Offline Community Wallet & Partner Management Portal

[Proposal setup] Proposal title

Please provide your proposal title

Offline Community Wallet & Partner Management Portal

[Proposal Summary] Budget Information

Enter the amount of funding you are requesting in ADA

95000

[Proposal Summary] Time

Please specify how many months you expect your project to last

7

[Proposal Summary] Problem Statement

What is the problem you want to solve?

Current web3 wallet implementations ignore 2.6 billion offline people—mostly in rural or underserved areas-—and 600 million feature phone users perpetuating global economic inequality.

[Proposal Summary] Supporting Documentation

Supporting links

• https://docs.google.com/presentation/d/15hjwXZxilB-apn4RQHFuxZVe2jrLcXDVki1nLiKAPMk/edit?usp=sharing

[Proposal Summary] Project Dependencies

Does your project have any dependencies on other organizations, technical or otherwise?

Yes

Describe any dependencies or write 'No dependencies'

SMS Service Provider & Off-ramp Partner

[Proposal Summary] Project Open Source

Will your project's outputs be fully open source?

Yes

License and Additional Information

This project is licensed under the GNU Affero General Public License v3.0 https://gitlab.com/xcapit-foss/app/-/blob/e5c8680dac6db148e6b3f8094c896d2cf864e7b5/LICENSE

[Theme Selection] Theme

Please choose the most relevant theme and tag related to the outcomes of your proposal.

Wallet

[Campaign Category] Category Questions

Describe what makes your idea innovative compared to what has been previously funded (whether by you or others).

Our solution demonstrates decentralized blockchain potential for offline, inclusive finance at scale. We're pioneering a breakthrough use case that extends cryptocurrency access to previously unreachable communities.

By combining offline usability with blockchain-based tokenization, it empowers communities to access, track, and transact with digital assets safely, while promoting financial inclusion and ecosystem adoption in regions with limited connectivity.

Describe what your prototype or MVP will demonstrate, and where it can be accessed.

The MVP will showcase our SMS-enabled, offline wallet in a real-world pilot with an NGO and beneficiaries. It demonstrates account setup via SMS, fund transfers, sponsored accounts, and simple account management. A partner portal highlights automated fund distribution through smart contracts, dashboards for traceability, and claimable balances lev.r ging Aiken. The pilot will also test frictionless merchant payments, confirming transactions via SMS without apps, credit, or internet access.

https://github.com/xcapit/offline-wallet-cardano

Describe realistic measures of success, ideally with on-chain metrics.

Adoption & Usage

NGOs: 1 partner NGO piloting on Cardano in a key market; potential UN pilot in Q4 2025–Q1 2026.

End-users Onboarding: 1 to 5K.

Performance Metrics

Transaction Speed: Fast, efficient Cardano processing with smart contract customization.

Transaction Cost: SMS and transaction fees remain in line with previous pilots.

Clawbacks: Smart contract flexibility minimizes clawbacks.

Pilot Success: Measured by the number of wallets created, goal of 1K+ onchain transactions on Cardano mainnet, and direct feedback from NGOs.

[Your Project and Solution] Solution

Please describe your proposed solution and how it addresses the problem

SMS-Enabled Blockchain Wallet

We’re breaking down digital barriers for financial inclusion with our open-source, DPG-certifiable offline blockchain wallet. A non-custodial solution that empowers humanitarian organizations and governments to deliver financial aid securely, instantly, and transparentlyWe're bridging the digital divide for financial inclusion with our open-source, DPG-certifiable offline blockchain wallet. This non-custodial solution empowers humanitarian organizations and governments to deliver financial aid securely, instantly, and transparently—even in areas without internet, smartphones, or banking infrastructure.

Offline Wallet Capabilities:

Account Abstraction: Beneficiary account setup via SMS and in bulk.

Payment System: Internet-free funds transfer; no SMS credit needed.

Sponsored Accounts: Seamless asset reception with NGO-funded account setup.

Account Management: Simple SMS-based fund and account balance checking

Customization: Tailored smart contract capabilities based on NGO requirements

Enterprise-Grade Fund Management Made Simple

Partner Portal: Smart contract automation handles secure fund distribution while maintaining an intuitive interface that requires no blockchain expertise.

Managed Services for Partners:

Customization: Localization features and smart contract-based capabilities for custom requirements

Onboarding: Streamlined onboarding and efficient cash disbursement

Dashboard: Tools for funds traceability and management

Clawback and/ or Claimable Balances Functionality: Asset recovery for enhanced control

Frictionless Merchant Payment Integration

Integrated Payment Infrastructure: Native off-ramp solutions that make digital asset transactions simple, with complete transparency and audit trails for partners.

