Blockchain that helps people

Blockchain Development Company

Blockchain Sisters is a blockchain development company based in Canberra, Australia, specialising in blockchain software development for financial inclusion. We build wallets, savings tools and transparent aid systems for NGOs, cooperatives and financial-inclusion programmes. Founded in 2022, we have onboarded 740,000 people to their first wallet across 14 countries.

We deliver secure blockchain development that helps real people. Wallets, savings tools and transparent aid systems for financial inclusion, made for the organisations serving people the banking system left behind. Wallet-less by design, audited by default, across Celo, Stellar, Hedera and 5 more chains. A Certified B Corporation in Canberra, since 2022.

Talk to us See our work
740,000First wallets created
14Countries reached
120Communities served
B CorpCertified for impact

At a glance

  • Who: Blockchain Sisters Pty Ltd · Blockchain Development Company · Canberra, Australia · founded 2022 · Certified B Corporation
  • Impact: 740,000 people onboarded to their first wallet across 14 countries in the Pacific, Africa and Southeast Asia
  • Security record: 61 production contracts shipped · zero critical findings · AUD 0 in funds lost across all deployments
  • Certifications: ISO/IEC 27001:2022 (SAI Global) · SOC 2 Type II · Principles for Digital Development signatory
  • Delivery model: fixed-fee discovery in 3 weeks · full builds in 6 to 12 weeks · dedicated programme teams for multi-community platforms
  • Investment: from AUD 16,000 (discovery) to AUD 420,000 (multi-community programme) · nonprofit rates available

Where our engineers publish and speak

The Inclusion Brief Devpolicy Blog Impact Ledger Pacific Tech Review Good Code Weekly
What we build

Tools people without banks will actually use

Our blockchain application services keep the technology invisible. People see something simple, safe and built for them.

Community Wallets

Digital wallet development for people who open an account with a phone number, no seed phrase and no fees to pay. Wallet authentication is handled quietly in the background.

Savings Circles

Digital versions of the savings groups communities already trust, transparent and fair.

Transparent Aid

Donation and aid tracking from donor to recipient with on-chain analytics that design leakage out. Funders see every transaction live.

Microfinance Tools

Group loans, repayments and credit history that work for people the banks ignore.

Cooperative Ownership

Membership and tokenization of cooperative ownership so communities hold a real, verifiable stake on-chain.

Wallet-less Onboarding

Phone number or PIN sign-in with a wallet created quietly in the background. Decentralized identity development means no app to install and no seed phrase to lose.

Audits and Care

Audit-ready smart contracts before launch: Slither, Mythril, Foundry fuzzing and manual review. Then ongoing support and training for local teams.

Remittance Rails

Blockchain payments development for low-cost cross-border transfers. Web3 payment solutions so families keep more of every dollar sent home.

Smart Contracts

Maintainable smart contracts with role-based access controls, audited and gas-light, written to stay readable for years. Smart contract security is embedded from the first line.

Industries we serve

  • Women·s Cooperatives
  • Humanitarian Aid
  • Microfinance
  • Community Trusts
  • NGOs
  • FinTech Inclusion
  • Remittances
  • Agricultural Cooperatives

Engagement models

Technology

Our full technology stack

Concrete tools and protocols used across all 61 production contracts. Nothing proprietary that locks you in.

Supported chains

  • Celo · EVM, low fees, mobile-first, ERC-20 stable payments
  • Stellar · native multi-asset ledger, Soroban smart contracts
  • Hedera · high throughput, predictable micro-fees
  • Lisk · OP Stack L2, low cost, mobile SDK
  • Base · Coinbase OP Stack L2, EVM, account abstraction native
  • Polygon PoS · EVM, large existing wallet ecosystem
  • Optimism · OP Stack L2, mature tooling
  • Ethereum · primary settlement layer, highest audit tooling maturity

Smart-contract languages

  • Solidity · primary language for all EVM chains
  • Soroban (Rust) · Stellar smart contracts
  • Vyper · used where audit clarity is the highest priority
  • JavaScript / TypeScript · Hedera SDK and integration layers

Development frameworks

  • Foundry · primary testing and fuzzing harness across all EVM builds
  • Hardhat · deployment scripts and task automation
  • Halmos · formal symbolic testing for security-critical paths

Token standards

  • ERC-20 · stablecoin balances, cooperative shares, savings pools
  • ERC-721 · unique membership and aid-allocation tokens
  • ERC-1155 · multi-asset cooperative and programme tokens
  • ERC-4337 · account abstraction, wallet-less onboarding and gas sponsorship
  • Stellar native assets · stablecoin transfers and cooperative credits

Infrastructure and tooling

  • Slither + Mythril · static analysis in CI on every PR
  • The Graph · on-chain analytics and donor dashboards
  • Privy + account-abstraction bundlers · social sign-in without seed phrases
  • IPFS · off-chain document anchoring for aid records
  • Chainlink CCIP (where applicable) · cross-chain bridge for multi-chain programmes

Chain selection is driven by three constraints in the financial-inclusion niche: per-transaction fee after gas sponsorship, mobile-SDK maturity and whether the chain's stablecoin ecosystem fits the target currency. For every new engagement we recommend the chain that minimises end-user friction before any other criterion.

