SENDO

SENDO – The Stablecoin Network for Everyone, Everywhere

In the modern financial landscape, billions of people still live disconnected from the digital economy. According to the World Bank and GSMA’s 2024 Mobile Economy reports, more than 1.4 billion adults worldwide remain unbanked, and an estimated 700 million people in Latin America, Africa, and Southeast Asia rely exclusively on basic cellphones without reliable internet access. They are active participants in local economies, entrepreneurs, and family providers, yet they are excluded from the financial tools that power global commerce.

SENDO was created to bridge this divide — a stablecoin-based payment network that works on any mobile phone, even without internet, powered by artificial intelligence and a human-centered design philosophy.

The Problem: Connectivity and Financial Access

While fintech innovation has advanced rapidly, most digital wallets and crypto-based payment systems assume the user owns a smartphone and has access to mobile data. In much of the Global South, that assumption simply doesn’t hold.

In Latin America, more than 250 million adults lack a bank account, and in Sub-Saharan Africa, around 400 million do. Despite this, nearly everyone owns at least a 2G-enabled GSM phone — the same kind of device that transformed Kenya’s economy through M-Pesa.

However, M-Pesa and similar systems rely on closed, telecom-controlled infrastructures and national currencies, which restrict interoperability across borders. At the same time, traditional remittance and banking systems remain slow, expensive, and regionally fragmented. Sending $100 internationally can still cost $7-10 USD in fees and take days to settle.

This is where SENDO steps in — with an open, blockchain-powered architecture using stablecoins (like PYUSD or USDC) to provide instant, borderless, and low-cost transactions, accessible from the most basic device.

The Solution: Stable Payments Through Simple Messages

SENDO enables users to send, receive, and manage digital dollars directly from their mobile phone — no apps, no data plan, no bank account required.

A user simply sends an SMS command or dials a USSD code, such as:

balance deposit pyusd-arb 30 transfer +523113436352 PYUSD-ARB 20 withdraw pyusd-arb 10

Behind these simple text interactions lies a robust Web3 infrastructure. The message is interpreted by SENDO’s AI-driven backend, which processes the request, signs and submits the transaction on-chain, and replies to the user with confirmation and balance updates — all in real time, through standard mobile networks.

This design allows SENDO to operate in rural areas, disaster zones, or developing regions where data coverage is inconsistent or nonexistent. By leveraging stablecoins, SENDO avoids the volatility of cryptocurrencies while maintaining the speed, transparency, and borderless nature of blockchain payments.

The Role of AI — Powered by ASI:ONE

At the core of SENDO’s intelligence layer is an agent built upon ASI:ONE, an AI orchestration framework that allows modular agents to interact with blockchain data, user inputs, and external APIs.

The SENDO Agent is responsible for:

Natural-language understanding: Users can type or speak in plain language — “Send 20 dollars to Lalo tomorrow” — and the agent interprets the intent, extracts entities, and converts them into valid blockchain transactions.

Data retrieval: The ASI:ONE-based agent can query blockchain state, price feeds, or user balances securely and in real time.

Security and fraud detection: The agent evaluates risk patterns (amount, frequency, location) and requests confirmation when anomalies occur.

User education: Through conversational guidance, the agent teaches users how to save, transfer, or withdraw safely, creating digital literacy as part of each interaction.

This AI-driven interface removes one of the largest barriers in Web3 adoption: technical intimidation. Instead of learning about addresses, gas, or transaction hashes, users can simply converse with SENDO — in their local language, through the same phone they already use daily.

The “softening of conversational barriers” is not just a usability improvement; it’s a form of inclusive design. In contexts where literacy or tech fluency are limited, natural-language interaction becomes the bridge between human intention and digital action.

How It Works (Simplified Architecture)

Feature Phone │ SMS/USSD ▼ Telecom Gateway (Twilio, Infobip, Africa’s Talking) │ ▼ SENDO Backend (Node.js + Express) │ ├── Database: user accounts, balances, aliases, PINs ├── Relayer: signs and submits blockchain transactions ├── AI Layer: ASI:ONE agent for NLU + reasoning │ ▼ Blockchain Network (Base / Arbitrum / Celo) │ └── Stablecoin Contracts (e.g., PYUSD, USDC)

No internet required: messages travel through GSM. Low fees: gas is paid by SENDO’s relayer or subsidized by sponsors. Secure custody: each wallet is protected by a PIN and can later migrate to self-custody. Composable backend: easily integrates with identity verification, local cash-in/out agents, or government payment systems.

Why This Project Matters — Based on Research

Inclusion Beyond Connectivity Current digital finance assumes data connectivity, yet nearly 30% of the world’s population remains offline. Research from the GSMA’s State of Mobile Internet Connectivity 2024 confirms that the unconnected population is heavily concentrated in rural LATAM, Sub-Saharan Africa, and SEA — precisely the markets SENDO targets.

