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Stellar-Save Roadmap

This document outlines the planned development milestones for Stellar-Save. Timelines are estimates and subject to change based on community feedback and contributor availability.

Table of Contents

v1.0 — Core (Current)

Status: In Progress
Scope: XLM-only rotational savings on Stellar testnet and mainnet

Features

  • Create savings groups with configurable contribution amount, cycle duration, and max members
  • Join groups via Group ID
  • Fixed XLM contributions per cycle
  • Automatic payout to the designated member when all contributions are received
  • Group lifecycle management: Pending → Active → Completed
  • On-chain event emission for group creation, contributions, and payouts
  • Basic frontend (React + Vite) with wallet connection via Freighter
  • Smart contract written in Rust using the Soroban SDK

Goals

  • Prove the core rotational savings model works reliably on-chain
  • Establish a clean, auditable contract codebase
  • Provide a minimal but functional UI for early adopters

v1.1 — Custom Token Support

Status: Planned
Scope: Allow groups to use any Stellar asset (not just XLM)

Features

  • Accept any SEP-41 compliant token as the contribution currency
  • Token selection during group creation
  • Display token symbol and balance in the UI
  • Validate token balances before allowing contributions

Goals

  • Open Stellar-Save to stablecoin-based savings groups (e.g. USDC on Stellar)
  • Reduce volatility risk for members who prefer stable assets

v2.0 — Flexible Payouts & Penalties

Status: Planned
Scope: Improve fairness and resilience when members miss contributions

Features

  • Configurable penalty for missed contributions (e.g. small XLM fee)
  • Grace period before a missed contribution is penalised
  • Option for randomised or voted payout order (instead of join-order only)
  • Partial payout release if a member exits early (with creator approval)
  • On-chain dispute flag for unresolved contribution issues

Goals

  • Make groups more resilient to non-participating members
  • Give group creators more control over payout fairness
  • Reduce the risk of a single member stalling the entire group

v3.0 — Enhanced Frontend UI

Status: Planned
Scope: Significant UX improvements based on user feedback from v1.x

Features

  • Full mobile-responsive design
  • Push notifications (browser) for upcoming contribution deadlines
  • Group activity feed showing recent contributions and payouts
  • Member profile pages with contribution history
  • Dark mode support
  • Improved onboarding flow for first-time users
  • Internationalisation (i18n) support — starting with English, French, and Yoruba

Goals

  • Lower the barrier to entry for non-technical users
  • Support communities in regions where Ajo/Esusu is culturally common

v4.0 — Mobile App & Fiat On/Off-Ramps

Status: Future
Scope: Native mobile experience and fiat integration

Features

  • React Native mobile app (iOS and Android)
  • In-app wallet creation and management
  • Fiat on-ramp: buy XLM or stablecoins directly within the app
  • Fiat off-ramp: withdraw payout to local bank account via SEP-24/31
  • Biometric authentication (Face ID / fingerprint)
  • SMS/WhatsApp contribution reminders

Goals

  • Reach users who don't have desktop access
  • Bridge the gap between crypto savings and traditional banking
  • Enable true financial inclusion for underbanked communities

Milestone Summary

Version Scope Status
v1.0 XLM-only core contract + basic UI In Progress
v1.1 Custom token (SEP-41) support Planned
v2.0 Flexible payouts, penalties, payout order options Planned
v3.0 Enhanced UI, mobile-responsive, notifications, i18n Planned
v4.0 Mobile app, fiat on/off-ramps Future

Contributing to the Roadmap

Have a feature idea or want to reprioritise something? Open a GitHub Discussion or comment on an existing issue. Community input directly shapes what gets built next.

Roadmap

v1.0 — Current

  • ROSCA core: create group, join, contribute, payout rotation
  • Native XLM support via SEP-41 token interface
  • Automatic payout when all members contribute
  • Manual execute_payout fallback
  • Comprehensive test suite (17 tests)
  • Testnet deploy script

v1.1 — Token Support

  • Store token address inside Group at creation time
  • Validate token address on every contribution and payout
  • Support USDC, EURC, and any SEP-41 token
  • Emit contract events for contributions and payouts

v2.0 — Resilience & Incentives

  • Configurable timeout_ledger per group
  • slash_member() — eject non-contributing members after timeout, refund others
  • Randomized payout order (opt-in at group creation)
  • Penalty bonds: members lock a small deposit at join, forfeited on slash
  • Auto-extend storage TTL on every write

v3.0 — Frontend

v4.0 — Mobile & Fiat

  • React Native mobile app
  • Fiat on/off-ramp integration (MoneyGram, mobile money)
  • Localization: Yoruba, Igbo, Hausa, Swahili, French
  • QR-code invite links for group joining

Long-term Research

  • ZK-based private contribution amounts — prove attributes without on-chain disclosure (#1174)
  • Cross-chain ROSCA groups (Stellar ↔ EVM via Axelar)
  • DAO governance for contract upgrades

Security

46b7416 (feat: implement bug bounty program and vulnerability disclosure)