Replacing 7-30 day correspondent banking settlement with stablecoin infrastructure that settles in seconds: live on XRPL Testnet and Solana Devnet.
The global cross-border parcel business still runs on outdated financial rails. Settlements pass through multiple correspondent banks; triggering: fees, delays, trapped liquidity, currency risk.
| Pain Point | Current Reality |
|---|---|
| Settlement time | 7 to 30 days |
| Correspondent banks | 2 to 3 hops |
| Transaction cost | 5 to 7% of value |
| Visibility | None until funds arrive |
| Working capital | Trapped in receivables |
| Reconciliation | Manual, error-prone |
Postal operators in developing markets bear the highest cost and have uneven access to correspondant banks.
AtomicPost is a stablecoin treasury infrastructure that replaces correspondent banking for cross-border postal settlement. It sits at the settlement layer. Same clearing logic: net positions, issue coins, execute. Final, in seconds. We’re building atomic settlement rails. No correspondent banks. No trapped cash. No FX exposure. This paves the way for programmable value-sharing.
┌─────────────────────────────────────────────┐
│ TRADITIONAL SETTLEMENT │
│ │
│ Operator A → Bank → Correspondent │
│ → Bank → Operator B │
│ │
│ Time: 7-30 days │ Cost: 5-7% │
│ Hops: 2-3 banks │ Visibility: None │
└─────────────────────────────────────────────┘
┌─────────────────────────────────────────────┐
│ POSTAL SETTLE │
│ │
│ Treasury confirms USD backing │
│ ↓ │
│ Mint USD-ST stablecoin │
│ ↓ │
│ Operator A → XRPL/Solana → Operator B │
│ ↓ │
│ Burn tokens, release USD │
│ │
│ Time: 3-5 sec │ Cost: <0.01% │
│ Hops: 0 banks │ Visibility: Full │
└─────────────────────────────────────────────┘
These are real transactions executed during development, publicly verifiable on Solana Devnet demonstrating the settlement protocol for Posts.
| Step | Transaction | Explorer |
|---|---|---|
| 1 | USD-ST Issuance: treasury mints stablecoin | View on Solana |
| 2 | Cross-Border Settlement: operator payment | View on Solana |
| 3 | Token Redemption: burn and release | View on Solana |
All three transactions demonstrate the complete stablecoin lifecycle: mint fiat-backed tokens on demand, execute cross-border settlement, burn tokens to release USD backing.
Complete 7-screen treasury application with real transactions including issuance, settlement, partial settlement with carry-forward, reconciliation and burn.
Steps to run app.py and walk through all seven screens. Reference DEMO.md for the complete walkthrough guide.
- Manual USD backing confirmation per cycle
- Single-action issuance authorization
- Real-time reserve utilization monitoring
- Hard cap enforcement on issuance
- Full and partial settlement execution
- Automatic carry-forward for partial obligations
- Inbound and outbound settlement tracking
- Settlement comparison: traditional vs blockchain
- XRPL Testnet: native issued currency
- Solana Devnet: SPL token program
- Chain-agnostic architecture
- Real transaction verification
- Automated reconciliation engine
- Exception detection and management
- Full audit trail with timestamps
- CSV export for regulatory review
Cross-Border stablecoin treasury
| Requirement | AtomicPost |
|---|---|
| Mint fiat-backed stablecoins on demand | ✅ USD-ST issuance against confirmed USD |
| Redeem stablecoins | ✅ Burn flow with USD release |
| Move money across borders instantly | ✅ 3-5 second settlement on XRPL/Solana |
| Automate treasury operations | ✅ 7-screen dashboard with full lifecycle |
| Fewer intermediaries | ✅ Zero correspondent banks |
| Audit and compliance | ✅ Immutable on-chain audit trail |
CSV Parcel Data
↓
Off-Ledger Clearing Engine
↓
Treasury Dashboard (Flask)
↓
┌─────────────┬──────────────┐
│ XRPL Layer │ Solana Layer │
│ xrpl-py │ solana-py │
│ Issued curr │ SPL Token │
└─────────────┴──────────────┘
↓
Reconciliation Engine
↓
Audit Log + CSV Export
| Screen | EPIC | Function |
|---|---|---|
| Dashboard | EPIC 0 | Overview and quick actions |
| Clearing Setup | EPIC 0 | Net obligation entry |
| Reserve Governance | EPIC 1 | USD backing and authorization |
| Issuance | EPIC 2 | Mint and burn USD-ST |
| Settlement | EPIC 3+4 | Execute XRPL payments |
| Reconciliation | EPIC 5 | Auto-match transactions |
| Audit Log | EPIC 6 | Trail and CSV export |
- Python 3.9 or higher
- Git
git clone https://github.com/jcfinidori/AtomicPost.git
cd AtomicPost
pip install -r requirements.txt
cp accounts_template.json accounts.jsonXRPL testnet wallets and Solana Wallets installed.
python3 reset_demo.py
python3 app.pypython3 solana_service.pyapostal_poc/
├── app.py # Flask application
├── database.py # SQLite data layer
├── xrpl_service.py # XRPL integration
├── solana_service.py # Solana integration
├── reset_demo.py # Demo reset script
├── requirements.txt # Dependencies
├── accounts_template.json # Wallet template
├── templates/ # Seven HTML screens
│ ├── base.html
│ ├── dashboard.html
│ ├── clearing.html
│ ├── reserve.html
│ ├── issuance.html
│ ├── settlement.html
│ ├── reconciliation.html
│ └── audit.html
└── sample_data/ # Sample CSV files
Phase 1 — Current PoC
- Complete treasury dashboard on testnet
- Real blockchain transactions verified
- Solana devnet integration
Phase 2 — CSV integration
- Automated clearing from parcel CSV data
- Multi-operator netting engine
Phase 3 — Operator Pilot
- Real designated operator participation
- Middle East / Africa corridor
Phase 4 — Mainnet
- Real USDC on XRPL and Solana mainnet
- Production treasury controls
Phase 5 — Multi-chain
- Liquidity pooling across chains
- Automated FX conversion
I witness operators struggling with legacy banking infra, high inflation, currency instability. And now the global system itself is shifting; causing fragmentation.
Built for settlement corridors in complement of the Universal Postal Union (UPU) designated operator clearing rules.
Target corridors: Middle East to Africa; Asia/Pacific; Europe to Africa Operators: Designated postal operators
This PoC demonstrates that postal operators can settle cross-border obligations without correspondent banking infrastructure; making financial settlement accessible to operators in developing markets.
MIT License — see LICENSE file