1. Overview
1.1 The Stellar Disbursement Platform (SDP)
The Stellar Disbursement Platform (SDP) is a secure, scalable system for sending bulk payments—such as stipends, aid, payroll, or remittances—over the Stellar network.
High-volume batch disbursements
Real-time tracking and transparency
Low transaction costs
Automated reconciliation and reporting
Interoperability with digital wallets such as Decaf
SDP is designed to serve NGOs, humanitarian agencies, governments, fintechs, and corporates managing large-scale or recurring payouts.
1.2 The Decaf Wallet
Decaf is a mobile wallet that enables beneficiaries to receive, hold, and use digital dollars (USDC).Key features include:
Instant receipt of digital dollar payments
A user-friendly interface suitable for first-time digital wallet users
The ability to convert USDC into local currency
Local cash-out options (country-dependent)
Card functionality for spending and withdrawals
Investments
1.3 Why Organizations Choose Stellar + Decaf
Stellar and Decaf provide a fast, low-cost, and transparent way to deliver digital dollar payments at scale.
Fast: Payments settle in seconds with real-time notifications.
Low Cost: Network fees are extremely low and reduce operational overhead.
Transparent: All transactions are traceable, and SDP offers clear audit dashboards.
Inclusive: Decaf gives beneficiaries easy access to modern financial tools, even without a bank account.
Secure & Compliant: Encrypted transactions, KYC support, and fraud prevention ensure safe disbursements.
1.4 Introduction to Blockchain and Digital Dollars (USDC)
This section provides a clear and accessible overview of the concepts used by SDP and Decaf, without assuming prior technical knowledge.
What Is Blockchain?
Blockchain is a modern settlement technology that enables fast, secure, transparent digital transactions between parties.
Instead of relying on a single institution (such as a bank), it operates on a distributed network that verifies every transaction.
For organizations, this means:
Payments cannot be altered or tampered with
Transactions settle globally within seconds
Full traceability is available for audits and reporting
The Stellar network—the blockchain used by SDP—was designed specifically for payments, financial access, and humanitarian use cases, not for speculative activities.
What Is USDC?
USDC (USD Coin) is a digital version of the U.S. dollar. It is:
Issued by regulated U.S. financial institutions
Fully backed 1:1 by cash and short-term U.S. Treasury assets
Always equivalent to 1 USDC = 1 USD
Widely used for stable, predictable financial operations
USDC behaves like a “digital dollar” that can move quickly and at low cost, enabling efficient global disbursements.