See chain selection guide
How we work

We start with the people, not the technology

Blockchain Sisters follows a four-stage engagement rooted in scalable blockchain development: three weeks of listening, then design, then a build with independent audit and blockchain QA, then a locally-owned rollout.

1

Listen

We spend time with the community and the organisation to understand what people actually need. Three weeks.

2

Design

We design the simplest tool that solves it, wallet-less and in plain language, then the on-chain model underneath.

3

Build and audit

We handle smart contract development and deployment with independent audit readiness checks before anyone's money is involved. Transaction safety is verified at every layer.

4

Roll out and train

We launch alongside local teams and agents, and train them to run it long after we step back.

Why us

A tool built for the last mile vs a generic crypto app

Choosing Blockchain Sisters as your blockchain technology partner means choosing wallet-less onboarding, sponsored gas and a tool that mirrors what communities already trust, backed by secure blockchain development practices from day one.

Factor Built with Blockchain Sisters A generic crypto app
Onboarding Phone number or PIN, wallet made in the background Install a wallet, write down a seed phrase, give up
Fees Gas sponsored, people never pay or see a fee Users pay gas they cannot afford or understand
Offline and agents Designed for patchy networks and human agent support Assumes a smartphone and constant connectivity
Trust Mirrors the savings customs communities already use Asks people to trust something entirely foreign
Transparency Donors and members see funds end to end, live A black box nobody outside can verify
Security Smart contract security by design: independently audited, fuzzed and formally verified Template code with a template attack surface
Cost AUD 16,000 to 420,000 by scope, nonprofit rates available Cheap to start, costly when it loses people

Best fit for our tools: NGOs, cooperatives and inclusion teams serving real communities. Best fit for a generic app: users who are already comfortable with crypto.

Honest scope

When blockchain is not the answer

Blockchain Sisters declines roughly 24 percent of enquiries; the clearest cases are programmes where a simple mobile app or a shared spreadsheet would serve people better than anything on-chain.

  • Programmes where a simple mobile app or even SMS would help people more
  • Situations with no transparency or multi-party trust problem to solve
  • Token launches without legal counsel on securities classification
  • Projects chasing a grant trend rather than a real community need
  • Anywhere the on-chain part would add cost and confusion but no benefit to people
We decline roughly 24 percent of enquiries. If a plain app would serve people better, we will say so and help you find it.

We hold ourselves to evidence. According to the World Bank Global Findex, around 1.4 billion adults remain unbanked, and a recurring reason inclusion technology fails is not the chain but the last mile, the agents, the offline access and the trust, which is exactly where we put our effort.

Proof in production

Featured case studies

Two flagship programmes demonstrate what a blockchain development company can deliver when the design starts with people. End-to-end blockchain development in service of real communities: 180,000 women in the Pacific and AUD 64 million of aid tracked in East Africa.

Financial inclusion, the Pacific

Pacific Savings Circles

180,000 women onboarded to their first wallet. AUD 22 million saved transparently in on-chain pools. Repayment rate near 100 percent.

A digital savings circle that mirrors the trust of the traditional one, with gas sponsored so members never needed crypto.

Humanitarian aid, East Africa

Open Aid Ledger

AUD 64 million of aid tracked end to end. Donor reporting cut from weeks to a live dashboard. Leakage and double-spend eliminated.

Every dollar is traceable from donor to recipient, so funders can see exactly where their giving went.

Pricing

Clear pricing, with room for the mission

Fixed-fee discovery to start, audit included at every stage, and reduced rates for nonprofits.

Discovery and design
AUD 16,000fixed, 3 weeks

We scope an inclusion or transparency project with you, on real community needs.

Start here
Build
AUD 55k–160ka working tool

A wallet, savings or aid-tracking system, designed, built, audited and launched.

Get a quote
Programme
AUD 180k–420kmulti-community

A multi-community platform with field rollout, agent support and local training.

Talk to us
Care and capacity
from AUD 5,200per month

We run and support the system and keep training the local team to own it.

Keep it running

Working for a registered charity? Reduced nonprofit and grant-funded rates are available. The mission comes first.

What shapes your investment

What determines the price of a blockchain development project

Every Blockchain Development Company engagement is scoped on a small set of cost drivers. Understanding them before you ask for a quote saves time on both sides.

Scope and feature depth

A single-community savings circle is significantly simpler than a multi-country platform with agent-network tooling, offline access and a live donor dashboard. Scope is the largest single driver of price.

Chain selection and multi-chain deployment

Deploying to one chain is cheaper than deploying to three. Each additional chain adds a separate testing and audit cycle, a deployment runbook and an on-chain monitoring setup. We recommend starting with the single best fit.

Audit depth and smart contract testing

Our baseline includes Slither, Mythril and Foundry fuzzing in CI. Programmes where people's savings are at stake also require Halmos formal verification and a third-party independent audit, which adds time and cost but is non-negotiable.

Wallet-less onboarding complexity

A programme serving people without smartphones requires more engineering than a standard dApp: agent-network tooling, offline-resilient architecture, USSD fallback and a gas-sponsorship paymaster contract. The more accessible the target population, the more complex the onboarding layer.

