> ## Documentation Index
> Fetch the complete documentation index at: https://docs.uw.stargate.is/llms.txt
> Use this file to discover all available pages before exploring further.

# Introduction

> Welcome to the documentation home for the Universal Wallet by Interstellar

```mermaid theme={null}

graph TB
    subgraph National Stakeholders
        issuer[Issuer<br/>Central Bank]
        distributor[Distributors<br/>Commercial Banks]
        merchant[Merchants<br/>Supermarkets, Government]
        user[End Users<br/>Mobile Phone Wallets]
    end
    
    subgraph Universal Wallet by Interstellar
        issuerPortal[Issuer Portal<br/>Token Minting & Distributor Management]
        distributorPortal[Distributor Portal<br/>Cash In/Out & KYC]
        merchantPortal[Merchant Portal<br/>Payment Collection]
        wallet[End User Wallet<br/>P2P & Payments]
        blockchain[(Blockchain<br/>Account Balances & Transactions)]
    end
    
    issuer -->|Mints tokens to distributors| issuerPortal
    distributor -->|Cash in/out, onboarding| distributorPortal
    merchant -->|Collect payments| merchantPortal
    user -->|Send/receive money| wallet
    
    

    style issuer fill:#e1f5ff
    style distributor fill:#fff4e1
    style merchant fill:#f0e1ff
    style user fill:#e1ffe1
    style blockchain fill:#ffe1e1

```

**Interstellar’s Universal Wallet** is a regulated digital asset platform that enables licensed FSIs to convert fiat into stablecoins and tokenized real-world assets, and to securely hold, transfer, and redeem them on-chain.

Universal Wallet addresses the needs of four key stakeholders through dedicated portals:

## 1. Issuer Portal

The Issuer Portal enables licensed FSIs to:

* Onboard and manage authorized distributors (commercial banks, financial institutions)
* Mint new tokens with multi-signature approval controls
* Monitor total token supply and distribution
* Define KYC levels and transaction limits
* Track system-wide activity and compliance

New tokens are issued exclusively to authorized distributors, maintaining controlled distribution and regulatory oversight.

## 2. Distributor Portal

The Distributor Portal empowers commercial banks and authorized financial institutions to:

* Manage multiple branches and teller locations
* Process cash-in operations (convert physical cash to digital tokens)
* Process cash-out operations (convert digital tokens to physical cash)
* Onboard new users and merchants with KYC verification
* Monitor and manage token float across branches
* Generate API keys for system integration
* Track commissions and reconcile daily operations

Distributors serve as the critical bridge between the physical and digital economy.

## 3. Merchant Portal

The Merchant Portal allows businesses and organizations to:

* Accept digital token payments via short codes and QR codes
* Manage multiple branches and point-of-sale tills
* Generate unique payment identifiers for each location
* Request cash-out through authorized distributors
* Access real-time sales analytics and transaction history
* Integrate via API for e-commerce and automated payments
* Export financial reports for accounting and reconciliation

Merchants include government agencies, retailers, airlines, utilities, and any business accepting payments.

## 4. End User Wallet

The End User Wallet provides citizens with:

* Simple, mobile-first interface for everyday transactions
* Peer-to-peer transfers using mobile numbers
* QR code scanning for merchant payments
* Cash-in and cash-out via nearby distributors
* Real-time transaction history and receipts
* Multi-language support (i18n ready)
* Secure authentication with PIN and biometrics
* Tiered KYC levels for appropriate transaction limits

Available as a web application with iOS and Android mobile apps.