Confío

Dollar finance built for Latin America — user-controlled money, distributed through trust.

Website · Whitepaper · Tokenomics · BNB Smart Chain deployments

Confío is a fully open-source, non-custodial financial application for Latin America. It combines dollar access, savings, transfers, merchant payments, payroll, staged eligible Ondo Stocks access, and the $CONFIO ecosystem token in a familiar mobile experience. The current product system settles on BNB Smart Chain, while the application hides gas, approvals, contract calls, and blockchain addresses from everyday users.

Lo tuyo, tuyo. · Blockchain inside. Simple as PayPal.

What Confío does

• Add and withdraw dollars: connect local and international payment methods to BSC-USDT through integrated fiat providers.
• Save with cUSD+: move USDT into an accumulating dollar balance backed by Ondo Finance's USDY and redeem it back to USDT. Yield is variable and not guaranteed.
• Send simply: transfer to contacts without asking users to copy blockchain addresses or hold BNB for gas.
• Accept payments: support merchant invoices and QR-centered payment flows with transparent on-chain settlement.
• Run payroll: let businesses fund and authorize dollar payouts while recipients remain in control of their wallets.
• Access Ondo Stocks (staged): once live trading is activated, eligible users can buy from cUSD+ and return sale proceeds to cUSD+ through a dedicated router with an explicit fixed 0.30% Confío fee on every completed purchase and sale.
• Participate in the ecosystem: use the fixed-supply $CONFIO token for presale allocations, rewards, and disclosed ecosystem functions. $CONFIO does not back cUSD+ or user dollar balances.

Why Confío is different

User-controlled money

Wallet keys are generated on the user's device, not held by Confío. Encrypted recovery material is stored in the user's personal cloud account, supporting familiar Google or Apple sign-in and device recovery without turning Confío into the wallet custodian.

Crypto complexity stays behind the interface

Normal in-app transactions are sponsored. Confío uses EIP-7702 signed batches for multi-step actions while keeping the user's authorization explicit and bounded. Users interact with dollar amounts and familiar actions rather than gas tokens, allowances, and contract calls.

Local access, not a generic global interface

Confío integrates country-specific bank, QR, and payment methods for Latin America and international access for diaspora corridors. Product surfaces, eligibility, and payment methods adapt to local operating realities.

Distribution through trust

Confío is built around a founder-led Spanish-language distribution channel and a long-running public relationship with the region it serves. The product competes on trust, local fit, and direct education rather than feature parity or cashback subsidies alone.

Public by default

The mobile application, backend, smart contracts, and core documentation are open source. Deployed contracts are source-verified, and material control boundaries and risks are documented publicly.

Product architecture

Component	Role
USDT on BNB Smart Chain	Funding, liquidity, transfers, and exit rail
cUSD+	Primary savings and transaction balance backed by USDY held by the vault
Payment and payroll contracts	Merchant settlement, fees, business escrow, and authorized payouts
Ondo Stocks router	Staged user-authorized purchases from cUSD+ and sales back into cUSD+, with a fixed 0.30% explicit fee
$CONFIO	Fixed-supply community and ecosystem token, separate from dollar backing
Sponsored transaction layer	User-authorized EIP-7702 batches with network fees paid by Confío

The product followed Ondo's production infrastructure onto BNB Smart Chain: USDY, the InstantManager subscription and redemption path, its reference-price oracle, and BSC-USDT liquidity. Payments, payroll, transfers, and $CONFIO were consolidated onto the same network to avoid bridges and fragmented balances inside the consumer experience.

Verified BNB Smart Chain contracts

Contract	Address
cUSD+ vault	0x3C29417e…63Ed1
Ondo Stocks router (UUPS proxy)	0x40c8e134…29c3
$CONFIO token	0xCcEb3F61…B3fa8
$CONFIO presale vault	0x1a2dD9b4…f095c
$CONFIO reward vault	0x812b8d86…De730
$CONFIO vesting vault	0xb873e4db…0bE7A
Invitation escrow	0xeFF0Af29…4D0d6
Merchant payments	0x039Ebe91…7736D
Payroll vault	0x851cA801…d7299
Sponsored-batch delegate	0xC06BD197…bc00

See the deployment record for implementation addresses, migrations, superseded deployments, transaction references, and operational status.

Repository map

Path	Contents
apps/	React Native application for iOS and Android
config/ and backend packages	Django, GraphQL, authentication, payments, compliance, notifications, and operations
contracts/cusd_plus/	Solidity contracts, Foundry tests, deployment scripts, and BSC records
web/	Public website and web product surfaces
workers/	Background and scheduled workloads
docs/	Product, security, legal, infrastructure, and operating documentation

The repository still contains Algorand code and documentation used by the earlier product architecture and its migration. Those directories remain for historical verification and migration support; they are not the current settlement architecture described above.

Documentation

• Whitepaper: English — authoritative original · Español · 한국어
• $CONFIO tokenomics: English — authoritative original · Español · 한국어
• Security: Account and authentication architecture
• Contracts: BSC deployment record

The English whitepaper and tokenomics documents are the authoritative originals. Translations are provided for convenience and may lag behind the English versions.

Development

Confío is a production system with external infrastructure, compliance providers, and encrypted environment configuration. A source checkout can run local components, but end-to-end payment and blockchain flows require the appropriate test credentials and services.

Backend

python -m venv myvenv
source myvenv/bin/activate
pip install -r requirements.txt
export CONFIO_ENV=testnet
python manage.py runserver

Run backend tests with:

CONFIO_ENV=testnet python manage.py test

Mobile application

cd apps
yarn install
CONFIO_ENV=testnet yarn start

In a second terminal, run CONFIO_ENV=testnet yarn ios or CONFIO_ENV=testnet yarn android after completing the native React Native setup for that platform.

Web application

cd web
yarn install
yarn start

BSC contracts

The Solidity package uses Foundry and pinned dependencies:

cd contracts/cusd_plus
npm install
npm run setup:forge-std
forge build
forge test

Never broadcast a deployment or administrative transaction without reviewing the current deployment record and environment safeguards.

Community

• Website: confio.lat
• TikTok: @julianmoonluna
• GitHub: caesar4321/Confio

License

Confío is released under the MIT License.

Disclaimer

This repository and its documentation are provided for informational and software-development purposes. Nothing here is investment, legal, tax, or financial advice, an offer of securities, or a guarantee of yield, liquidity, market value, product availability, or regulatory eligibility. Product access depends on jurisdiction, identity and compliance checks, provider availability, and applicable law.