Stablecoins as a Global Equalizer The 2024 Chainalysis Global Crypto Adoption Index highlights that stablecoins dominate over 60% of crypto transaction volume in emerging economies, as users seek protection from local currency volatility. SENDO capitalizes on this trend, using stable value assets (e.g., PYUSD on Arbitrum) as the default currency for day-to-day transactions.

Cost Efficiency and Speed Traditional cross-border payments average 6.5% in fees and take up to three business days. SENDO transactions settle in seconds and cost fractions of a cent — democratizing access to real-time global value transfer.

AI as the On-Ramp to Digital Finance According to MIT’s 2024 AI for Development report, AI-driven conversational systems can reduce onboarding friction by up to 80% for first-time digital finance users. SENDO leverages this by making the AI the interface, not a separate feature. The agent doesn’t just process transactions — it teaches, guides, and protects users in context.

Local and Global Interoperability By operating on open blockchain networks and communicating through universal SMS/USSD, SENDO provides a global standard for local payments, overcoming the interoperability gaps that plague traditional banking and even regional fintech systems.

Security and Trust

SENDO balances simplicity with robust security: PIN verification for every sensitive action. Risk scoring and transaction limits until KYC tiers are verified. Encryption and tokenization of all message data between gateways and backend. Multi-signature custodial wallets in early stages, migrating to smart account architecture as infrastructure matures.

The AI agent never stores private keys; instead, transactions are executed by a trusted relayer service, and users can later export their funds to self-custody wallets when ready.

Vision

SENDO’s long-term mission is to create a universal payment fabric — one that doesn’t depend on hardware, internet access, or national banking systems. It aspires to become the “stable layer for human exchange,” where every person, regardless of geography or income, can send, save, and grow value safely.

The project also opens a path for humanitarian aid, remittances, micro-savings, and agricultural payments in places where fintech apps will never reach, yet GSM networks already do.

Call to Action

It’s time to experience what inclusion really feels like. You don’t need an app, an exchange account, or even Wi-Fi. All you need is a phone and a message.

Try SENDO now:

balance deposit pyusd-arb transfer +523311436552 PYUSD-ARB 20 withdraw pyusd-arb 10

SENDO will respond instantly — because financial freedom should be as simple as sending a text.

SENDO – Stablecoins for everyone, everywhere.

Sendo is built as a simple text-to-blockchain payment network using Twilio for messaging, Arbitrum as the blockchain, PYUSD as the stablecoin, ASI:ONE for the AI agent layer, and a small set of APIs that connect everything.

User sends an SMS like “transfer +523311436552 PYUSD-ARB 20”.

Twilio forwards the message to the Sendo backend through a webhook.

The backend reads the message, checks who the user is, and passes the text to an AI agent built on ASI:ONE.

The ASI:ONE agent understands what the user wants, validates the data, and calls internal APIs such as getBalance, sendPayment, or withdraw.

The payment API interacts with Arbitrum through a relayer that signs and sends the PYUSD transaction on chain.

Once confirmed, Sendo sends a reply SMS with the result and updated balance.

The system works without internet because it relies on Twilio’s SMS gateway and a backend that manages both the communication and the blockchain actions.

The architecture has these main parts:

Twilio: receives and sends SMS messages.

Backend API: written in Node.js or Python, handles user sessions and connects to other services.

AI Layer: the ASI:ONE agent parses language, helps the user complete missing data, detects fraud risk, and keeps conversations simple.

Blockchain Layer: Arbitrum network where PYUSD stablecoin transactions are executed.

Database: stores users, balances, and transaction history, but never private keys.

Relayer: manages blockchain transactions securely and pays gas on behalf of users.

Sendo uses a single relayer account or smart accounts that hold user funds safely. Each user has a PIN to confirm transactions, and all data is encrypted. For small prototypes, an internal ledger can handle instant transfers between users before moving funds on chain.

Multiple external APIs are connected for compliance, KYC verification, exchange rates, and on/off ramps to local currencies. When a user deposits or withdraws, Sendo communicates with these partners to manage fiat conversions or agent cash-outs.

Security is handled through PIN validation, rate limiting, transaction limits by KYC tier, encryption of personal data, and HMAC validation of Twilio webhooks. The relayer keys are stored in a secure module or multi-party custody system.

In summary:

Twilio handles all SMS messaging.

ASI:ONE gives the AI agent that interprets natural language and connects to blockchain tools.

Arbitrum runs the PYUSD stablecoin transfers.

APIs and a central backend connect all pieces and ensure security and compliance.

This stack makes it possible for anyone with a basic phone to send or receive stablecoins simply by texting commands such as:

-balance -deposit pyusd-arb -transfer +523311436552 PYUSD-ARB 20 -withdraw pyusd-arb 10