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Pacto

Decentralized on/off ramp p2p exchange on Stellar. It leverages Trustless Work escrows to "lock" stablecoins while the off-chain transaction happens.

📍 Team Location: Costa Rica

betamarketplacepaymentson/off rampsStellar

About the Product

A decentralized, mobile-first P2P marketplace where:

Anyone can become a merchant by offering USDC for fiat via a personalized landing page (unique URL).

Trades are secured by trustless programmable escrow contracts, ensuring funds only release when both parties confirm.

Communities gain safe, low-cost, transparent access to stablecoins through trusted local actors.

Problem & Solutions

Problem

Accessing stablecoins is still too hard, expensive, and risky:

High fees block small users – MoonPay and other ramps charge fixed minimums (e.g., $5 per trade), making $10–$20 purchases uneconomical.

Peer-to-peer trust gap – Even on Binance P2P, users distrust anonymous merchants and the manual process.

Last-mile exclusion – Communities can’t wait for banks, exchanges, or regulators to provide local rails. Trusted local actors (churches, educators, SMEs) exist, but lack the infrastructure to safely and transparently offer on/off-ramp services.

Solution

A decentralized, mobile-first P2P marketplace where:

Anyone can become a merchant by offering USDC for fiat via a personalized landing page (unique URL).

Trades are secured by trustless programmable escrow contracts, ensuring funds only release when both parties confirm.

Communities gain safe, low-cost, transparent access to stablecoins through trusted local actors.

Customer Segments

Primary wedge: Community leaders, educators, and local opinion leaders who already get asked “how do I on/off-ramp?” and need a trusted, monetizable platform.

Secondary: Small-to-medium businesses (stores, hotels, exporters/importers) who receive crypto or stablecoins and want to turn that flow into a revenue stream.

Future: Applications, DAOs, and stablecoin issuers that need community-based liquidity networks.