $10 000 (backend & front‑end hours).

Tranche 3 (Deliverable Roadmap) - Mainnet

Deliverable 8 – Harden & deploy Soroban escrow on mainnet
Refactor contract based on testnet findings, run external audit (LaunchKit credit), and migrate to mainnet. Completion = audit report shows no critical issues; contract deployed. Budget $14 000 (developer remediation, deployment scripting, gas costs).

Deliverable 9 – Production rollout & migration
Make escrow the default settlement path in WhatsApp. Completion = first 100 mainnet escrows and $250 K secured volume within 60 days. Budget $14 000 (chat‑flow refactor, migration scripts, load tuning).

Deliverable 10 – Post‑launch monitoring & developer docs
Scale metrics to 1 000 concurrent escrows and publish open‑source docs so third‑party wallets can query escrow status. Completion = load test passes and docs merged to GitHub. Budget $8 000 (backend hardening + documentation hours).

Team

DomiPago is powered by a multidisciplinary team of 7 professionals with deep experience in fintech, payments, product design, software engineering, and growth. The founding team combines backgrounds in global financial institutions, high-growth startups, and user-first digital product development—equipping us with both strategic insight and executional capability.

With prior experience at companies like Visa, Kayak, and agencies **(**McCann, BBDO), the team understands the complexities of financial ecosystems and has successfully launched products across regulated markets. This gives DomiPago a unique advantage in navigating compliance, integrating on/off-ramps, and crafting user experiences that build trust in emerging financial solutions.

The team’s on-the-ground presence in the Dominican Republic and across the diaspora in the US and Europe gives them direct access to both sides of the remittance equation—allowing for rapid iteration, customer feedback loops, and true product-market fit. From backend scalability to WhatsApp-based UX and local partnerships, the team is fully equipped to scale DomiPago into a category-defining solution for social, compliant, and cost-efficient cross-border payments.

Core Team: