RemitChain-HQ/remitchain

RemitChain — Open-source SDK & Soroban smart contract protocol for non-custodial cross-border remittance corridors on Stellar. Built for Africa: NGN, GHS, KES corridors. Escrow contracts, DEX path payments, SEP-24/31 anchors. Fix, Merge, Earn on Drips Wave. # RemitChain > **Open-source developer SDK and protocol for building non-custodial cross-border remittance corridors on the Stellar blockchain — targeting Africa.** --- ## Table of Contents - Overview - The Problem - How RemitChain Works - Supported Corridors - Architecture - Tech Stack - Repository Structure - Getting Started - Prerequisites - Installation - Running the Demo - Connecting to Testnet - SDK Usage - Initialize the Client - Send a Remittance - Resolve a Federation Address - Query Transaction Status - Smart Contracts - Escrow Contract - Settlement Contract - Building Contracts - Running Contract Tests - SEP Anchor Integrations - SEP-24 — Interactive Deposit/Withdrawal - SEP-31 — Cross-Border Payments - Monetization Layer - Roadmap - Contributing (Drips Wave) - Security - License --- ## Overview **RemitChain** is an open-source SDK and Soroban-based smart contract protocol that enables developers to build non-custodial, permissionless remittance applications on the Stellar network. It provides all the primitives you need — escrow contracts, DEX path payments, SEP-24/31 anchor integrations, and a Federation resolver — to ship production-grade cross-border payment corridors targeting Nigeria (NGN), Ghana (GHS), and Kenya (KES). **This is infrastructure for builders.** If you are building: - A diaspora remittance app - An on-chain payroll system for African contractors - A B2B cross-border settlement layer - A fintech product that needs a Stellar payment backbone ...then RemitChain gives you everything except the UI. --- ## The Problem Sending money from the UK, US, or Canada to Nigeria, Ghana, or Kenya is slow, expensive, and opaque. | Problem | Reality | |---|---| | **Cost** | Average cost of sending $200 to Sub-Saharan Africa is **8.2%** — the highest corridor globally (World Bank, 2024) | | **Speed** | Bank wires: 2–5 business days. Mobile money: same-day but high fx markup | | **Custody** | Senders hand money to an operator and trust …