Capital.ph is a fintech platform designed to bridge OFW (Overseas Filipino Worker) remittances with microlending services for Filipino families. By leveraging the Stellar blockchain network, we enable instant, low-cost cross-border money transfers that can be seamlessly converted into collateralized microloans.
"From Remittance to Financial Inclusion"
Every year, OFWs send over $37 billion back to the Philippines — the 3rd largest remittance corridor globally. Yet most of this money flows through expensive traditional channels, and recipients have limited access to formal credit. Capital.ph closes this gap by:
- Reducing remittance costs via Stellar's near-zero transaction fees
- Converting remittances into financial tools through collateralized lending
- Building credit history for the underbanked Filipino population
Architecture Decision Records documenting key platform decisions:
- ADR-001: Blockchain Platform Selection
- ADR-002: EMI Partnership Strategy
- ADR-003: Smart Contract Approach
- ADR-004: Stablecoin Selection
- ADR-005: KYC / AML Integration
Core architecture principles that guide platform design:
Reusable solution and integration patterns used across the platform:
Visual reference materials for the platform architecture and flows:
| Metric | Value |
|---|---|
| Target Market | Philippines (107M population) |
| Remittance Inflow | $37B annually |
| Unbanked Population | ~66% of adults |
| Transaction Speed | 3-5 seconds (Stellar) |
| Transaction Cost | ~$0.00001 per transaction |
| Initial Loan Size | ₱5,000 - ₱50,000 |
| Loan Tenor | 4-6 weeks |
| Target LTV | 80% |
Capital.ph operates within Philippine regulatory frameworks:
- BSP: EMI partnership (not direct license holder)
- SEC: Lending Company Registration
- AMLC: KYC/AML compliance via CMAP integration
- NPC: Data Privacy Act compliance
| Layer | Technology |
|---|---|
| Blockchain | Stellar Network |
| Smart Contracts | Soroban (Rust) |
| Stablecoin | USDC (Circle) |
| EMI Partner | Coins.ph (DCPAY) |
| KYC Provider | CMAP + In-house |
| Frontend | React / React Native |
| Backend | Node.js / Python |
Capital.ph is founded by experienced fintech operators with deep roots in the Philippine market:
- Damian Hartzheim - Co-founder, Operations
- Jan - Co-founder, Technology
- [Additional team members]
We are seeking $150K - $500K in ecosystem funding from the Stellar Development Foundation to:
- Complete Soroban smart contract development
- Integrate with Coins.ph EMI infrastructure
- Launch pilot program in Metro Manila
- Scale to OFW corridors (HK, UAE, Saudi Arabia)
- Website: [sbv.one]
- Email: [hello@sbv.one]
- Stellar Community: [Discord/Forum handle]
This documentation package was prepared for the Stellar Community Fund (SCF) and Stellar Enterprise Fund application.