Mañana Seguro 🛡️

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.

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The problem

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

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Architecture

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

Flujo de depósito SPEI → Stellar / SPEI → Stellar deposit flow

El usuario inicia un depósito desde el frontend, que solicita una CLABE a Etherfuse. El usuario transfiere pesos vía SPEI a esa CLABE. Etherfuse confirma el pago, notifica a nuestro webhook, que registra la orden en Supabase y acredita USDC en la wallet Stellar del usuario.

The user starts a deposit from the frontend, which requests a CLABE from Etherfuse. The user sends MXN via SPEI to that CLABE. Etherfuse confirms payment, notifies our webhook, which records the order in Supabase and credits USDC to the user's Stellar wallet.

sequenceDiagram
    actor Usuario
    participant Frontend as DepositFlow (Frontend)
    participant API as /api/etherfuse/deposit
    participant Etherfuse as Etherfuse API
    participant Banco as Banco del Usuario
    participant Webhook as Webhook (Netlify fn)
    participant Supabase
    participant Stellar

    Usuario->>Frontend: Ingresa monto y confirma depósito
    Frontend->>API: POST /api/etherfuse/deposit { amount, userId }
    API->>Etherfuse: Crear orden de depósito
    Etherfuse-->>API: CLABE + orderId
    API-->>Frontend: CLABE + orderId
    Frontend-->>Usuario: Muestra CLABE para transferencia SPEI

    Usuario->>Banco: Transfiere MXN vía SPEI a la CLABE
    Banco->>Etherfuse: Liquidación SPEI
    Etherfuse->>Webhook: POST /webhook { orderId, status: "payment_received" }
    Webhook->>Supabase: Actualiza orden → completed
    Webhook->>Stellar: Acredita USDC en wallet del usuario
    Stellar-->>Usuario: Balance USDC actualizado ✅

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Máquina de estados de la orden / Order state machine

Cada depósito pasa por los siguientes estados. Si el pago no llega o es rechazado, la orden puede terminar en failed o cancelled.

Each deposit transitions through the following states. If payment is not received or is rejected, the order may end in failed or cancelled.

flowchart LR
    A([created]) --> B([pending_payment])
    B --> C([payment_received])
    C --> D([completed])
    B --> E([cancelled])
    C --> F([failed])

    style A fill:#6c757d,color:#fff
    style B fill:#ffc107,color:#000
    style C fill:#0d6efd,color:#fff
    style D fill:#198754,color:#fff
    style E fill:#dc3545,color:#fff
    style F fill:#dc3545,color:#fff

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Tech stack

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)

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Features

• 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

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Local setup

Requirements

• Node.js 18+
• Python 3.10+
• Freighter browser extension
• Stellar Testnet account with test USDC

Frontend (CreditRoot)

cd CreditRoot
npm install
npm run dev

Runs at http://localhost:5173. The Etherfuse proxy runs automatically at /api/cetes-rate during development.

Telegram bot (manana-seguro-bot)

cd manana-seguro-bot
pip install -r requirements.txt
cp .env.example .env
# Fill in your credentials
python bot.py

Environment variables (bot)

Create 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

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Deploy

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.

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Contributing

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.

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Team

Name	Role
Davor	Frontend + Backend + Blockchain
Ulises	Frontend + Telegram Bot
Nano	Frontend
Daniel	Pitch
Renata	Pitch

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License

MIT

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Mañana Seguro runs on Stellar Testnet. Do not use real funds. All activity happens on Stellar's test network.