Picture this

Who it is for

Aling Rosa Dimaculangan has run a sari-sari store on a corner in Tondo, Manila, for nineteen years, and her utang notebook holds about 4,800 pesos that her regulars owe at any time. Twice last year a page was smudged in the rain and two families remembered a different number than she did. Sari Tab keeps the same tab she always kept, but each line is confirmed by the customer on their own phone, the tab stops at a limit Rosa sets, and when payday comes the customer settles it in USDT on Plasma or USDC on Stellar or Celo, with a receipt both of them can read.

Two ways to own it

What you get

Base$100

Yours in 4 to 6 days

Shopkeeper app for one store: customer list, tab lines with item notes, one tap customer confirmation by link or QR, per customer tab limits, settlement in USDT on Plasma or USDC on Stellar or Celo to the store's own wallet, receipts for both sides, a printable paper style ledger page, the trusted regular record, and an owner console with plans, rules and an agent log.

You choose: store name, colors and logo
You choose: language of the tab (English, Filipino, Spanish, Hindi)
You choose: default tab limit and reminder tone
You choose: which settlement chains to show

Customfrom $1,100

Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

Everything in Base
Custom features and design
Priority build

Why it is new

What exists today, and what this does differently

What is new

Digital khata and utang apps exist (Khatabook and OkCredit in India, Utang Tracker style apps in the Philippines), and stablecoin wallets exist. What is new is the two signature ledger: every line needs the customer's tap before it counts, the shopkeeper's limit is enforced by the app, settlement goes straight to the store in stablecoins on low fee chains, and the customer can carry a trusted regular record to another store without showing what they bought.

Closest things out there

Khatabook and OkCredit, digital credit ledgers used by millions of Indian shops, kept by the shopkeeper alone. Wallets such as Lobstr on Stellar, MiniPay on Celo and Plasma One for USDT payments. None combine a customer confirmed tab with stablecoin settlement.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

Store credit runs on trust between neighbors, and Sari Tab protects that trust instead of replacing it: no interest, no collections, and a record of being a good regular that the customer owns.

The Regatta Board

Races Sari Tab can enter

10 live races fit this app. Each one says why, with its prize and countdown. The rule on existing code is on the race page.

See every race on the board

What you own

The whole app, not a starter kit.

A complete store credit app you own: shopkeepers keep a tab their regulars confirm with one tap, limits hold by themselves, payday settles in stablecoins with no interest, and your console runs plans, rules, growth and the settlement agent.

Base price · $100

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Illustrated store home with today's tabs and first-run onboardingHome

A three step welcome, then the one next action: lines waiting for a customer's tap or a tab due on payday.

Customer list with limitsRegulars

Nickname, contact link, current tab, limit and months as a regular, with a limit stepper per customer.

Add a tab lineTab

Saved items such as rice, eggs and phone load, or free text and an amount, then a pending line waiting for the customer.

One tap customer confirmationTab

The customer's phone view: the line, the new total and a Confirm or Ask about this button, signed from their own account.

Limit guardTab

A line that would pass the limit is blocked with a kind message, so the shopkeeper never has to refuse in person.

Payday settlement in stablecoinsPayday

Pick USDT on Plasma, USDC on Stellar or USDC on Celo, see the peso total and the quoted rate, and pay from the customer's wallet to the store.

Receipts for both sidesPayday

One receipt with the lines settled, the rate, the chain and the transaction hash, shown to the store and the customer.

Paper style ledger pageLedger

The month's confirmed lines drawn like the old notebook, with both signatures and a sealed page hash.

Trusted regular recordLedger

Months as a regular and tabs settled on time, owned by the customer, never showing items or amounts.

Disputed line notesLedger

A customer can ask about a line instead of confirming, and both people see the same note until it is resolved.

Kill switch for remindersStore

Turn every reminder off at once, and delete a customer's history on request.

Open the full app demo

Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue dashboard and paywall editorRevenue

Rename tiers, change prices and pick what is gated, with a live preview of the store's plans sheet.

Incoming payments and payout methodsRevenue

Plan payments to the owner's wallet and toggles for the accepted payment methods.

App wide rulesRules

Highest limit allowed, reminder tone and frequency caps, and which settlement chains stores can switch on.

Settlement agent logAgent

Every match of a transfer to a tab, including the ones that failed and how they were fixed.

Roadmap with add-onsRoadmap

Neighborhood plans and local cash in partners, each with a scope and a price.

Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Store owner group growth loopGrowth

A one page guide and starter link that store owner groups and distributors can share with members.

The money path, built in

How it earns for you

A free plan for one small store, and monthly plans for unlimited regulars, all chains and the sealed monthly page. No fee is ever taken from a tab or a settlement.

TindahanFreeOne store, up to 30 regulars, two signature tab, limits, one settlement chain and receipts.

Suki$4 per monthUnlimited regulars, all three settlement chains, the sealed monthly page, reminders and export.

