{"data":{"proposalCid":"QmUqTopZWDXiwxkgV7CWFNiuBTFRH6bgeHba3pH2nktCSB","content":"Hey [@W1ZSPR3](1ZSPR3zNg5Po3obkhXTPR95DepNBzBZ3CyomHXGHK9Uvx6w-polkadot) thanks for the thoughtful question. You're right that $500/month per user is a high bar, but it's one we're deliberately setting based on the behavior of target users already spending and saving in USD-pegged stablecoins through fintech apps across LatAm.\n\n**Distribution**\n\nWe’re not starting from zero. Our go-to-market is B2B2C, partnering with fintechs and institutions that already have distribution:\n\nKontigo – 200K+ users (Venezuela/global)\nLittio – 120K+ users (Mexico, Colombia, Argentina)\nCocoWallet – 4K+ users (Spain, Venezuela, Colombia)\nDavivienda – early conversations; they’re exploring crypto rails\n\nEach of these organizations is actively looking to offer cards to their user base, and we're enabling them to do it via Bloque. Our model is white-label-ready: they keep their frontend, and we provide the backend infrastructure—KYC, issuing, Asset-hub custody, etc.\n\nHowever, I'm a advocate for Social impact programs, thats why we also plan to launch in parallel a street distribution to low end people in Colombia.\n\n\n**Why the 500 USD** // I took this from our FAQ.\n\nOur $500/mo is captured card spend, not income. The bottom‑up applies to the debit‑card program we’re deploying for the most‑needed users (esp. remittance recipients,):\n\nRemittances (40–55%): $300–$360/mo (Banxico avg ≈$393; IDB median ≈ $300; ~80% essentials -> cardable).\nUSD freelancers (25–35%) $700–$900/mo (USD payouts + daily spend routed to card).\nCommunity/Crypto/FX savers (15–25%) $550–$650/mo (stable‑value top‑ups → bills/POS).\nWeighted 50/30/20 = $535 we budget $500.\n","contentType":"markdown","commenterNetwork":"polkadot","version":"2","timestamp":1753714820},"address":"1RH6JyKxjdMP2Wo6YB4tH1BBsiwaKTmxcZWZR8MtYGdMWRZ","signature":"0xde5b67aa80bcb118b2af8ab848098cc203aa941ecd66dd600c3537958674b92789f9e5ac5cbd3758e77ec9d08da4ef7c6388a3436aa996233c383cd237ea6684","version":"2"}