Sobre

One Sobre.
No matter the distance.

The shared family wallet for overseas workers. Every deposit splits into envelopes the household agreed on, the moment it arrives.

Open a Sobre

Money sent home, but it's never enough.

Years of work abroad. Billions sent home. And yet, most families still come up short.

$35.6B
yearly remittances from OFWs, yet most families struggle to save.
8 in 10
OFWs return home with no savings after years of working abroad.
96%
of remittances are consumed by food and other basic needs.
1 in 5
OFW families run out of money before the next remittance arrives.
Sources: BSP, GMA News, Rappler, Ateneo Policy Brief 2020

Sending home, simplified.

Four steps. No banks. No middlemen. Just your family on the same page.

1
Open a Sobre.

Open a shared Sobre from your phone in under 60 seconds. Invite your family with a link.

2
Set the split.

Three envelopes: Groceries, Tuition, Savings. Pick the percentages. ₱10,000 becomes ₱5,000 / ₱3,000 / ₱2,000 automatically.

3
Send. Split. Done.

The moment a deposit lands on Stellar, Sobre splits it across the envelopes. Both sides see it instantly.

4
Every peso has a place.

Set a daily limit. Lock specific envelopes so big spends need admin approval. Savings earns interest while it sits.

Not just an account. A plan for the family.

Total balance
₱10,000.00

Decide once. Sobre handles it forever.

₱10,000 in → ₱5,000 Groceries, ₱3,000 Tuition, ₱2,000 Savings. No more dividing the money by hand after a long shift.

Household policy
Daily limit per admin
Tuition needs approval
Savings needs approval
Always locked

Set a daily limit. Lock the important envelopes.

As admin you can cap each member's daily spend or require approval on specific envelopes like Tuition or Savings. Spends that cross the line wait for your sign-off before the funds move.

Savings envelope
₱0.00
+₱0.00 earned this year
JanMarMayJulSepNov

Illustrative growth. Sobre does not guarantee any specific rate of return.

Money in Savings actually earns.

Money in your Savings envelope quietly earns interest while it sits. Better than leaving it in a regular bank account and watching inflation eat it.

Money you can actually trust.

Sobre runs on Stellar, the same network MoneyGram uses to move money worldwide. Your balance is held as USDC, a digital dollar backed 1:1 by real US dollars in reserve, so it doesn't lose value like crypto can. Every peso in and every peso out is recorded in the family's activity feed.

No bank in the middle

Your money sits in your family's Sobre, not on a bank's books. Only you and the members you invite can move it.

Nothing hidden

Every deposit and every spend shows up in the activity feed for the whole household to see.

Practically no fees

Sending, splitting, and moving money costs a fraction of a cent. Sobre doesn't add its own charge.

For the sender. For the family. Same wallet.

Send home with zero guesswork.

  • See where every peso goes, in real time.
  • No more panic calls asking for extra money.
  • Set the split once. Sobre handles it forever.
  • Sleep better knowing nothing falls through the cracks.

Each person has their own envelope.

  • No fighting over who spent what.
  • Big purchases need admin approval, so there's no impulse spending.
  • Real-time visibility into the whole Sobre.
  • Savings grows automatically while you focus on family.

Frequently asked questions

No. Sobre is a shared account for your family, run by open software on the Stellar network. Your money is held as USDC, a digital dollar backed 1:1 by real US dollars in reserve, so it doesn't lose value like crypto can.
Just a phone. Sobre works on iPhone, Android, and any web browser. No ID upload, no minimum deposit.
Pay in pesos via PDAX using InstaPay QR from your bank or e-wallet. PDAX turns it into USDC and drops it into your Sobre automatically. Sobre splits it across your envelopes the moment it lands.
Yes. Through partners like MoneyGram, you can withdraw pesos anywhere in the Philippines.
Only the admin can change the envelope split. All transactions are visible to every member. Big spends require approval. Designed to prevent conflict, not create it.

Open the Sobre. Open the plan.

Open a Sobre in 60 seconds. Invite your family. Send your first remittance.

Start with Sobre, free