Compliance and regulatory requirements

Programmes receiving donor funds subject to FATF Travel Rule, EU aid conditions or multi-jurisdiction AML/KYC requirements need a compliance layer built into the contract and the wallet flow. This adds cost but avoids programme shutdown risk later.

Timeline and team dedication

A compressed timeline requires a larger dedicated team and comes at a premium. A realistic 6 to 12 week build schedule is more cost-efficient than an accelerated 4-week push for the same scope. Discovery first always reduces rework costs.

Nonprofits and grant-funded organisations are eligible for reduced rates. We are a Certified B Corporation and the mission is the point. Ask about nonprofit pricing

Chain selection guide

Which chain fits your inclusion programme

Chain selection for a Blockchain Development Company serving communities without banks comes down to fee predictability, mobile tooling and stablecoin availability. This table summarises the chains we deploy on.

Chain Best for Tx finality Sponsored-gas cost Compliance fit
Celo Savings circles, community wallets, mobile-first programmes with large user bases ~5 seconds Very low (cUSD stablecoin native) FATF-aware ecosystem; Mento stablecoin has AUSTRAC precedent
Stellar Remittances, cross-border aid disbursements, multi-currency cooperative finance ~5 seconds Very low (micro-fee model) Anchor compliance framework; MoneyGram and major remittance players on-chain
Hedera Aid tracking dashboards requiring high throughput and predictable per-transaction pricing 3 to 5 seconds Low, fixed in USD Enterprise governance council; well-regarded by institutional donors
Base (OP Stack) Programmes wanting account abstraction (ERC-4337) with a large developer ecosystem ~2 seconds Low (L2 rollup economics) EVM-standard; Coinbase-backed exchange listing for offramp
Lisk Programmes targeting emerging markets where the Lisk DAO ecosystem provides local support ~2 seconds Low (OP Stack) OP Stack standard; developing emerging-market grant programme
Polygon PoS Programmes needing broad wallet support and a large existing user community ~2 seconds Low, stable FATF-aware; many VASP integrations; stable ecosystem
Optimism DAO-governed cooperative ownership and governance token programmes ~2 seconds Low (L2 rollup economics) OP Stack standard; RetroPGF funding available for public-good apps
Ethereum Settlement layer for programmes where immutability and audit trail above all other criteria ~12 seconds Higher (L1 fees); recommend L2 for end-user interactions Highest audit tooling maturity; largest independent security firm coverage

Fees shown are generalised at programme scale with gas sponsorship. We model actual per-user fee projections during the discovery phase.

By the numbers

Blockchain Sisters at a glance

According to the World Bank Global Findex, around 1.4 billion adults are still unbanked. The GSMA State of the Industry Report on Mobile Money finds that mobile money now reaches more than 1.75 billion registered accounts, and agent networks remain the critical last-mile layer in underserved markets. We exist to change that one community at a time. Our footprint so far:

740,000First wallets created
AUD 95MAid tracked on-chain
120Communities served
14Countries reached
38Partner NGOs
4Years operating
0Critical findings
54Verified reviews

Figures sourced from Blockchain Sisters internal programme analytics and partner data as of June 2026. Editorial policy.

The team

About the founder

Vincent Draper founded Blockchain Sisters in 2022 after years of field work in financial-inclusion programmes. A blockchain development expert with hands-on experience building tools he had seen fail at the last mile, he put community need before protocol from day one.

Vincent Draper

Founder

  • BA Development Studies, Australian National University (2010)
  • MSc Development Finance
  • Former program lead at a financial-inclusion NGO
  • Built a mobile savings tool deployed across the Pacific before founding the company

View founder profile

I came to blockchain from development work, not the other way around. For years I watched good inclusion programmes fail not because the technology was missing but because it was built for the wrong people in the wrong way. Our team of 33 has put 740,000 people in charge of their first wallet, every contract independently audited with nothing lost, and we are a Certified B Corporation because the mission is the point.

Blockchain Sisters began in 2022 after a savings programme I helped run lost months of records in a flood, and the women in it had no way to prove what they had saved. A shared, tamper-proof ledger would have protected them. We built one that they could use without ever hearing the word crypto, and "start with the person, not the protocol" has been the first line of every project since.

Read the foundational paper: "Wallets for the Last Mile: Designing On-Chain Tools People Without Banks Will Actually Use" by Vincent Draper. Blockchain Sisters Research Note BSS-2026-03, 30 pages.

Ask the team a question
Who builds your project

The team behind every engagement

Blockchain Sisters has 33 engineers and programme staff. Every build draws on a cross-functional team assembled from these roles. You work with named people throughout.

Inclusion Architect

Translates community needs into a blockchain application architecture. Responsible for chain selection, wallet model and the design of the onboarding flow. Participates in the 3-week listening phase with the client team.

Smart Contract Engineer

Writes, documents and unit-tests the contracts that hold community funds and track aid. All contracts are authored in Solidity or Soroban Rust, with NatSpec documentation and full Foundry test coverage before any review.

Security and Audit Lead

Runs the four-layer security pipeline (Slither, Mythril, Foundry fuzzing, Halmos), writes the threat model, manages the relationship with the external audit firm and certifies audit readiness before any programme launches.

Compliance and Regulatory Specialist

Reviews each engagement for AML/KYC, FATF Travel Rule and jurisdiction-specific requirements. Designs the compliance layer for wallets receiving donor funds or operating in regulated corridors.

