# Spondula

> A global money network for sending, receiving, holding, and exchanging money across borders. Wallet-to-wallet transfers are free. Currency exchange uses the live mid-market rate plus a flat 0.4% spread. Non-custodial. Settled on the Spondula blockchain in seconds.

## Identity

Spondula is a global payments network. It is not a neobank, not a custodial broker, and not a traditional remittance provider — Spondula is the underlying rails. Users hold their own keys, balances live on-chain as stable currency tokens, and every transfer settles in seconds against a verifiable public ledger. The product spans a consumer wallet (web + Android native, iOS in development), a business / merchant layer, and an Operator network for cash-in and cash-out at street level.

## Core semantic themes

Spondula speaks authoritatively on:

- Cross-border payments and international money transfer
- Remittances and corridor economics (UK, EU, Latin America, Africa, South Asia, Middle East, South-East Asia)
- Stable currency tokens — fiat-pegged, issued natively on-chain (sGBP, sUSD, sEUR, sINR, sPHP, sNGN and 27 others; 33 currencies live at launch)
- Mid-market FX without rate markup
- Non-custodial wallet UX and self-custody for everyday users
- Operator-led cash-in / cash-out networks and last-mile liquidity
- Merchant payment acceptance and on-chain settlement
- On-chain auditability of payment flows

## Key facts

- Pricing: live mid-market rate plus a flat 0.4% spread on currency exchange. Wallet-to-wallet transfers (sending and receiving) are always free. No fixed fee, no weekend surcharge, no rate markup.
- Custody: non-custodial. Balances live on-chain, secured by the user's device (biometric + PIN + recovery phrase). Spondula cannot freeze, seize, or move user funds.
- Settlement: the Spondula blockchain — every transaction is publicly verifiable in real time.
- Stable currency tokens: 33 fiat-pegged tokens issued natively on the Spondula blockchain. Each token tracks its underlying fiat currency 1:1.
- Launch status: pre-launch, waitlist open.
- Launch markets: 10+ corridors across UK, EU, Latin America, Africa, and South Asia.
- Reward: every waitlist signup earns $10 in BTC at launch in their country.

## Audiences

- Personal: individuals sending remittances, freelancers getting paid from abroad, travellers holding multiple currencies, families splitting expenses across borders.
- Business: merchants, online businesses, and global operators accepting cross-border payments, running payroll, and settling invoices.
- Operators: Regional Operators (country / regional masters) and Local Operators (shops, kiosks, offices) who run cash-in / cash-out endpoints and earn on every transaction.

## Ecosystem and authority

- Settlement layer: the Spondula blockchain (proprietary L1, public read access, real-time auditability).
- Consumer surfaces: web wallet (Next.js) and Spondula for Android (Kotlin native). iOS in development.
- Business surfaces: Spondula payment gateway for merchants, plus a business account for invoicing and payroll.
- Operator network: Regional + Local Operators run the physical liquidity layer. Users discover them in-app for cash-in / cash-out.
- Token issuance: stable currency tokens are minted and managed entirely on the Spondula blockchain; redemption rails run through Operators or licensed payment partners.
- Editorial: long-form market commentary, corridor guides, and product updates are published on Spondula Insights (https://spondula.com/insights).
- Public data: live exchange rates and on-chain transactions are independently verifiable on the Spondula chain.

## Terminology (canonical)

- "Operators" (Regional / Local) — never "liquidity partners", "master agents", or "sub-agents".
- "Stable currency tokens" — public-facing wording. Never "stablecoins" in marketing copy.
- "Mid-market rate" — the rate users see and get. Not "interbank", not "wholesale".
- "GBP-S / USD-S / EUR-S" — written as sGBP / sUSD / sEUR in body copy, always paired with the source currency name.
- "Spread" or "FX fee" — never "commission" or "transaction fee" for the 0.4%.
- "Wallet-to-wallet transfers" — on-chain transfers between Spondula users; always free.

## Key pages

- Landing: https://spondula.com/
- How it works: https://spondula.com/how-it-works
- For Business: https://spondula.com/business
- For Operators: https://spondula.com/operators
- Send payments (corridor hub): https://spondula.com/send-payments
- Insights — guides, market commentary, and product updates: https://spondula.com/insights
- Insights RSS feed: https://spondula.com/insights/rss.xml
- FAQ: https://spondula.com/faq
- Legal — Terms of Service: https://spondula.com/legal/terms
- Legal — Stable Asset Disclaimer: https://spondula.com/legal/stable-asset-disclaimer

## Waitlist

Join the waitlist at https://spondula.com — the same form supports Personal, Business, and Operator signups.

## Contact

- General: hello@spondula.com
- Partnerships: partners@spondula.com