Also One of the important aspects of this project is to create an open protocol for bill pay payment on Stellar. Most of the costs of cross border payments is due to regulatory hurdles and if proper information is collected and travels with each Stellar payment in the memo_id. wallets, credit unions, money transfer operators can offer them easily and thats what we have designed saldosfera.mooneda.com. Starting with payments immigrants need, or americans who want to pay their utilities across the border for their houses in Mexico or dozens of billions that go to clinics and doctor in the healthcare tourism .