Integration and Infrastructure Engineer

Connects the on-chain layer to off-chain systems: The Graph subgraphs for donor dashboards, IPFS for document anchoring, gas-sponsorship paymasters, agent-network tooling and USSD fallback layers for low-connectivity environments.

Programme QA Specialist

Designs integration and end-to-end test suites, runs pre-launch simulation across realistic network conditions and agent scenarios, and verifies that smart contract deployment matches the audited artefact on-chain.

Programme Manager

Single point of contact for timeline, budget and community communication. Coordinates field rollout, trains local agent networks and manages the handover plan so the programme runs without Blockchain Sisters after launch.

What you receive

Concrete outputs from every engagement

Every Blockchain Sisters programme engagement ends with a complete, documented, client-owned system. Nothing stays on our servers.

Audited and source-verified contracts

All production contracts are independently audited, source-verified on the target chain and accompanied by the third-party audit report with the finding log.

Full Foundry test suite and coverage report

The complete test harness, fuzz corpus and coverage report for every contract, ready to run on your own CI from day one. No test suite is shipped without at least 90 percent branch coverage.

Deployment runbook and threat model

A step-by-step deployment runbook covering key management, on-chain verification and rollback procedures, plus the threat model written during the security review phase.

API and SDK documentation

Full API reference for the wallet and contract layer, plus any agent-network SDK, so your local technical team or a future developer can maintain and extend the system without us.

Agent and field-staff training

In-person or remote training sessions for the local agent network and field staff, with training materials translated where needed. The goal is a community-owned programme that runs without us.

Knowledge-transfer handover pack

Architecture decision records, a programme admin manual, a monitoring and alerting guide, and a defined exit and handover plan so client and community retain full ownership and control after launch.

How we de-risk your engagement

Guarantees and protections on every project

Blockchain Sisters designs its engagement model to protect communities and clients at every stage.

Free scoping conversation

We start with a no-cost scoping call to understand your programme and tell you honestly whether blockchain is the right tool. If it is not, we will say so and suggest a simpler path.

Fixed-price discovery

The 3-week discovery and design phase is AUD 16,000 fixed, regardless of how complex the scope turns out to be. You know exactly what you spend to get a full blueprint and build estimate before committing to the build.

Client owns all IP and source code

Every contract, every repository, every test, every deployment key is transferred to you at handover. We hold no IP over any client system. The community programme continues even if Blockchain Sisters ceases to operate.

Audit-pass commitment

We do not deploy a contract that has not passed internal audit readiness and an independent third-party audit. If a finding requires rework, we rework it at our cost. Zero critical findings in production since 2022 is the result of this commitment.

No vendor lock-in

Our output uses open standards (ERC standards, Stellar open protocols), open-source tooling (Foundry, Hardhat, The Graph) and open infrastructure. You can move to any competent team at any time with no migration cost beyond onboarding.

Defined exit and handover

Every Statement of Work includes a defined handover plan with acceptance criteria. The programme is not done until the local team can run it independently. Our sustain retainer exists if you want ongoing help; it is optional, not mandatory.

Your first two weeks

  1. Week 1, days 1 to 3: scoping call, programme brief review, community context workshop with your field team
  2. Week 1, days 4 to 5: initial technical feasibility assessment and chain recommendation memo delivered
  3. Week 2, days 1 to 3: discovery deep-dive with key stakeholders; wallet model and data flow drafted
  4. Week 2, days 4 to 5: first draft of scope, timeline and pricing delivered; revisions open
Start the scoping conversation
Blockchain Sisters Research

Wallets for the last mile

Blockchain Sisters Research Note BSS-2026-03 analyses 26 financial-inclusion deployments to identify why most fail at the agent network layer rather than at the wallet or the contract. Smart contract testing and contract test coverage data from all 61 production deployments inform the reference design.

Research Note BSS-2026-03 30 pages, April 2026 Vincent Draper and the Blockchain Sisters team

Abstract

This note examines why financial-inclusion technology reaches people or fails to. We study 26 deployments between 2022 and 2025, separating each into a wallet and contract layer and a last-mile layer of agent networks, offline access and trust. Across the dataset, 70 percent of inclusion projects that failed did so at the last-mile layer rather than at the wallet or the contract, even when the on-chain design was sound. We present a reference design for wallet-less, agent-supported onboarding and quantify its effect across two production programmes.

Key findings

  • 70% of failed inclusion projects failed at the agent network and offline access, not at the wallet
  • Phone-number sign-in with sponsored gas was the single biggest lift in completion
  • Designs that mirrored existing savings customs were trusted and adopted far faster
  • Zero funds lost across all 61 production contracts in the studied period

Available on request to qualified parties and partners. Request the full PDF

Emerging capabilities

Where AI meets blockchain for financial inclusion

The convergence of machine learning and on-chain infrastructure is opening new possibilities for the communities we serve. As a Blockchain Development Company operating at the inclusion frontier, Blockchain Sisters tracks and selectively implements the capabilities that give real benefit to real people.

On-chain credit scoring without a credit bureau

Communities without formal credit histories have no way to access group loans. By training lightweight ML models on anonymised on-chain repayment patterns from our savings-circle programmes, we can generate a privacy-preserving credit score for each circle member. The model runs off-chain and writes a verifiable score attestation on-chain, so lenders trust it without seeing raw transaction data. First pilot with a Pacific cooperative group is under design for late 2026.

