🌐 Building Resilient Digital Transactions in Fragile Contexts with Web3 🌐

In fragile environments, secure and inclusive digital transactions can transform lives. I recently revisited the technology and economics behind these solutions and sketched out the stack required to make them work.

Why does this matter? Clarity is key—both for didactics and procurement. Explicitly breaking down the stack helps generate a common understanding, especially when discussing setup with non-technical stakeholders. It also ensures that expected services are properly defined during procurement.

This is how I currently understand the stack to come together:

🔗 Public Blockchain layer 1/2: The foundation—like Algorand, Cosmos, Ethereum, Gnosis, Linea, Polygon, or Stellar—delivering security, transparency, and smart contract capabilities.

💰 Stablecoin: Digital currencies like USDT, USDC, and EURS, providing stability and enabling seamless cross-border transactions.

⚙️ Stablecoin Management: Platforms such as ensuring compliance and smooth integration with APIs and tools.

🔒 (Regulated) Onramp Service Provider: The regulated gateway for converting fiat to digital assets, ensuring trust and accessibility.

👛 Wallet: User-friendly digital wallets enabling secure storage and transactions, even offline.

💱 Offramp & Liquidity Services: Services bridging digital assets to local currency and ensuring liquidity, such as mobile money providers or local liquidity vendors.

This space is still evolving, with overlaps and players emerging as solution providers—integrating parts of the stack.

👉🏻 Does this resonate? Does it help you understand the space better? Do you see yourself in this stack?

🔍 TL;DR: Web3 is reshaping digital transactions in fragile contexts. From blockchain infrastructure to regulated onramps and user-friendly off-ramps, every layer matters. Does this help you? Let’s discuss! 🚀