micopay

Micopay: Fast, secure, and decentralized P2P crypto-to-cash exchange protocol for the next generation of financial inclusion on Stellar

P2P market for AI agents, secured by escrows: two agents that have never met settle across XRPL and Stellar atomically, no custodian. Cashing out to physical pesos through the MicoPay network is a future possibility. Same HTLC trust model as the app, with timeouts sized for machines instead of humans.

Research and design for CFDI-backed factoring on XRPL with MicoPay settlement and reconciliation

Public MicoPay website and lead-capture application built with Astro and Cloudflare Workers

Internal console for operating the MicoPay cash network

Entregables del programa BB101 del equipo MicoPay

Sistema operativo multiemisor para activos respaldados, contabilidad, conciliación y pagos componibles

Pay farmers per kilo on Stellar: atomic payouts with crop-loan repayment and XSD-valid ISO 20022 records. Part of the MicoPay ecosystem.

Public profile, ecosystem map, and organization-wide documentation for MicoPay

"Proyecto educativo para sincronizar transacciones de XRP Ledger (XRPL) con estándares bancarios ISO 20022 utilizando Python y PySide6. Aplicacion: pago a productores"

Open-source reference implementation for liquid rent guarantees (avales líquidos) on the XRP Ledger — XRPL escrow + credentials, transport-agnostic core. Experimental / testnet.

Short-term rentals with a Stellar escrow: host paid after check-in, cancellation policy and damage deposit on-chain, 3% fee