Howard Chen from SDF presents Vibrant, a non-custodial wallet built on Stellar for Argentina that uses protocol 13 and 15 features like fee sponsorship and sponsored reserves to eliminate user friction around transaction fees and minimum balances.
Howard Chen, Senior Software Engineer at SDF, demonstrates how Vibrant, a non-custodial digital wallet for Argentina, leverages Stellar's latest protocol features to solve real-world user experience challenges. The presentation covers CAP-15 (fee-bond transactions), CAP-33 (sponsored reserves), and CAP-23 (claimable balances) to enable users to transact without understanding or managing Lumens. Vibrant sponsors transaction fees and account reserves on behalf of users, allowing them to start with zero balance and make payments instantly. The wallet partners with local anchors like Table X to issue Argentine Peso tokens, helping users protect savings from inflation. The design prioritizes non-custodial principles, keeping user private keys client-side only, while the backend manages federation, account recovery via SAP-30, and deposit/withdrawal flows via SAP-24.
