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Solstice

Know who pays before you leave.

Check which bills your employer can cover and which qualify for financing.

Start with your bills

Maria's remittance slip

Test USDC

  1. Training190.00

    RemitCo pays the training centre. Maria owes 195.70: the 190 plus a one-time 3% fee.

    Paid
  2. Medical exam65.00

    Her employer can pay the clinic. If it does, Maria owes nothing for this bill.

    Employer can pay
  3. Philippine recruiter placement feenone

    Outside the demo funding policy, so RemitCo does not pay it.

    Not paid

Stellar testnet demo. Fictional people, test tokens.

Then Maria sends 400 home

One transfer at a 15% share, split in one transaction.

400.00

340.00to Lorna

60.00to RemitCo

What Maria owes RemitCo

195.70down to135.70

The dashed part is the 60.00 this transfer repays.

Follow one loan, start to finish

  1. Maria checks her bills
    Worker
  2. The training centre confirms its amount
    Provider
  3. RemitCo pays the training centre directly
    Funder
  4. Maria sends 400 home
    Worker
  5. Anyone checks the receipt on Stellar
    Public
Test every role (mock mode)

Role links switch accounts in mock mode.

  1. Submit billsWorker
  2. Confirm the training invoiceTraining provider
  3. Confirm the medical invoiceClinic
  4. Finance the training billFunder
  5. Pay for the medical examEmployer
  6. Send money homeWorker
  7. See money receivedFamily
  8. Manage provider approvalsAdmin

Public receipts

Track what was paid and what the worker still owes.

Every payment can be checked on Stellar Expert

  • Loading receipts…

Why each side uses Solstice

  • Worker

    No cash upfront and no high-interest lender. She repays only when she sends money home, at most 15% of each transfer.

  • Remittance partner (funder)

    Pays the bills and wins a customer for years. It is repaid through transfers it already carries, on terms it can't break, so workers can trust it.

  • Employer (optional)

    Optional

    Can pay the costs it already owes straight to the clinic before the helper leaves. A helper who starts without a high-interest loan is less likely to bring debt collectors to its door.

What the contract enforces, and what the app checks

Enforced by the Stellar contract

Enforced
  • Only the worker can send money. The funder can never take money from her account.
  • The repayment share is at most 15% and can't drop below the share she agreed.
  • The fee is at most 8% and is locked when the bill is paid.
  • The funder never receives more than is owed.
  • Money goes only to a registered provider, after it confirms the exact amount.
  • Each bill can be paid only once.
  • Every transfer splits between the funder and the family in one transaction.

Checked by the app, not the contract

App checks

The funder's policy: which bills it pays, and the most it pays for each. Solstice records only what runs through it, so it can't stop a recruiter asking for cash elsewhere.