Education • Agents • Reforestation
1. Overview
CeloHT is a financial-impact initiative built on the Celo blockchain, designed to expand access to digital payments using cUSD, CELO for transaction fees, and the Valora mobile wallet.
The project operates on three essential pillars: Education, Agent Operations, and Reforestation, aiming to provide fast, low-cost transactions while generating measurable social and environmental impact.
2. Mission
Empower underserved communities through financial education, accessible mobile payments, and verified environmental contribution.
3. Core Pillars
3.1 Education
Education provides structured training on:
Blockchain fundamentals
cUSD and CELO usage
Mobile wallet onboarding (Valora)
Transaction security
Digital financial literacy
Agent training
KPIs
Number of trained participants
Completion rate
Knowledge improvement results
Wallet adoption after training
3.2 Agent Operations (Cash-In / Cash-Out)
Agents enable:
Cash ↔ cUSD conversions
Sending and receiving digital money
Community liquidity support
Transaction verification
Basic KYC validation
Agent Requirements
Valid ID
Secure device + PIN protection
Stable internet
Transaction limit policy
Basic security training
KPIs
Active agents
Daily transactions
Liquidity availability
Successful transaction rate
3.3 Reforestation
Each reforestation activity includes:
Planting location
Number of trees
Tree species
Date
Verification photos
Monitoring report
KPIs
Total trees planted
Tree survival rate
Verified impact events
4. Operational Structure
4.1 User Transaction Flow
1. Install and verify Valora
2. Load balance through an agent (cash-in)
3. Make payments using cUSD
4. Pay network fees in CELO
5. Withdraw funds through an agent (cash-out)
4.2 Agent Workflow
1. Verify user identity
2. Record the cash-in or cash-out request
3. Confirm on-chain transaction
4. Adjust liquidity
5. Log activity in the CeloHT system
5. Security & Compliance Standards
5.1 Compliance
Anti-fraud guidelines
Transaction monitoring
Reporting procedures
Community safety standards
5.2 Security
Device password protection
Mandatory 2FA for admins
No shared accounts
Regular password rotation
Verification of transaction proofs
6. Documentation Standards
Version number
Date of update
Author or team
Revision history
Public/internal classification
Ensures transparency and professional governance.
7. Impact Measurement Framework
Education Impact
Trained individuals
Test results
Adoption rates
Financial Impact (Agents)
Total transaction volume
Liquidity provided
Operational reach
Environmental Impact
Trees planted
Verified survival rate
Geo-tagged events
Impact reports are released quarterly.
8. Roadmap 2026–2028
2026 — Expansion & Standardization
Q1 2026: Regional expansion, agent certification, reforestation tracking v2, Education v3
Q2 2026: Community Leadership Program, operational toolkit, monitoring upgrade
Q3 2026: New financial partners, expanded agent liquidity, NGO partnerships
Q4 2026: International compliance review, annual impact report, scaling reforestation sites
2027 — Automation & Ecosystem Growth
Q1 2027: Automated agent verification, self-serve onboarding, LMS beta
Q2 2027: Reforestation drone-mapping, liquidity automation, rural expansion
Q3 2027: Community reward system, AI fraud detection, Impact Dashboard v2
Q4 2027: Multi-year impact study, cross-border payments, regional ambassadors
2028 — Global Maturity & Long-Term Stability
Q1 2028: Global partnerships, environmental certification badge, expansion to new countries
Q2 2028: Agent network consolidation, decentralized governance, carbon-tracking
Q3 2028: Full automation of impact metrics, digital identity integration, ecosystem interoperability
Q4 2028: International evaluation, global sustainability report, long-term community ownership model
9. Strategic Advantages
Ultra-low transaction fees
Fast confirmation speed
Valora’s user-friendly interface
Community agent network
Triple-impact model (finance + education + environment)
Transparent reporting
Strong social
mission
10. Conclusion
CeloHT provides a complete, efficient, and mission-driven system grounded in education, agent accessibility, and environmental impact.
This Core Structure Document defines operational standards, measurable impact, and a structured roadmap for sustainable global expansion.
