Pay, get paid and convert USD → Your Money in seconds.
Issuance, circulation and public auditing of Your Money.
Liquidity pool, swaps and network revenue.
Most of that value passes through the community without staying in it: foreign cards, payment gateways registered somewhere else, public incentives with no trace after the first transfer. A community can have the culture, the shops and the visitors, and still have no currency that ties that spending to the local economy.
A digital currency backed 1:1 with your local money (BRL, USD, EUR), issued and controlled by the community authority itself. For the people using it, it is just a chat app. No complicated wallet, no blockchain password, no technical jargon. Behind it, bank-grade infrastructure guarantees that every unit in circulation matches a real unit of reserve held in custody.
Every unit converted into Your Money enters the local economy instead of leaving through an international gateway. Local merchants receive that spending, and the authority sees the real volume transacted in its territory at no operating cost.
The authority can issue Your Money directly into social programs, grants and cultural incentives, with the guarantee that the value only circulates in local commerce and cannot be diverted elsewhere.
A heatmap of where and how local money is moving: velocity of circulation, highest-volume districts, active merchants. Policy stops being a bet and becomes a data-driven decision.
The authority can freeze or reverse a transaction in case of fraud or a court order — something physical cash never allowed.
Identity validation uses zero-knowledge cryptographic proofs: no document, photo or sensitive data ever reaches the project's servers. Data protection, the biggest concern for any public body in a project like this, is solved by design.
Buys Your Money with USD, straight from the app.
Buys Your Money by bank transfer, no fee.
Buys nothing: receives from other residents (chat) and from the community authority through social programs and incentives.
Usage becomes data. Data becomes better public policy.
Your Money runs on the Stellar network, chosen because it is global settlement infrastructure already used by financial institutions. Transactions settle in 5 to 7 seconds at near-zero cost. Wallets are created automatically for every user (no seed phrase), reserve custody follows bank-grade standards, and identity is validated with zero-knowledge proofs.