WE SUBMITTED REMITSTAKE TO THE CREDITCOIN BUILD CTC 2026 HACKATHON
After winning 2nd place at the Creditcoin Addis Ababa Ideathon and building the platform in one month, we submitted RemitStake to the Creditcoin international Build CTC 2026 hackathon under the DeFi track.
DeFi Track — Build CTC 2026
THE JOURNEY SO FAR
It started with a pitch. At the Creditcoin Addis Ababa Ideathon in December 2025, we presented RemitStake and walked away with 2nd place. The judges saw what we saw: remittance-backed on-chain credit is not a concept, it is an infrastructure layer the world is missing.
We did not wait. One month after the ideathon, RemitStake was live — a fully operational protocol with real vault contracts, AI scoring, and 78+ corridor integrations. Now we are taking it to the global stage with the Creditcoin Build CTC 2026 international hackathon.
THE DEFI TRACK SUBMISSION
RemitStake was submitted under the DeFi track. The submission covers the full protocol stack: the remittance verification layer using Creditcoin USCs, the AI-powered LTV scoring engine trained on 500K+ historical remittance patterns, the smart vault contracts on Creditcoin testnet, and the webhook-based MTO integration pipeline.
The core argument is simple but powerful: when a remittance recipient has 6 months of verified on-chain inflows, they should be able to borrow against next month's remittance. No collateral. No bank. No bureaucracy. Just an on-chain credit score built from the most reliable financial signal in the developing world.
Vault Contracts
Smart contracts deployed on Creditcoin testnet. Multi-asset support, programmable withdrawal controls, and liquidation protection.
AI Scoring Engine
XGBoost + TensorFlow ensemble model. 94% repayment prediction accuracy. Real-time inference under 50ms per request.
MTO Webhook Layer
Production-ready REST API for money transfer operator integration. 78 corridors live, Chainlink price feeds, 60s heartbeat.
Credit Issuance
Automated Creditcoin USC disbursement against verified remittance history. Zero-collateral micro-loans from $50 to $500.
DEFI FOR THE REAL WORLD
Most DeFi is built for people who already have capital. RemitStake flips that. We are building DeFi for the 1.4 billion unbanked adults who send and receive money across borders every month but have nothing to show for it in the traditional financial system.
Creditcoin's USC infrastructure is the missing link — it provides the verifiable, immutable record of remittance history that traditional finance never had access to. RemitStake turns that record into credit. That is the DeFi track submission. That is the product. That is the mission.
FIVE BUILDERS
Dagim Abebe
Lead Engineer & Protocol Architect
Abdurahman Nur
Smart Contract Developer
Solomon Getnet
AI/ML Engineer
Eden Mengiste
Frontend & UX
Sudeys
Integration & Backend
Explore the platform
The same protocol we submitted — live and running.