Cosmos

In Latin America, millions of entrepreneurs and SMEs face a combination of barriers that exclude them from digital commerce.

• Lack of formal financing: over 40% of digital entrepreneurs have no access to initial capital, preventing them from buying inventory or investing in costly platforms.

• Abusive fees: marketplaces like Mercado Libre charge up to 17.14% per transaction, cutting margins and making participation unviable for small sellers.

• Fraud and distrust: in countries like Mexico and Brazil, more than 30% of users have experienced digital fraud, creating fear and limiting e-commerce adoption.

• Fragmented ecosystem: although LATAM’s e-commerce market will reach USD 769 billion by 2025, most SMEs lack secure and accessible tools to integrate.

The result is that a massive and valuable segment of the regional economy is excluded from digital growth, losing income opportunities and competitiveness.

Cosmos democratizes e-commerce in LATAM by connecting sellers without initial capital to digital buyers, using Stellar as its financial core.

• Flow:

• Sellers list products without inventory (dropshipping).

• Buyers pay through Cosmos Pay.

• Transactions are processed on the Stellar network, with fast, secure, and low-cost settlements.

• Producers ship the product and payment is released to the seller via digital contracts.

• Role of Stellar and trustless work:

• Stellar enables trustless transactions: they don’t rely on intermediaries but on automatic, verifiable rules on the network.

• Each payment is validated and settled transparently, reducing fraud and costs.

• Stellar ensures Cosmos can operate with efficiency, security, and scalability, powering Cosmos Pay at its core.

With Stellar and trustless work, Cosmos provides a system where trust doesn’t depend on third parties but on technology itself, solving LATAM’s pain points of high costs and lack of trust.