Notarion Wallet — Send money home. Keep more of it.

The problem

Billions flow home. Too much of it leaks away.

Millions of Myanmar migrant workers support families back home. But the money moves through expensive, slow, and often informal channels — and the people receiving it usually don't have a bank account at all.

$5.6B

A massive corridor, poorly served

Myanmar migrant worker remittances reached an estimated $5.6B in 2025 — much of it moving through informal hundi networks with no recourse, no receipts, and unpredictable rates.

High fees

Every transfer takes a cut

Traditional remittance channels stack transfer fees, FX margins, and agent commissions. For families living on remittances, those percentage points are groceries, school fees, and medicine.

Unbanked

Banks aren't the answer here

Most recipients don't have bank accounts — but they do have phones and mobile money. Notarion meets them where they already are: Wave Money, Ooredoo, and MMQR-accepting merchants.

How it works

From sender to spendable — in four steps.

Stablecoins do the border-crossing. Local mobile money does the last mile. Neither side needs to know or care what a blockchain is.

Load

A diaspora sender in Bangkok, Singapore, or Kuala Lumpur tops up their wallet with USDC using local on-ramps and Stellar anchors.

fiat → USDC

Send

They pick a contact and an amount. The transfer settles on Stellar in about five seconds, for a fraction of a cent — any time, any day.

~5s · <$0.01

Receive

The family in Myanmar sees the money instantly in their Notarion Wallet — held safely in USDC, protected from local currency swings.

USDC in wallet

Cash out — or don't

Cash out to Wave Money or Ooredoo, pay any MMQR merchant directly, send P2P, or set some aside in savings. It's a daily-use wallet, not a one-off pipe.

USDC → MMK

Features

A remittance app on day one. A financial life after that.

Cross-border remittances

Send USDC home in seconds for near-zero fees — no agent, no queue, no guesswork on rates.

USDC · Stellar settlement

Cash out, locally

Bridge on-chain balances to money people can actually use — via Wave Money, Ooredoo, and MyanmarPay.

Wave · Ooredoo · MMQR

Merchant QR payments

Scan any MMQR code and pay straight from the wallet — groceries, phone top-ups, market stalls.

MMQR standard

P2P transfers

Split a bill, repay a friend, support a neighbor — instant transfers between any two wallets.

Free · instant

Savings

Hold value in USDC instead of a depreciating local currency — a simple hedge for households without banks.

Stablecoin savings

Multi-currency

USDC and XLM today; local-currency assets as we expand — converted automatically with Stellar path payments.

USDC · XLM · path payments

Why Stellar

Banking rails we don't have to build — in every market.

Stablecoin settlement backbone. Users hold and transact in USDC and XLM on Stellar — fast finality and sub-cent fees make small, frequent remittances economically viable.
Path payments for automatic FX. As we expand to new markets, Stellar's path payments settle across different assets and local currencies in a single atomic operation — sender pays in one asset, recipient receives another.
Anchors for the last mile. We integrate Stellar anchors and local mobile money APIs (Wave Money, Ooredoo, MyanmarPay MMQR) to bridge on-chain balances to funds usable by people without bank accounts.
One integration, many corridors. The same anchor + path-payment architecture lets us launch in the Philippines, Indonesia, Cambodia, and Vietnam without rebuilding banking rails from scratch in each one.

stellar://path-payment · THB → USDC → MMK

// One atomic operation: sender's asset in, recipient's asset out.
{
  "type":          "path_payment_strict_send",
  "source_asset":  "USDC",       // loaded by sender in Bangkok
  "send_amount":   "200.00",
  "destination":   "G…FAMILY_WALLET",
  "dest_asset":    "USDC",       // held safely until cash-out
  "fee":           "100 stroops" // ≈ $0.000003
}

// Cash-out: anchor bridges on-chain → mobile money.
cashOut({
  rail:    "wave_money",  // or "ooredoo" | "mmqr"
  asset:   "USDC",
  amount:  "150.00",
  payout:  "MMK",
  to:      "+95 9•• ••• 421"
})  // → settled in seconds, no bank account required

What you'd keep

See the difference on a real transfer.

Drag the slider to a typical amount. Compare a traditional remittance channel against sending USDC on Stellar with Notarion Wallet.

200 USD

amount sent home per month

Traditional channel

Transfer fee (~5%)—

FX margin (~2.5%)—

Settlement1–3 days

Family receives—

Notarion Wallet on Stellar

Network fee< $0.01

Cash-out fee (~1%)—

Settlement~5 seconds

Family receives—

Your family keeps an extra — — — more per year.

Illustrative estimate. Traditional costs based on typical Southeast Asia corridor pricing; final Notarion cash-out fees set with local rail partners.

Roadmap

Myanmar first. Then the corridors next door.

Southeast Asia's migrant corridors share the same problem: big flows, high fees, unbanked recipients. Our Stellar anchor architecture is built to replicate.

Phase 1 · Launch

🇲🇲 Myanmar

Thai–Myanmar corridor first. Cash-out via Wave Money, Ooredoo, and MMQR merchants.

Phase 2

🇵🇭 Philippines

One of the world's largest remittance markets, with deep mobile money penetration.

Phase 2

🇮🇩 Indonesia

Millions of overseas workers; strong e-wallet adoption for the last mile.

Phase 3

🇰🇭 Cambodia

Large Thai-corridor workforce with heavy reliance on informal channels today.