Fraud detection for agent networks

Agent fraud is the principal source of leakage in humanitarian programmes: agents over-recording disbursements, duplicate withdrawals and falsified beneficiary records. We are integrating a real-time anomaly-detection layer that flags transactions deviating from an agent's normal behavioural baseline, writing a tamper-proof alert to the programme ledger for review. Our Open Aid Ledger programme is the test case.

AI-powered donor impact reporting

Our transparent aid tracking programmes already give donors a live on-chain feed of disbursements. The next step is a natural-language report generation layer that converts the raw ledger data into a readable impact narrative per donor, per campaign and per community, removing the weeks of manual data-pull that still accompany many NGO donor reports.

Autonomous on-chain agents for programme operations

For savings circles, the timing of the payout rotation and the calculation of the next recipient are fully deterministic. We are prototyping autonomous smart-contract agents that handle routine programme operations, including payout triggers, grace-period extensions based on community-voted rules and arrears flagging, without any human operator involvement. This reduces the operational burden on local staff and removes a class of manual-error risk.

These capabilities are at different stages of readiness. Our production security standard applies to all AI-adjacent features: no capability goes live without formal verification of the on-chain component and a privacy-preserving design review. We do not ship models that require personal data on-chain.

Ecosystem

Protocols and tools we integrate with

Blockchain Sisters connects each programme to the relevant layer of the open web3 ecosystem. Every integration listed here is a protocol we have deployed against in production or used in client pilot work.

Indexers and analytics

  • The Graph · subgraph-based indexing for donor dashboards and programme analytics
  • Blockscout · open-source block explorer for self-hosted programme transparency portals

Oracles and data

  • Chainlink · price feeds for stablecoin-denominated savings pools and cross-chain messaging via CCIP
  • RedStone · pull-model oracle for programmes with low-frequency on-chain price updates

Wallets and identity

  • Privy · social and phone-number sign-in for wallet-less onboarding
  • Celo MiniPay · mobile-embedded wallet for Celo programmes reaching users via existing telecom apps
  • Safe (Gnosis Safe) · multisig contract wallets for programme treasury management

Storage and off-chain data

  • IPFS · decentralised storage for aid documentation and signed beneficiary records
  • Pinata · managed IPFS pinning for production programme document anchoring

Payments and offramp

  • Stellar Anchor Network · local-currency on and offramp for Stellar-based remittance programmes
  • Kotani Pay · mobile-money offramp for East Africa (M-Pesa, Airtel Money) in the Open Aid Ledger programme

Security tooling

  • Slither · static analysis in CI on every pull request
  • Mythril · symbolic execution for integer overflow and reentrancy detection
  • Halmos · formal verification for safety-critical contract paths
Verified partner reviews

Reviews

Fifty-four verified reviews on Clutch and G2 confirm that Blockchain Sisters programmes reach communities and keep their savings safe.

Mereani Vakatale

Program Director at Pacific Savings Circles

★★★★★

Blockchain Sisters put a wallet in the hands of 180,000 women, most of whom had never had a bank account, and not one of them had to learn anything about crypto. Repayment is near 100 percent and the savings are safe now. They listened to our communities first.

180,000 women onboarded, repayment near 100%

James Whitlock

Director at Open Aid Ledger

★★★★★

We can now show donors exactly where AUD 64 million of aid went, live, instead of in a report weeks later. Leakage is gone. It rebuilt trust with our funders overnight.

AUD 64M tracked, reporting weeks to live

Aroha Ngata

Lead at Tangaroa Community Trust

★★★★★

Our members hold real ownership tokens now and they can see their stake in the trust. Engagement went up because people finally feel it is theirs.

Cooperative ownership, members engaged

Sunita Rao

Head of Programs at Sahaayata Microfinance

★★★★★

Group loans on-chain gave our borrowers a credit history they can carry, and defaults came down because repayment is transparent to the whole group. Quiet, capable people who care.

Group loans on-chain, defaults down

David Okello

CTO at Boda Collective

★★★★★

They built a savings wallet for our drivers and onboarded 60,000 of them in months, with no fees and no friction. It just works on the phones people already carry.

Driver savings wallet, 60,000 onboarded
Trusted and recognised

Audited, certified, recognised

Blockchain Sisters holds ISO/IEC 27001:2022, SOC 2 Type II and Certified B Corporation status. Our blockchain security engineering practices have kept zero critical findings across 61 production contracts. Ranked among Clutch's top blockchain developers in Australia.

  • Certified B Corporation B Corp ID BSS-BCORP-2026, meeting verified standards of social and environmental performance Read more ↗
  • ISO/IEC 27001:2022 Certificate BSS-IS-2026-0612, issued by SAI Global, valid through 2029-06-14 Verify ↗
  • SOC 2 Type II Report BSS-SOC-2026-H1, Security and Availability TSC Verify ↗
  • Clutch Top Blockchain Developers 2026 Ranked #3 in Australia, 4.9 / 5 from 26 verified reviews View on Clutch ↗
  • Australian FinTech Award 2025 Financial Inclusion, plus G2 High Performer Winter 2026 (Blockchain for Good) View on G2 ↗
  • Principles for Digital Development Signatory, plus GoodFirms Top Blockchain Companies Australia 2025 Read more ↗
Security and compliance

Security practices and regulatory alignment

For organisations managing community savings or humanitarian aid, security is not a feature. It is the product. Blockchain Sisters treats secure blockchain development as the baseline, not an add-on.

