Stablecoin Neobank

Give people a bank-style app for holding, sending, and saving USDC, with no seed phrase and no custodian holding their funds.

A consumer app on a passkey smart wallet. Users hold USDC, send to handles, set spending rules, and park money in goal-based savings pots. Licensed anchors handle cash in and cash out.

• 01Passkey-secured wallet with a USDC balance.
• 02Send and request by handle or QR.
• 03Savings pots with goals and lock rules.
• 04Spend limits and a payee allowlist enforced on-chain.
• 05Cash in and out through an anchor, plus statement export.

A Soroban custom account contract for spend rules, and a separate vault contract for pots using the SEP-41 token client. Anchor integration through SEP-10 auth and SEP-24 interactive flows, so KYC stays with the anchor. An indexer for history. Check regulatory scope before offering fiat features.

Shows what Stellar is built for: stablecoin payments, a global anchor network, and financial inclusion.

• Freelancers paid in USD
• Diaspora families
• People in high-inflation economies
• Small-business treasuries