Trust Meridian

A money protocol for families spread across the world, bringing them back together.

Built at HackMeridian (Lisbon, October 2026) · Genesis path · tracks Stellar Composed and Stellar Unlocked.

Families live across borders; their money doesn't. 281 million people live outside their country of birth and sent home $831 billion in 2022, paying on average 6.5% to send $200 (IOM World Migration Report 2024; World Bank Remittance Prices Worldwide, Q1 2025). Saving together, sharing costs and paying bills back home still run on cash, trust and spreadsheets.

Trust Meridian puts three everyday uses on one passkey wallet:

Use	What it does	On-chain
Circle	A rotating savings circle (tontine) across countries	contracts/circle
Settle	Shared expenses across currencies, squared in one move	contracts/settle
Cover	Pay a relative's bill back home, straight to the payee	Trustless Work escrow + contracts/claim

…and lets them work together: one payout, three uses. When your Circle turn comes, one atomic transaction pays you the pot, clears your Settle debts and pays a family bill.

What is composed

Building block	Role in Trust Meridian
OpenZeppelin smart accounts (smart-account-kit)	Passkey wallets; the bill agent's own key in a context rule capped by the spending-limit policy
Sponsored relay (api/relay)	Pays every fee from a sponsor account: users never hold XLM
DeFindex	The idle Circle pot is parked in a vault between collection and payout
XOXNO Lending	Security deposits are supplied while the circle runs; the advance on your turn is borrowed against them
Trustless Work	One escrow per Cover bill: funded by the passkey wallet (or by a Circle payout_combo), released when the payee confirms
Reflector	Live EUR, GBP, CAD, MXN and BRL rates from the fiat oracle
Stellar anchor (SEP-45, SEP-24)	Deposit USDC into a passkey wallet: the passkey signs the anchor's web-auth challenge
Claude (Anthropic)	Reads a bill photo (Sonnet, vision); sums up a combined payout (Haiku); runs the bill agent, which pays recurring bills within its weekly cap
Supabase	Real-time harbor, request metadata and the live ledger mirror (money stays on-chain)

Contracts

contracts/ is a Cargo workspace on soroban-sdk 28.

• Circle: create, join, pay, collect (pulls instalments from capped SEP-41 allowances), cover_late (after 48 h the deposit covers a missed instalment), park (DeFindex), payout (two different members sign), payout_combo (one payout, three uses), advance (borrow up to half of your deposit on XOXNO, repaid from your pot).
• Settle: create_group, join, add_expense, debts (greedy plan, at most n − 1 transfers), approve (at half of the group, every debt is paid in one transaction with transfer_from), pay.
• Claim: create (locks funds with the public half of a one-time ed25519 key), claim (the claimer signs their address with the link key, so a claim cannot be redirected), claim_back (0.10 USDC fee while unclaimed), links_of.

cargo test            # 17 tests, including XOXNO's protocol fixture
stellar contract build

Deployed testnet contract IDs are listed in Deployments.

App

The front is the 3D ocean world: each use is an island, each payment a boat that sails only once its transaction is confirmed. src/chain holds the wallet and contract calls; api/ holds the Vercel functions (fee relay, the demo's family members, Claude bill reading).

npm install
npm run dev

Environment variables are listed in .env.example. Secrets stay in Vercel and in a local .env, never in the repo.

Deployments

Contract	Testnet ID
Circle	CBRLDAQIKYQZQM5V2D5JZLZ5GA4JB4VNNGS5YGCZW56XPGZ7OVW22GQD
Settle	CCVRSMT42L5SPEQWYTXUO5NY5B7GQSKRC4YDWYV36XBHU6AORGREQWPM
Claim	CCXSVXARY5NY2GN5XRJF37SYFKHPH7I3H7BNWB5WSGMK5AW3LCEEDT3R
DeFindex vault "TM Circle"	CBCTPTAL7E54BCDYO54GJUNM7GLEPL3UXAF6HEGWMM2MTXLFVJ7NCNSZ
XOXNO strategy (DeFindex → XOXNO Lending)	CCRU56E3WHFFGEQ7LZ4HEEL6MWVZE7BBHB36H4F6Y27T6GGY4SCR2FMM
USDC (Circle, SAC)	CBIELTK6YBZJU5UP2WWQEUCYKLPU6AUNZ2BQ4WWFEIE3USCIHMXQDAMA

Live app: https://trust-meridian-blitz-bet.vercel.app

Try it

Open the live app on a phone, press the passkey button in the wallet sheet ("Go live on Stellar testnet") and confirm with Face ID or a fingerprint. Setup takes about two minutes: the app receives 1,000 test USDC and joins the family's circles and the Lisbon group. From then on every action is a testnet transaction, with fees sponsored. Press P for presenter mode.

Prior work

An early version of the concept (then called Trust Circle) was pitched at a Stellar workshop before the event. We reworked and extended it during HackMeridian: all code, smart contracts, the app and the designs were written during the hackathon, using open-source libraries (OpenZeppelin smart accounts and smart-account-kit, Stellar SDK, three.js). The journey is in ROADMAP.md.

Team

Wiliams Lopes & Meyssa Helal · De Vinci Blockchain (dvb.xyz)