USDC retirement savings on Stellar — built for Mexico's informal workers.
Mañana Seguro is a DeFi platform that lets delivery drivers, street vendors, and freelancers save for retirement starting from $2 USDC, earning real yield through tokenized CETES via Etherfuse — no bank, no AFORE, no middlemen.
Built during the Stellar Genesis Hackathon.
32 million Mexicans work in the informal economy with no access to IMSS, AFORE, or pension plans. Mañana Seguro gives them a decentralized alternative, accessible from any device via browser or Telegram.
Carlos, 32-year-old delivery driver:
- Saves $25 USDC/month for 20 years
- Earns ~4.70% net APY in USDC (CETES via Etherfuse)
- Result: $244,000 MXN at retirement — saving ~$425 pesos/month
MananaSeguro/
├── CreditRoot/ # Frontend — React 19 + Vite + Bootstrap 5
│ ├── src/features/ # dashboard, simulator, withdrawal, referrals, planner
│ ├── src/screens/ # Landing, Auth, Home, Dashboard, Planner, Withdrawal
│ ├── src/lib/ # stellar.js (Soroban SDK), wallet.js (Freighter)
│ └── src/hooks/ # useEtherfuseRate, useRetirementProjection
│
├── manana-seguro-bot/ # Telegram bot — Python + Claude Haiku (Anthropic)
│ ├── bot.py # Handlers, retirement simulator, AI advisory
│ └── stellar_connection.py # Stellar testnet integration
│
└── netlify/functions/
└── cetes-rate.js # CORS proxy for the Etherfuse API
| Layer | Technology |
|---|---|
| Frontend | React 19, Vite, Bootstrap 5 |
| Wallet | Freighter (Stellar) |
| Blockchain | Stellar Testnet + Soroban SDK |
| Yield | Etherfuse Stablebonds (tokenized CETES) |
| Bot | Python 3, python-telegram-bot 21, Claude Haiku |
| Deploy | Netlify (with serverless functions) |
- Live retirement calculator — with real CETES rate from Etherfuse
- Non-custodial wallet connection — via Freighter
- Savings dashboard — locked balance, goal progress, contribution history
- Interactive simulator — personalized projections with loyalty incentives
- Emergency auto-loan — up to 30% of balance at 0.5%/month, 24 months
- Telegram bot — AI-powered advisory, simulator, and balance management from your phone
- Node.js 18+
- Python 3.10+
- Freighter browser extension
- Stellar Testnet account with test USDC
cd CreditRoot
npm install
npm run devRuns at http://localhost:5173. The Etherfuse proxy runs automatically at /api/cetes-rate during development.
cd manana-seguro-bot
pip install -r requirements.txt
cp .env.example .env
# Fill in your credentials
python bot.pyCreate a .env file inside manana-seguro-bot/ based on .env.example. Never commit this file.
TELEGRAM_TOKEN=your_botfather_token
ANTHROPIC_API_KEY=your_anthropic_api_key- TELEGRAM_TOKEN → talk to @BotFather on Telegram
- ANTHROPIC_API_KEY → console.anthropic.com
The frontend deploys automatically to Netlify on push to main.
# netlify.toml
[build]
command = "cd CreditRoot && npm install && npm run build"
publish = "CreditRoot/dist"The cetes-rate serverless function acts as a CORS proxy between the browser and the Etherfuse API.
Want to contribute? Read CONTRIBUTING.md first.
This repository participates in the Stellar Wave Program — a monthly open source contribution cycle with real rewards. Issues labeled wave are the priority each cycle.
| Name | Role |
|---|---|
| Davor | Frontend + Backend + Blockchain |
| Ulises | Frontend + Telegram Bot |
| Nano | Frontend |
| Daniel | Pitch |
| Renata | Pitch |
Mañana Seguro runs on Stellar Testnet. Do not use real funds. All activity happens on Stellar's test network.