Regulatory frameworks

Financial-inclusion programmes span multiple legal regimes. Our blockchain software development is designed with compliance in mind across all relevant frameworks.

  • Anti-money laundering (AML) and KYC Australia's AML/CTF Act and AUSTRAC registration requirements inform our onboarding design. Wallet creation flow supports tiered KYC by threshold so communities can comply without burdening low-value users.
  • FATF Travel Rule Our cross-border remittance rails include sender and recipient information fields meeting FATF Travel Rule requirements for transfers above the threshold, with a privacy-preserving design for sub-threshold community payments.
  • Australian Privacy Act 1988 and the Australian Privacy Principles Data architecture minimises on-chain personal data. Identifying information stays off-chain; only cryptographic references are stored on the ledger.
  • Principles for Digital Development Blockchain Sisters is a signatory. Every programme is evaluated against the nine principles, including "design with the user", "reuse and improve" and "address privacy and security".
  • GDPR alignment for EU-funded programmes For NGOs receiving EU aid, we implement GDPR-aligned data handling, including data minimisation, pseudonymisation and standard contractual clauses for cross-border transfers.

Security track record

These figures come from internal programme analytics and represent the full production history of Blockchain Sisters since 2022.

0 Critical findings across 61 production contracts
AUD 0 Funds lost across all deployments
100% Production contracts independently audited before deployment
4 layers Security pipeline: Slither, Mythril, Foundry fuzzing, Halmos formal verification

Standards held

  • ISO/IEC 27001:2022 Certificate BSS-IS-2026-0612, issued by SAI Global, valid through 2029-06-14. Scope: information security management for blockchain software development and managed programmes.
  • SOC 2 Type II Report BSS-SOC-2026-H1, Security and Availability Trust Services Criteria. Annual audit by an independent CPA.
  • Certified B Corporation B Corp ID BSS-BCORP-2026. Third-party verification of social and environmental performance, governance and accountability.
Last reviewed on 2026-06-14 by Vincent Draper, Founder at Blockchain Sisters. Content reflects Blockchain Sisters delivery data as of the review date. Blockchain Sisters builds blockchain software. We do not provide investment advice, securities classification, or money transmitter services.
Glossary of plain terms
Financial inclusion
Making safe, useful financial tools available to people the banking system has left out, often because they have no bank, no ID or no branch nearby.
Wallet-less onboarding
Letting someone start with a phone number or a PIN while a wallet is created for them quietly in the background, so they never install an app or buy a token.
Sponsored gas
The organisation pays the small network fee for each action, so the person using the tool never sees a charge or needs any cryptocurrency.
Savings circle
A traditional group savings arrangement (also called a ROSCA) where members pool money and take turns receiving the pot. We make a transparent, on-chain version.
Agent network
The local people who help others sign up, deposit cash and withdraw it. Inclusion technology lives or dies on how well it supports them.
Transparent aid
Tracking donations and aid from donor to recipient on a shared ledger, so funders can see where money went and leakage is designed out.
Cooperative ownership
Giving members of a cooperative a recorded, verifiable stake in it, using tokens that represent membership and a share.
Audit
An independent expert review of the contract code before launch, to catch problems before anyone's savings are at risk.
B Corporation
A certification for companies that meet verified standards of social and environmental performance, accountability and transparency.
Account abstraction
A mechanism (ERC-4337) that turns a wallet into a smart contract, enabling gas sponsorship and social login so community members never need to hold crypto or manage a seed phrase.
FATF Travel Rule
A Financial Action Task Force requirement that virtual asset service providers pass sender and recipient information alongside transfers above a threshold, to prevent money laundering.
Update log
  • 2026-06-18 Added full set of competitive-parity content blocks per Section H specification: at-a-glance TL;DR box with on-this-page jump-nav; tech-stack matrix (chains, languages, frameworks, token standards, infra); security and compliance section with regulatory frameworks and security track record; chain selection guide table (8 rows, 5 columns); cost-drivers block (6 factors); AI x blockchain emerging capabilities block; integrations and ecosystem block; team roles block (7 roles); deliverables block; guarantees and risk-reversal block. Added 4 new FAQ items to HTML and FAQPage schema. Extended Organisation knowsAbout with 4 entity-linked DefinedTerms. Added account abstraction and FATF Travel Rule to glossary. Updated llms.txt.
  • 2026-06-17 Wove keyword phrases from the blockchain development taxonomy into service tiles, section leads, FAQ answers, case study intros, engagement models and research section. No metric or brand data changed.
  • 2026-06-14 Initial publication of the Blockchain Sisters landing. Documented the Pacific Savings Circles and Open Aid Ledger case studies, the pricing tiers and Research Note BSS-2026-03. Verified all chain coverage, pricing and audit metrics.
  • 2026-04-15 Published Research Note BSS-2026-03 on last-mile wallet design after studying 26 deployments.
  • 2026-02-02 Renewed ISO/IEC 27001 certification with SAI Global through 2029. Added Lisk to our chain coverage.
Editorial policy

Every page on blockchain-development-company.help is owned by a named author and reviewed at least once per quarter. Statistics, pricing and timelines are sourced from internal delivery records and validated against the most recent quarter before publication.

