Sovereign at the core. Open at the interfaces.
What it is
Universal Wallet Infrastructure lets an operator — a central bank, a national or regional switch, a commercial bank, a banking consortium, a payment network or a regulated digital-money issuer — run one sovereign layer that connects many participants to many payment rails, currencies and forms of regulated money.
Participants connect once. UWI authenticates, validates, screens, routes, tracks and reconciles every transaction across the rails behind it.
A permissioned distributed-ledger core settles transactions atomically, around the clock, with one authoritative shared record.
Tokenised deposits, regulated stablecoins, settlement tokens, tokenised securities and other real-world assets are native instruments on the same ledger, switched on only when the operator authorises them.
How it works
Every participant connects once. From there, Interstellar's orchestration layer authenticates, screens and routes each instruction to the right rail — or settles it directly on the Stargate ledger.
Built for sovereignty
Quantum-ready from day one
UWI's keys and signatures are built on cryptographic agility: a defined hybrid migration path to post-quantum standards, with the operator deciding the sequence.
Who it's for
Use cases
Tokenised reserves settle between banks at any hour; balances reconcile with RTGS when it is open.
One integration point connecting banks, wallets and PSPs, with alias lookup and status tracking.
Issuance, delivery-versus-payment trading, scheduled coupons and maturity redemption.
Best-compliant-route FX and settlement through regional and global networks.
Disbursements with eligibility, purpose and expiry rules, fully traceable.
Watcher nodes and analytics give supervisors a live view of positions and flows.
Adoption path
Live within one to two weeks, tested against the operator’s own criteria.
One transaction type moves across; everything else continues as before.
Further rails, participants and digital-money instruments, added one at a time, on the operator’s schedule.
Track record
PAPSS African Currency Marketplace
Built with PAPSS so African currencies can be priced and settled directly without routing through hard currencies.
cNGN
Interstellar’s platform powers cNGN, Africa’s first licensed regulated stablecoin, in collaboration with the Central Bank of Nigeria and SEC Nigeria.
Commercial bank pilots
The platform is being piloted by selected commercial banks.
African Stablecoin Consortium
Interstellar is a founding member.
Frequently asked questions
Does UWI replace existing payment systems?
No. RTGS, ACH, instant payments, mobile money and international networks keep running. UWI works around them and can take on one transaction type at a time.
Is UWI a cryptocurrency platform?
No. The ledger is permissioned. Only institutions the operator admits can take part, and only instruments the regulator authorises exist on it.
Who runs the platform?
The operator. It holds the keys, data and operations; Interstellar implements, supports and upgrades on request, with open components, source-code escrow and full documentation protecting continuity.
Is UWI a single point of failure?
No. It is one logical service distributed across multiple active sites with Byzantine-fault-tolerant consensus.
A sovereign platform the operator runs on its own terms, from day one.