Escelit/RemitSave

RemitSave Africa is an end-to-end platform that lets the African diaspora send money home while simultaneously building savings — automatically. Every remittance can be split on-chain: a percentage goes directly to the beneficiary's mobile money, and the remainder is deposited into yield-bearing savings vaults (fixed deposits, T-bill pools, etc) # RemitSave Africa **Cross-border remittances + automated savings, powered by Stellar & Soroban** RemitSave Africa is an end-to-end platform that lets the African diaspora send money home while simultaneously building savings — automatically. Every remittance can be split on-chain: a percentage goes directly to the beneficiary's mobile money, and the remainder is deposited into yield-bearing savings vaults (fixed deposits, T-bill pools, or goal-based plans). --- ## Table of Contents - Vision - Why This Matters - System Architecture - Smart Contracts (Soroban) - Data Models - Contract Interface - Key Flows - Frontend - User App (Diaspora Sender) - Beneficiary App (Web + USSD) - Shared Component Library - Backend / Off-Chain Services - Anchor Relayer Service - Schedule Keeper - Webhook & Notification Service - Price Oracle Adapter - Analytics & Reporting Service - Infrastructure - Cloud Architecture - CI/CD Pipeline - Monitoring & Observability - Disaster Recovery - User Flows - Diaspora Sender Onboarding - Beneficiary Onboarding - Send + Auto-Save - Savings Goal Creation - Beneficiary Withdrawal - Yield Distribution - Security - Regulatory & Compliance - Development Setup - Testing Strategy - Roadmap - Contributing - License --- ## Vision > **Every remittance is also a savings deposit.** The African diaspora sends over **$100B annually** back home, yet the average remittance recipient has no formal savings account. Meanwhile, diaspora users who want to save or invest at home face a painful round-trip: convert USD → send → convert back to local currency → save → convert again when needed. Each hop bleeds value in FX spreads and fees. **RemitSave eliminates the round-trip FX cost entirely.** By letting diaspora users save directly into local-currency instruments (T-bills, fixed deposits, mutual funds) in their home country, remittance becomes the *funding mechanism* and savings becomes the *product*. A dollar sent from London can flow straight into a N …