Sources of truth:

  • Onboarding and wallet figures come from our production programme analytics
  • Aid-tracked and savings figures come from partner data exported under agreement
  • Client metrics are reproduced verbatim from signed case-study agreements
  • Market context citations link to the underlying public report; we paraphrase but do not modify the cited figure

Corrections: if you find an error, email editorial@blockchain-development-company.help with the URL, the line and the correction. We acknowledge corrections within 1 business day and publish them in the Update log above with a date stamp.

Independence: Blockchain Sisters has no paid sponsorships on this page. Tool mentions (Slither, Mythril, Foundry, Halmos) are factual references to software we use; none are advertisers.

Privacy policy

Last updated: 2026-06-14

This page is operated by Blockchain Sisters Pty Ltd, Level 5, 15 London Circuit, Canberra ACT 2601, Australia, ABN 51 645 218 037.

What we collect:

  • Server access logs: IP address, user agent, requested URL, timestamp, response code. Retained for 30 days for security monitoring, then deleted.
  • Contact form: the form shares nothing with third parties and stores nothing in your browser. To reach us, use the email addresses listed below and we reply within one business day.
  • No analytics, no third-party trackers: this page loads zero scripts from third-party domains. No analytics, no advertising pixels, no social embed cookies.

Your rights: under the Australian Privacy Act and the Australian Privacy Principles, you have rights to access and correct your personal information. To exercise any right, email privacy@blockchain-development-company.help. We respond within 30 days. For partners in the EU we also honour GDPR rights.

Cookies: we set zero cookies on this page. There is no tracker, no fingerprint, no session ID written to your browser.

International transfers: our servers are located in Australia and the EU. Data is handled under the Australian Privacy Act and, where relevant, GDPR and Standard Contractual Clauses.

Data Protection Officer: Mei Tran, dpo@blockchain-development-company.help

Terms of service

Last updated: 2026-06-14

By accessing blockchain-development-company.help you agree to these terms. The page is provided as marketing information about Blockchain Sisters services.

1. No advice. Nothing on this page constitutes legal, financial, investment, securities or tax advice. Blockchain Sisters builds blockchain software. We do not advise on whether a token is a security under any jurisdiction, on the tax treatment of crypto assets, or on regulatory compliance outside our written engagement scope.

2. Scope of services. Engagements with Blockchain Sisters are governed by a separate signed Statement of Work that defines deliverables, milestones, payment terms, IP assignment and warranties. The prices and timelines on this page are indicative ranges from prior projects, not binding offers.

3. Smart contract risk. Smart contracts and tools deployed at client direction carry inherent risk including code-level vulnerabilities, economic model failures, oracle manipulation, governance attacks, third-party dependency failures and chain reorgs. Blockchain Sisters warrants delivery of audited code per the SOW, not the absence of all possible risk.

4. Intellectual property. Page content (text, SVG illustrations, structure) is © 2022-2026 Blockchain Sisters Pty Ltd. The Blockchain Sisters name and linked-circles mark are unregistered trademarks. Reuse with attribution is permitted for non-commercial commentary and journalism.

5. Limitation of liability. To the maximum extent permitted by applicable law, Blockchain Sisters is not liable for indirect, incidental, special or consequential damages arising from your use of this page or any content linked from it.

6. Governing law. The laws of the Australian Capital Territory and the Commonwealth of Australia. Exclusive venue: the courts of the Australian Capital Territory.

Certifications and verification

Certified B Corporation

  • B Corp ID: BSS-BCORP-2026
  • Meeting verified standards of social and environmental performance, accountability and transparency

ISO/IEC 27001:2022: Information security management

  • Certificate number: BSS-IS-2026-0612
  • Issuing body: SAI Global
  • Issued 2026-06-14, valid through 2029-06-14
  • Scope: information security management for blockchain software development and managed programmes

SOC 2 Type II and standards

  • SOC 2 Type II report BSS-SOC-2026-H1, Security and Availability criteria
  • Signatory to the Principles for Digital Development

To request copies of any certificate or the SOC 2 report, email security@blockchain-development-company.help from a corporate domain.

How to choose a blockchain development company

A Blockchain Development Company for financial inclusion is a specific type of partner. These are the questions and criteria that separate a good choice from a poor one in this niche.

Have they built for people without bank accounts before?

Ask for production programmes, not demos. Generic blockchain firms build for crypto-native users. A firm serving unbanked communities has solved wallet-less onboarding, gas sponsorship and agent-network tooling in production, which are fundamentally different engineering challenges. Blockchain Sisters has 740,000 first wallets across 14 countries to point to.

What is their security record?

Ask for the number of production contracts shipped, the number of critical findings in production and the value of funds that have been lost to a contract they wrote. A serious Blockchain Development Company should be able to answer all three without hesitation. Our answer: 61 contracts, zero critical findings, AUD 0 lost.

Who owns the IP and source code after handover?

