Stellar-MobileMoney/mobile-money

A production-ready backend bridging African mobile money (MTN, Airtel, Orange) with Stellar blockchain for instant cross-border payments and remittances. # Mobile Money ↔ Stellar Bridge A backend service that bridges African mobile money providers (MTN MoMo, Airtel Money, Orange Money) with the Stellar blockchain network — enabling low-cost cross-border payments and remittances across Africa and beyond. ## 🌟 The Problem Sending money across African borders is expensive and slow. Traditional remittance services charge 7–10% in fees and take hours to days. Meanwhile, **500+ million people** across Africa already use mobile money for everyday transactions — but mobile money stops at the border. ## 💡 The Solution This platform connects mobile money wallets to the Stellar blockchain, allowing users to: 1. **Deposit** mobile money (XAF) → receive Stellar tokens (XLM, USDC) 2. **Transfer** tokens across Stellar's network in ~5 seconds, for fractions of a cent 3. **Withdraw** Stellar tokens → receive mobile money in the destination country The sender and recipient interact with their familiar mobile money apps. Stellar handles the cross-border settlement invisibly. ``` 📱 MTN MoMo (Cameroon) 📱 Airtel Money (Kenya) │ ▲ ▼ │ ┌─────────────────────────────────────────────────────────────────┐ │ Mobile Money ↔ Stellar Bridge │ │ │ │ Deposit (XAF → USDC) ──► Stellar Network ──► Withdraw │ │ (settles in ~5s) │ └─────────────────────────────────────────────────────────────────┘ ``` ### Use Cases - **Remittances** — Send money home across borders at ~1–2% vs 7–10% with traditional services - **Cross-border B2B payments** — Pay suppliers in other African countries without expensive wire transfers - **Stable savings** — Convert volatile local currency to USDC via mobile money - **Merchant payments** — Accept crypto, settle in local mobile money - **D …