What is Nester?
Nester is a decentralized savings and liquidity protocol built on Stellar/Soroban that automates crypto savings by diversifying deposits across multiple yield sources, while enabling instant fiat settlements.
A decentralized protocol that optimizes user deposits through diversified yield strategies and aggregated liquidity routes, providing instant swaps, fiat access, and a unified experience between DeFi earnings and real-world finance.
The Problem
Most people who hold stablecoins face a frustrating dilemma:
- Leave USDC/USDT idle in a wallet earning 0%
- Navigate the bewildering maze of DeFi protocols — learning about smart contracts, managing gas fees, tracking APYs across dozens of platforms
- Traditional off-ramps are slow (2-5 days), expensive (3-8% fees), and risky (P2P scams)
For 99% of people, this complexity means their money sits idle, losing value to inflation.
The Solution
Nester rests on four integrated pillars:
| Pillar | Purpose | Status |
|---|---|---|
| Stablecoin Savings | Automated vault-based yield on USDC/USDT/DAI | Stage 1 (MVP) |
| Automated Yield | Multi-asset yield optimization (XLM, BTC, ETH) | Post-MVP |
| Off-Ramp | Instant crypto → fiat via banking APIs | Stage 2 |
| Prometheus AI | Personalized financial intelligence via Claude | Ongoing |
Target Markets
Nester primarily targets emerging markets where crypto-to-fiat friction is highest:
- Nigeria (NGN) — primary launch market
- Ghana (GHS) — post-beta rollout
- Kenya (KES) — post-beta rollout
Tech Stack
Blockchain: Stellar / Soroban (Rust smart contracts)
Backend: Go + Chi router + PostgreSQL (Supabase)
Frontend: Next.js 16 + Tailwind v4 + StellarWalletsKit
Intelligence: Python + FastAPI + Claude API
Mobile: React Native (future)