SMS Payment Flow: Merchants start transactions, customers respond via SMS. No apps to download, no technical knowledge, no credit required, no complexity to learn—just confirm and pay.

Merchant Services Capabilities:

Reverse Payment Functionality: The merchant initiates the payment process, and the user confirms the transaction amount, simplifying blockchain transactions for users with no knowledge of digital asset transactions

Secure Transactions: Reliable, real-time account balances and low-cost transfers

[Your Project and Solution] Impact

Please define the positive impact your project will have on the wider Cardano community

Pioneering Financial Inclusion: A farmer without internet can receive aid on a basic phone in under 30 seconds—powered by Cardano. This initiative could extend Cardano’s reach to billions currently excluded from blockchain access.

This project strengthens the Cardano ecosystem by:

Enhanced UX & Accessibility: Expands access to digital assets for underserved populations through a low-tech, offline solution.

Lower Technical Barriers for increased adoption: Simplifies onboarding for users and organizations with limited infrastructure, enabling thousands of first-time users from offline and underserved communities to access blockchain for the first time.

Cost-Effective Transactions: Enables secure, low-cost transactions for NGOs, governments, and merchants.

Enhanced Network Adoption: Expands Cardano’s footprint in regions like LATAM by driving measurable on-chain activity through humanitarian aid disbursements, SMS-based transfers, and merchant payments.

Open-Source Innovation: Provides reusable, extensible open-source infrastructure—including a wallet, SDK/API, and partner portal—that accelerates development and collaboration across the Cardano ecosystem.

Fosters Ecosystem Growth: Accelerates Cardano’s growth by reaching new users and use cases, while providing a critical low-tech solution for existing partners.

DPG on Cardano: Digital Public Good, pending third-party certification, positioning Cardano as a leading blockchain for offline financial inclusion and humanitarian aid—establishing a global standard for real-world impact at scale.

[Your Project and Solution] Capabilities & Feasibility

What is your capability to deliver your project with high levels of trust and accountability? How do you intend to validate if your approach is feasible?

Our team at Xcapit has delivered proven blockchain solutions including a UNICEF-backed EVM-compatible web3 wallet <https://www.unicef.org/innovation/stories/investing-blockchain-web3-and-ai-social-impact>, and a tokenization platform bridging traditional and digital assets in Argentina, demonstrating our capability to deliver complex blockchain solutions at scale. With our track record, we bring the technical expertise necessary to execute on Cardano. Validation will occur through iterative prototyping, collaborative pilots with humanitarian aid organizations, and direct engagement with the Cardano ecosystem.

We will leverage Aiken, Cardano’s next-generation smart contract language, to implement core logic including fund distribution, sponsored accounts, and claimable balances. Aiken enhances developer accessibility, simplifies audits, and aligns seamlessly with the Cardano ecosystem roadmap.

Notable mentions

Highlights include our feature in Stanford Social Innovation Review (“Working Toward Financial Inclusion With Blockchain”) and our recognition by MIT Solve (“Efficient and Secure Borderless Humanitarian Aid by Xcapit”).

Proven Market Validation

Our EVM-compatible wallet achieved 100% transaction success rates during pilot deployment in Cusco, Peru, demonstrating zero technical barriers for offline users in underserved communities. Building on this success, we're launching our next UNICEF-partnered pilot in Ghana this September.

We are actively coordinating with NGO partners to run the pilot, ensuring immediate real-world adoption of Cardano as soon as the MVP is launched.

[Milestones] Project Milestones

Milestone Title

Prototype

Milestone Outputs

Milestone Outputs:

• Develop the core SMS-enabled wallet infrastructure, including account abstraction, SMS payment functionality, and sponsored account setup.
• Deliver a working prototype that demonstrates secure fund transfers and web3 account management through SMS.

Acceptance Criteria

• Core SMS-enabled wallet infrastructure implemented, including:
  • Account abstraction via SMS
  • SMS-based payment functionality
  • Sponsored account setup
• Functional prototype demonstrating secure fund transfers and account management via SMS.
• Transactions executed on Cardano testnet and verified on Cardano Explorer.
• Prototype documented on GitHub with setup instructions.

Evidence of Completion

Submission of a fully functional video demo demonstrating all core wallet features, including account setup, transfers, and sponsored account functionality.

Delivery Month

2

Cost

25000

Progress

20 %

Milestone Title

MVP

Milestone Outputs

Launch a Minimum Viable Product with expanded offline wallet capabilities and the partner portal. Integrate basic smart contract automation for fund distribution and build a dashboard for fund traceability. The MVP will enable humanitarian organizations to onboard beneficiaries, disburse funds, and manage accounts in a real-world environment.

