Sozu is financial infrastructure built on first principles: self-custody, transparency, and programmable money. This documentation covers the product, strategy, and technical design for the Sozu stack (NGO disbursement, Sozu Wallet, merchant settlement, and rails).
The documentation is ali gned with the SozuPay MVP docs. It is grouped by purpose:
| Section | Contents |
|---|---|
| Overview | What Sozu is, strategy (Year 1 / Year 2 / Year 4), why Stellar & Latam, Phase 1 pillars, technical summary, roadmap. |
| How it works | Donor → vault → trust-based credit → proof of allocation; NGO dashboard (SozuPay), wallet, offramp, repayment. |
| Architecture | System design: microcredit disbursement E2E, self-custodial auth, org wallet, smart accounts (G vs C), login flow. |
| Contracts | Soroban: disbursement wallet contract, yield router spec, testnet contract addresses (USDC, Blend, factory). |
| Planning | 30-day sprint, NGO disbursement dev plan (MUJERES 2000), production-disbursements tasks, todo. |
| Integrations | E-commerce widget/API, E2E payout test (recipients persistence, multi-recipient, Classic vs Soroban). |
| Requirements | Non-functional requirements (performance, availability, compliance), partner requirements (e.g. MUJERES 2000). |
| Operations | Runbooks: local dev, env vars, health check, plug-in points. |
| Reference | Schema (Supabase users, organizations, recipients), phase spec (Privy + wallet + KYC), codebase notes. |
Product-focused concept docs (Credit System, Sozu Wallet, For Entrepreneurs) sit alongside the above and tie into the same stack.
- Year 1 — Public good as distribution: NGO microcredit disbursement in Argentina (partner: MUJERES 2000) on Stellar + Soroban + USDC. SozuPay dashboard (beneficiary management, batch USDC payouts, repayment tracking), Sozu Wallet (non-custodial, SDP-enabled), offramping (e.g. MoneyGram ARS), repayment & credit tracking.
- Year 2+ — Merchant settlement: same wallet and rail for merchant settlement; fiat bridge aggregator; anchor preparation.
- Year 4 — Own the rail: proprietary NFC, programmable debit, direct fiat on/off ramp where regulation allows.
Sequence matters: distribution comes from NGOs and recipients first; merchants and rails follow.
- Overview — What Sozu is, strategy (Year 1/2/4), why Stellar/Latam, Phase 1 pillars, roadmap.
- How it works — Flow from donor to vault to credit to proof of allocation; NGO dashboard, wallet, offramp.
- Technical spec (in Overview or linked from sozupay_mvp) — Stack, user flows, dashboard capabilities.
- Planning — Current sprint, NGO dev plan, production-disbursements tasks.
- Operations — Local run, env vars, health check.
For architecture, contracts, integrations, or requirements, use the sections above or the SozuPay MVP docs directly.
- SozuPay MVP docs (canonical): blessedux/sozupay_mvp/docs
- NGO dev plan and milestones: ngo-disbursement-wallet-dev-plan.md
- Batch disbursement and persistence: production-disbursements-tasks.md
- E2E architecture: architecture-microcredit-disbursement.md
This repository is the documentation site for Sozu (e.g. docs.sozu.capital): a Next.js app that renders the concepts above with multi-language support (EN, ES, FR), search, and a simple reading experience.
| What | Tech |
|---|---|
| Framework | Next.js 15 (App Router), TypeScript |
| Content | Markdown under content/{locale}/concepts/ |
| i18n | next-intl (en, es, fr) |
| UI | Tailwind CSS, Radix UI, Framer Motion |
Run locally: pnpm install → pnpm dev → open http://localhost:3000.
Related: SozuPay MVP (NGO dashboard) · Sozu Credit · Sozu Capital