sublime247/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. ```mermaid flowchart LR subgraph Source["📱 Source Mobile Money"] MTN["MTN MoMo Cameroon"] AirtelSrc["Airtel Money Nigeria"] OrangeSrc["Orange Money Senegal"] end subgraph Bridge["🌉 Mobile Money ↔ Stellar Bridge"] API["REST / GraphQL API"] MM["Mobile Money Service (debit / credit)"] Ledger["Double-Entry Ledger"] Fee["Dynamic Fee Engine"] Queue["BullMQ Job Queue + Redis"] Vault["Vault System"] end subgraph Stellar["💫 Stellar Network"] Horizon["Horizon API"] Assets["Assets XLM · USDC · Custom"] Soroban["Soroban Smart Contracts Escrow · HTLC"] end subgraph Dest["📱 Destination Mobile Money"] AirtelDst["Airtel Money Kenya"] Mpesa["M-Pesa Kenya"] OrangeDst["Orange Money Madagascar"] end MTN -->|"1. Deposit XAF"| API AirtelSrc -->|"1. Deposit NGN"| API OrangeSrc -->|"1. Deposit XOF"| API API -->|"2. Validate / Auth"| MM MM -->|"3. Debit wallet"| MTN MM -->|"3. Debit wallet"| AirtelSrc MM -->|"3. Debit wallet"| OrangeSrc MM -->|"4. Record tx"| Ledger Ledge …