Acceptance Criteria

• Expanded offline wallet capabilities fully integrated.
• Partner portal live with basic smart contract automation for fund distribution.
• Dashboard implemented for complete fund traceability.
• Humanitarian organizations able to onboard beneficiaries, disburse funds, and manage accounts in a real-world setting.
• Smart contracts for fund distribution developed in Aiken and deployed on the Cardano testnet.
• Dashboard connected to Cardano, displaying real-time on-chain data.

Evidence of Completion

Delivery of a video demo showcasing MVP functionality and open-source code shared on a dedicated GitHub page.

Delivery Month

4

Cost

40000

Progress

40 %

Milestone Title

Pilot & Feedback

Milestone Outputs

Run pilot with humanitarian or NGO partner to test usability, fund distribution efficiency, and end-user experience. Gather feedback from both beneficiaries and organizations, refine onboarding flows, and validate localization features.

Acceptance Criteria

• Pilot executed with a partner.
• Usability, fund distribution efficiency, and end-user experience evaluated.
• Feedback collected from beneficiaries and partner organizations.
• Onboarding flows refined, localization features validated.
• 500+ successful transactions executed on Cardano mainnet during the pilot.
• Structured surveys collected from NGO and beneficiaries with quantitative feedback.

Evidence of Completion

Delivery of a branded video highlighting the pilot experience, accompanied by a detailed report summarizing key findings and insights.

Delivery Month

6

Cost

25000

Progress

30 %

Milestone Title

Technical Improvements & GTM

Milestone Outputs

Incorporate pilot feedback into technical improvements, enhance customization capabilities, and strengthen partner portal capabilities. Prepare go-to-market materials for strategic partnerships, and set up a scalable onboarding process for Cardano ecosystem partners, and NGOs.

Acceptance Criteria

• Pilot feedback fully incorporated into technical improvements.
• Customization and partner portal capabilities enhanced.
• Go-to-market materials prepared and validated with a key partner.
• Scalable onboarding process established for Cardano ecosystem partners and NGOs.
• Open-source SDK/API released on GitHub, enabling other Cardano projects to integrate the wallet.

Evidence of Completion

Final code has been released on GitHub, along with delivery of go-to-market assets to support launch and adoption.

Delivery Month

7

Cost

10000

Progress

10 %

[Final Pitch] Budget & Costs

Please provide a cost breakdown of the proposed work and resources

We propose a phased approach driven by insights from prior development, live solution testing, in-market feedback, and close collaboration with our NGO partner, ensuring smooth integration. Our approach incorporates real-world testing to enable co-creation with partner organizations while maintaining our solution’s performance standards. The phased approach also enhances visibility across the ecosystem.

Milestone 1 (month 2): 25,000 ADA Prototype

Milestone 3 (month 4): 40,000 ADA MVP

Milestone 2 (month 6): 25,000 ADA Pilot & Feedback

Final Milestone 4 (month 7): 10,000 ADA Technical Improvements & GTM

Development: 60,000 ADA

Testing & QA: 20,000 ADA

Operational Costs: 15,000 ADA

Total Budget: 95,000 ADA

Every ADA invested will directly drive measurable on-chain adoption, generate tangible humanitarian impact, and deliver reusable infrastructure for the Cardano ecosystem.

[Final Pitch] Value for Money

How does the cost of the project represent value for the Cardano ecosystem?

Xcapit’s project delivers exceptional value by creating open-source infrastructure that extends Cardano’s reach to 2.6 billion offline users, driving significant on-chain activity through humanitarian aid disbursement and merchant payments. The solution also enables new use cases, including climate resilience and anticipatory action. Strategic partnerships within the Cardano ecosystem, and potential collaborations with the Cardano Foundation and UNDP, position this project to deliver impact far beyond the initial investment.

Open-Source Community: Partnerships within the Cardano ecosystem will expand the offline wallet’s capabilities through collaborative development and community contributions.

Strategic Integrations: Exploring Atala PRISM for decentralized identity solutions, removing traditional KYC barriers in humanitarian contexts.

Foundation Partnership: Leveraging the Cardano Foundation’s UNDP accelerator program to scale humanitarian impact and align with sustainable development goals.

Cardano Advantage:

• Low, predictable transaction fees make large-scale humanitarian payments feasible.
• Security and formal verification ensure safe fund distribution in high-stakes environments.
• Alignment with social impact and sustainability initiatives, supported by UNDP and Atala PRISM, positions Cardano as ideal for large-scale financial inclusion.
• Using Aiken for smart contracts ensures accessibility, easier audits, and long-term maintainability.
• Fully open-source; progress will be shared with the Cardano community via Town Halls, GitHub, and Catalyst forums.
• The offline wallet infrastructure is reusable, enabling adoption beyond humanitarian use cases.

[Required Acknowledgements] Consent & Confirmation

Terms and Conditions:

Yes