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https://github.com/kamalbuilds/stellar-mobile-money


https://github.com/kamalbuilds/stellar-mobile-money

stellar stellar-mobile-money

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# Stellar Mobile Money Bridge

> Bridging the gap between traditional mobile money services and the Stellar blockchain network for seamless cross-border transactions and financial inclusion.

## Problem Statement

Mobile money services have revolutionized financial access in developing regions, with 1.75 billion registered accounts generating $1.4 trillion in transaction volume (2023). However, these services often operate in isolation, lacking interoperability with:
- Traditional banking systems
- Digital currencies
- Cross-border payment networks
- Other mobile money providers

This fragmentation limits the utility and reach of mobile money services, particularly for:
- International remittances
- Cross-border commerce
- Access to global financial services
- Stable value storage options

## Solution

Stellar Mobile Money Bridge connects mobile money platforms to the Stellar network, enabling:
- Seamless conversion between mobile money and digital assets
- Access to Stellar's global payment infrastructure
- Integration with Stellar's anchor network for fiat on/off ramps
- Support for stable digital currencies like USDC

## Key Features

### Mobile Money Integration
- Support for major mobile money APIs (GSMA, Kora, MTN MoMo)
- QR code-based merchant payments
- Real-time transaction status tracking
- Automated mobile money account verification

### Stellar Network Features
- Stellar wallet creation and management
- Send/receive payments in XLM and other Stellar assets
- Support for multi-signature accounts
- Integration with Stellar's decentralized exchange

### Cross-Border Capabilities
- International remittances via Stellar rails
- Currency conversion through anchors
- USDC-based stable value storage
- Multi-currency support

### Security & Compliance
- Industry-standard encryption
- Multi-factor authentication
- KYC/AML compliance tools
- Transaction monitoring

## Technical Architecture

### Frontend
- Built with Next.js for optimal performance
- Responsive design for mobile and desktop
- Progressive web app capabilities
- Real-time transaction updates

### Stellar Integration
- Uses Stellar SDK for blockchain interactions
- Horizon API integration for network access
- Custom smart contract integration
- Automated transaction reconciliation

### Mobile Money Integration
- GSMA Mobile Money API compatibility
- Support for multiple providers
- Automated status tracking
- Error handling and retry logic

## Getting Started

1. Clone the repository:
```bash
git clone https://github.com/kamalbuilds/stellar-mobile-money
cd stellar-mobile-money
```

2. Install dependencies:
```bash
npm install
```

3. Configure environment variables:
```bash
cp .env.example .env.local
# Edit .env.local with your API keys
```

4. Run development server:
```bash
npm run dev
```

## Configuration

The application requires the following environment variables:

```env
# Stellar Network
NEXT_PUBLIC_STELLAR_NETWORK=testnet/public
NEXT_PUBLIC_HORIZON_URL=https://horizon-testnet.stellar.org

# Mobile Money APIs
NEXT_PUBLIC_KORA_API_KEY=your_kora_api_key
NEXT_PUBLIC_MOMO_API_KEY=your_momo_api_key

# Additional Services
NEXT_PUBLIC_API_URL=your_api_url
```

## Development Roadmap

- [x] Basic Stellar wallet integration
- [x] Mobile money payment processing
- [ ] Multi-provider support
- [ ] Enhanced security features
- [ ] Additional stable assets
- [ ] Advanced reporting
- [ ] Mobile app version

## Contributing

We welcome contributions! Please see our [Contributing Guide](CONTRIBUTING.md) for details.

## License

This project is licensed under the MIT License - see the [LICENSE](LICENSE) file for details.

## Support

For support and questions:
- Create an issue in this repository
- Contact our support team
- Join our Discord community

## Acknowledgments

- Stellar Development Foundation
- GSMA Mobile Money API team
- Mobile Money providers
- Open source community
---