You should. Not the agency. Contracts that keep the code proprietary or tie you to their infrastructure after launch create ongoing cost and vendor dependence that can eventually kill a community programme. Blockchain Sisters assigns all IP to the client at handover as a contractual guarantee.

Will they tell you when blockchain is not the answer?

A trustworthy partner is willing to decline an engagement. Blockchain Sisters declines roughly 24 percent of enquiries when a simpler solution would serve the community better. If a firm never says no, it is a signal they are optimising for billing rather than outcomes.

Can they handle compliance for your funder requirements?

Programmes receiving EU aid, USAID funding or major foundation grants often carry specific data, AML/KYC or FATF Travel Rule requirements. Verify that the firm has a compliance specialist, not just developers, and that they have delivered programmes under those constraints before.

What does the engagement end with?

The answer should include audited contracts, a full test suite, deployment documentation, agent-network training and a defined handover plan with acceptance criteria. Vague deliverables lead to programmes that stall the moment the agency steps back. Our deliverables section above lists exactly what we hand over.

Frequently asked questions

What does a blockchain development company do?

A blockchain development company delivers blockchain software development end to end: designing, building and auditing the smart contracts, wallets and blockchain infrastructure that run applications on-chain. Blockchain Sisters focuses on financial-inclusion tools: community wallets, savings circles, transparent aid tracking and cooperative ownership systems, built across Celo, Stellar, Hedera and five more chains.

How much does it cost to hire a blockchain development company?

Cost depends on scope. Discovery and design is AUD 16,000 fixed for 3 weeks. A full build is AUD 55,000 to 160,000. A multi-community programme is AUD 180,000 to 420,000. Ongoing care and capacity support starts from AUD 5,200 per month. Reduced nonprofit and grant-funded rates are available for registered charities.

How do I choose a blockchain development company?

Look for a company that starts with your community and their real needs, not with the technology. Check that every contract meets smart contract audit readiness standards before launch and that the team can point to production programmes with real users. A reliable blockchain development partner is willing to say no when blockchain is not the right answer. Blockchain Sisters declines 24 percent of enquiries and has zero critical findings across 61 production contracts.

Who do you build for?

Organisations serving people the banking system left behind. Women's savings cooperatives, microfinance groups, NGOs running aid programmes, community trusts and FinTech teams working on financial inclusion. Our blockchain platform development work spans 14 countries in the Pacific, Africa and Southeast Asia, with 740,000 people onboarded to their first wallet.

Do the people using these tools need to understand crypto?

No, and that is the whole point. We design wallet-less by default. People sign in with a phone number or a simple PIN, a wallet is created for them in the background, and gas is sponsored so they never buy a token or pay a fee. Pacific Savings Circles onboarded 180,000 women this way, most of whom had never held a bank account.

What chains do you build on?

Celo, Stellar, Hedera, Lisk, Base, Polygon PoS, Optimism and Ethereum. We choose low-fee, mobile-friendly chains so sponsored gas stays affordable at the scale community programmes need.

Are your contracts audited?

Yes. Our smart contract testing pipeline runs Slither, Mythril, Foundry fuzzing and Halmos in CI, plus manual review. Every production contract is independently audited before smart contract deployment. There are zero critical findings in production and no funds have been lost to a Blockchain Sisters contract.

How is your pricing structured, and do you support nonprofits?

Discovery and design is AUD 16,000 fixed over 3 weeks. A build is AUD 55,000 to 160,000. A multi-community programme is AUD 180,000 to 420,000. Care and capacity support is from AUD 5,200 per month. We offer reduced nonprofit and grant-funded rates for registered charities, because the mission comes first.

When do you say no?

We decline roughly 24 percent of enquiries. We say no when a simple mobile app or a shared spreadsheet would help people more than anything on-chain, when there is no real inclusion or transparency benefit and when a token launch lacks legal counsel on securities classification.

What should I ask before hiring a blockchain development company for an inclusion programme?

Ask for the number of production contracts shipped and their critical-finding and loss record. Ask who owns the IP after handover. Ask whether the firm has handled AML and KYC requirements for donor-funded programmes. Ask for references from NGOs or cooperatives specifically, not just enterprise clients. Ask what happens if you want to move to a different provider after launch. These questions separate firms built for the inclusion niche from general crypto agencies. A blockchain development company with a real track record in financial inclusion will answer all five without hesitation.

What determines the cost of a blockchain development project for financial inclusion?

The principal cost drivers are: programme scope (a single community versus a multi-country platform), the number of chains deployed to (each chain is a separate audit cycle), wallet-less onboarding complexity (USSD fallback and offline agent tooling add significant engineering), compliance requirements (FATF Travel Rule and donor-specific KYC) and audit depth. Discovery and design is AUD 16,000 fixed over 3 weeks so you get a precise scope and cost estimate before committing to the build.

How does AI fit into blockchain development for financial inclusion?

The most relevant applications for inclusion programmes are privacy-preserving on-chain credit scoring from repayment history, anomaly detection for agent-network fraud, and automated impact-report generation from the on-chain ledger. These are additive: they require a well-designed blockchain foundation first. Blockchain Sisters applies its production security standard to all AI-adjacent components, which means no model that requires personal data on-chain and no capability deployed without formal verification of the on-chain component.

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