Decaf
Last changed 2026-10-10 · Score recalculated — Rescored under Scoring v2, the published formula (avoid.net/scoring): 52 → 77. Problems weighed by who is responsible: problems around the subject, caused by others −3.9; legitimacy credit long-running +6; fact-check adjustments (−22) now shown as page reliability, not in the score. Version history →
Why this score
| Every page starts at | 65 |
| Problems around it, caused by others | -3.9 |
| Long-running | +6 |
| Sum | 67 |
Score: 77/100 (kept between 0 and 100)
How scoring works →Summary
Decaf (decaf.so) is a non-custodial stablecoin wallet and payments platform built on Solana and Stellar, founded in 2022 and headquartered in Miami, FL, targeting emerging-market users who need low-cost cross-border payments and fiat cash-out. The company has raised a seed round from recognizable crypto-native and fintech investors including Visa, and has established formal partnerships with Circle, MoneyGram, and the Stellar Development Foundation. No regulatory actions, hacks, or fraud allegations have been identified as of the investigation date.
Connected Entities
3 entities · 60 linked investigations- Decaf→mentioned with→Solana(65%)
- Decaf→mentioned with→Stellar(70%)
Connected Through
2 shared actors · 370 investigationsDistinct actors this investigation shares with others — holders, traders, and named parties. Shared infrastructure (exchanges, pools) is excluded.
- □Solanaorganization
- □Stellarorganization
Timeline(7 events)
2022
Decaf founded by Rick Martin and Fernanda Orduña Rangel (along with two other co-founders) in Miami, FL, initially as a crypto payments solution for everyday purchases in Latin America.
Stellar Development Foundation Blog9 November 2022
Decaf completes seed funding round of approximately $5.94 million led by MH Ventures, with participation from Behind Genius Ventures, Big Brain Holdings, Hard Yaka, Restive Ventures, and 2Shares.
Tracxn Company Profile5 April 2023
Decaf announces integration with MoneyGram and the Stellar Development Foundation's crypto-to-cash service, enabling USDC cash-in and cash-out at approximately 350,000 MoneyGram retail locations.
NewsFile Corp Press Release19 September 2023
Visa makes a strategic investment in Decaf, with total round proceeds reported at approximately $3.39 million. Decaf was a participant in the Visa Everywhere Initiative Women's Special Edition.
Tracxn / Bounce Watch Company Profile2024
Decaf reports 400% month-over-month growth in USDC volume and reaches seven-figure monthly USDC transaction volumes. Expands user base to Africa alongside its existing Latin America presence.
Rick Martin LinkedIn / Stellar Case Study2025
International AIDS Society (IAS) partners with Decaf and the Stellar Disbursement Platform to distribute daily living allowances to 248 scholarship recipients from over 50 countries at the IAS 2025 conference in Kigali, Rwanda.
Decaf Blog14 April 2025
Decaf announces a rebuilt wallet architecture with WhatsApp-based payment link creation, Visa card integration, tokenized investment access, and a dual product offering (consumer wallet + organizational disbursement platform).
Decaf on X / MediumDecision Log
- slot 455371429 · hash 8bT2SVwoR4vcpL1Szh7Zj8dLb1RdAAJ4qJUhZehRyQsi
- slot 425192395 · hash EhJTQxZvgVy2FPoePULaayCCAVUnaASqZ3tMDYFTHEJB
- slot 425192392 · hash 3s7cdHDd4tn4nZXxQyfgapCWk8G27SsCDpzDkuJLeuuk
- slot 423652992 · hash HVb7jxamQwmaar2WPBZckUSVjepqMt2GiViWNMMH4TUJ
- slot 423652986 · hash HPjJZtZ9iG9DZXKhiVLC55V9T9aYdKpjqVaW2BzU9Xpk
- slot 423508008 · hash HXfyobRD2WX8MsNRkB38JCaUqM7gNoKiZG9RLxqFs6BJ
This investigation is cryptographically anchored to the Solana blockchain (6 decisions). 17 of 23 cited source URLs have an Internet Archive snapshot.
model: claude-sonnet-4-6
generated: 6/1/2026, 3:12:36 AM
last updated: 10/10/2026, 6:51:09 PM
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