Live on Stellar
Send dollars as you do. A slice becomes US Treasuries in their own wallet, claimed with their face. A receipt for both.
Remittances are spent the week they arrive. Sown makes part of every one stay.
Send home
Dollars on Stellar, one approval
To spend$90.00dollars, as USDC
Stays theirs8.8141 USDY$10.00 of US Treasuries (Ondo USDY)
Uses the Stellar wallet you already have. Nothing moves until you approve it.
What happens to $100
The sender chooses the keep. The slice is bought on Aquarius inside the same transaction, at a price the sender saw first, or nothing happens at all.
$100sent home
90% to spend
$90.00
Dollars (USDC) in their own wallet. MoneyGram-connected Stellar wallets turn it into cash in 170+ countries.
10% stays theirs
8.8141 USDY
$10.00 of US Treasuries (Ondo USDY), bought on Aquarius inside the same send, in their own wallet. Theirs to hold, or to sell.
Arithmetic at the pool's price as this page loaded (ledger 64,862,102), not a receipt. A real one is below.
How Sown works
1
You send dollars, as you do.
USDC from the Stellar wallet you already use, with one approval. Choose how much they keep: 10% unless you say otherwise.
2
The keep becomes US Treasuries in the same transaction.
Sown buys it on Aquarius, Stellar's exchange, at the price you saw, or nothing happens. Both parts wait in an envelope that only the link can open.
3
They claim it with their face.
You share a link. They tap it, Face ID makes them a wallet only they control, and Sown's servers pay the network. Dollars to spend, Treasuries that stay, and a receipt for both.
What they keep
Held as a balance in their own wallet. What each issuer can do is read from the ledger on every row, not from a brochure. No return is promised, because nobody can promise one.
US Treasuries USDY · Ondo
Ondo issues USDY and can freeze this balance or take it back; it needs no permission to hold. Not for US persons.
US Treasury notes USTRY · Etherfuse
Etherfuse issues USTRY and can freeze this balance or take it back; it needs no permission to hold. Not for US persons.
Mexican CETES CETES · Etherfuse
Etherfuse issues CETES and can freeze this balance or take it back; it needs no permission to hold. Not for US persons.
Stocks and ETFs held at DTC expected first half of 2027
DTCC chose Stellar to carry stocks, ETFs and Treasuries held at DTC. When they land, a stock becomes a row here: same send, same receipt. Not on Stellar yet, so no price is shown.
What a receipt looks like
No envelope from outside the team has been claimed yet, so this is arithmetic at the pool's price right now, labelled as such. The first real one replaces it.
$100.00 sent
10% kept as
8.8141USDY
US Treasuries (Ondo USDY)
claimed with Face ID, seconds later
To spend$90.00
Still heldmeasured 30 days after the claim
Arithmetic at the pool's price as this page loaded (ledger 64,862,102). The first real envelope replaces it.
Why this only works on Stellar
Real government debt, with real depth
Ondo USDY, Etherfuse USTRY and CETES trade on Aquarius against USDC, about $2M deep each. The keep is bought there, inside the send, by the Sown contract itself.
A wallet from a face
OpenZeppelin's account contracts, deployed on the spot by Sown's servers. The recipient's Face ID is the only key; nobody at Sown can open it.
Nothing to pay at home
Sown's servers pay the network for the wallet and the claim, after checking the exact shape of what they are asked to pay for. The recipient needs no XLM, ever.
Cash on the other end
The dollars arrive as USDC, which MoneyGram-connected Stellar wallets turn into cash at agents in 170+ countries. Sown links to them; it moves no cash itself.
Stock next, on the same rail
DTCC chose Stellar to carry stocks, ETFs and Treasuries held at DTC, expected in 2027. Sown's catalogue is a list of what can be kept; a stock is one row away.
A receipt that lives in the ledger
The envelope is written by the send itself and updated by the claim. Thirty days later anyone can measure whether the keep is still held, and the receipt says so.
Before you send
The Sown contract on mainnet: CDQUJPAEWFFPS6ZBVF7SIRIVSKZDVMDZB4NFD3IAFS6D67N2JHMUHRFE