Sobre

One Sobre.
No matter the distance.

The shared family wallet for overseas workers. Every deposit splits into envelopes the household agreed on, the moment it arrives.

Open a Sobre
The reality

Money sent home, but it's never enough.

Years of work abroad. Billions sent home. And yet, most families still come up short.

$35.6B
yearly remittances from OFWs — yet most families struggle to save.
8 in 10
OFWs return home with no savings after years of working abroad.
96%
of remittances are consumed by food and other basic needs.
1 in 5
OFW families run out of money before the next remittance arrives.
Sources: BSP, GMA News, Rappler, Ateneo Policy Brief 2020
How it works

Sending home, simplified.

Four steps. No banks. No middlemen. Just your family on the same page.

1
Open a Sobre.

Open a shared wallet from your phone in under 60 seconds. Invite your family with a link.

2
Set the split.

Three envelopes: Groceries, Tuition, Savings. Pick the percentages. ₱10,000 becomes ₱5,000 / ₱3,000 / ₱2,000 automatically.

3
Send. Split. Done.

The moment a deposit lands on Stellar, Sobre splits it across the envelopes. Both sides see it instantly.

4
Every peso has a place.

Set a daily limit. Lock specific envelopes so big spends need admin approval. Savings earns interest while it sits.

The product

Not just a wallet. A plan for the family.

Incoming
₱ 10,000
625 XLM · from Riyadh
Groceries · 50%
₱ 5,000
Tuition · 30%
₱ 3,000
Savings · 20%
₱ 2,000
Settled on Stellar in 4.7 seconds · fee ₱0.04

Decide once. Sobre handles it forever.

₱10,000 in → ₱5,000 Groceries, ₱3,000 Tuition, ₱2,000 Savings. No more dividing the money by hand after a long shift.

Daily limit per member
₱ 500
Tuition needs approval
Locked
Savings needs approval
Locked
Groceries stays open for small day-to-day spends.

Set a daily limit. Lock the important envelopes.

As admin you can cap each member's daily spend or require approval on specific envelopes like Tuition or Savings. Spends that cross the line wait for your sign-off before the funds move.

Savings envelope
₱ 11,856.90
741 XLM
Est. 4.5% APY
JanMarMayJulSepNov

Money in Savings actually earns.

Money in your Savings envelope earns competitive yield from regulated dollar-backed reserves. Better than letting it sit in a regular bank account losing value to inflation.

Why this works

Built on infrastructure you can audit.

Sobre is built on Stellar — the same chain used by MoneyGram for cross-border payouts. The contract is token-agnostic, so the same wallet works for XLM today and stablecoins on the roadmap. Every transaction is public and verifiable.

Built on Stellar

Your wallet is a smart contract on Stellar. No bank in the middle.

Verifiable on-chain

Every deposit, spend, and approval is a public transaction.

Fractions of a cent

Stellar charges micro-fees per transaction. Sobre adds zero.

Two sides, one wallet

For the sender. For the family. Same wallet.

For the sender

Send home with zero guesswork.

  • See where every peso goes, in real time.
  • No more panic calls asking for extra money.
  • Set the split once. Sobre handles it forever.
  • Sleep better knowing nothing falls through the cracks.
For the family at home

Each person has their own envelope.

  • No fighting over who spent what.
  • Big purchases need admin approval, so there's no impulse spending.
  • Real-time visibility into the whole wallet.
  • Savings grows automatically while you focus on family.
FAQ

Frequently asked questions

No. Sobre is a smart contract wallet on the Stellar blockchain. Your balances live on-chain, and the contract is token-agnostic — we use XLM today, with USDC support on the roadmap.
Just a phone. Sobre works on iPhone, Android, and any web browser. No KYC, no minimum deposit.
Send native XLM from any Stellar wallet (we use Freighter for the demo). On-ramp partners like Transak that convert pesos to Stellar tokens are on the roadmap.
Yes — through off-ramp partners like MoneyGram, you can cash out anywhere in the Philippines.
Only the admin can change the envelope split. All transactions are visible to every member. Big spends require approval. Designed to prevent conflict, not create it.

Open the Sobre. Open the plan.

Open a wallet in 60 seconds. Invite your family. Send your first remittance.

Start with Sobre, free
Open a Sobre