Barangay$15 per monthUp to five stores, a combined view and shared trusted regular records the customer chooses to show.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

Every confirmation screen shows the store's name and a small line that it keeps its tab on Sari Tab
Store owner groups and cooperatives share a starter link and a one page guide
Wholesale distributors offer it to the stores they already supply
Customers carry their trusted regular record to the next store they shop at

Roadmap · build the next phase with us

Where it goes next

v1 included

The two signature tab

Customers, tab lines and limits
One tap confirmation
Stablecoin settlement on Plasma, Stellar and Celo
Receipts, paper page and trusted regular record
Plans, paywall editor and agent log

Included

Neighborhood plans

Up to five stores in one view
Reminders in Filipino and Spanish
Shared trusted regular records by customer choice

Add-on from $450

Local cash in and cash out

Cash in through local partners and anchors
Settlement reports for the store's own books
Restock orders paid from tab settlements

Add-on from $800

The pitch, ready for investors and grant reviewers

Unlocked when your app is paid in full

Your 2 minute demo script

Unlocked when your app is paid in full

Make it entirely yours

Custom work starts from $1,100: a local wallet partner, a new settlement chain, a language, or a distributor dashboard, scoped on a call.

Custom from $1,100

BLUEPRINT

Why it matters and how it really works

The recipe (how it is built, the data, costs, risks, build order, the pitch and the demo script) is unlocked when your app is paid in full.

The need

Small neighborhood stores across the Philippines, Latin America, India and Africa run on credit: a regular takes rice, eggs and load today and pays on payday. The tab lives in a paper notebook that only the shopkeeper writes in. Pages smudge, numbers get disputed, and the customer has no record of their own. When customers do pay digitally, the fees and the waits eat into a margin of a few pesos per item.

What exists and what is new

Digital credit ledgers exist and are popular. Khatabook and OkCredit serve millions of Indian shops, and simple utang tracker apps exist in the Philippines. They are kept by the shopkeeper alone, and settlement is cash or a local wallet. Sari Tab is an incremental take with two new pieces: every tab line counts only after the customer confirms it on their own phone, and the tab settles in stablecoins on low fee chains (USDT on Plasma, USDC on Stellar or Celo) straight to the store. The customer gets a trusted regular record they own. Research verdict: the ledger exists; the two signature tab and stablecoin settlement are new, medium novelty.

The data it runs on

Unlocked when your app is paid in full

1.The mission

Store credit between neighbors should be fair to both people: one shared page, two signatures, no interest, and a record the good regular can carry.

2.Why people can't resist it

Two pens on one page A line only counts when both people agree. Disputes over a smudged notebook simply stop happening.

Payday in one tap The customer opens the tab, sees the total and pays it from their own wallet. The store sees the receipt the same second.

A regular you can vouch for After six months of tabs settled on time, the customer has a record they can show a new store, without showing what they bought.

3.How it works for real

Unlocked when your app is paid in full

4.Pricing

Cost per use: unlocked when your app is paid in full.

Tindahan Free

One store, up to 30 regulars, two signature tab, limits, settlement on one chain and receipts.

Suki $4 per month

Unlimited regulars, all three settlement chains, the monthly paper page with an onchain seal, reminders and export.

Barangay $15 per month

Up to five stores in one neighborhood or one family, a combined view and shared trusted regular records the customer chooses to show.

5.Growth loop

Every customer who confirms a line sees the store's name and a small line that says the store uses Sari Tab, so regulars carry it to the next store they visit. Store owner groups, cooperatives and wholesale distributors can hand it to their members with a one page guide.

6.Risks and guardrails

Unlocked when your app is paid in full

7.Build order

Unlocked when your app is paid in full

8.Where this is going

Now
One store, one shared page, two signatures and payday settlement in stablecoins.
Next
Neighborhood plans for families who run more than one store, reminders in Filipino and Spanish, and cash ins through local partners.
Later
Wholesalers that already supply the store can offer it fairer restocking terms based on its settled tabs, if the shopkeeper chooses to share them.
The world it builds
The corner store keeps its old trust, and the good regular finally has a record of being good.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

Nine routes from one vessel. Tap a port to open its chart.

Why own Sari Tab

Millions of corner stores run on credit kept in a notebook that only one person writes in. Owning Sari Tab means you run the fair version: one shared page that both people sign, limits that hold by themselves, payday settlement in stablecoins with no interest, and a record that the good regular can carry. You earn from store plans, never from a cut of anyone's tab.

What’s stopping you?

“Is this a lending business? I do not want a license problem.”

No. Sari Tab records ordinary store credit between a shop and its regulars, with no interest and no fees, and it never holds money. Your copy keeps those rules locked. If you ever want to change them, talk to a local lawyer first.

“My shopkeepers are not crypto people.”

They do not need to be. The shopkeeper sees pesos, names and a notebook page. The customer confirms with a tap. Stablecoins only show up on payday, and the store wallet can be set up with them in ten minutes.

“What if customers do not have a wallet?”

Confirmation works with a passkey account and a link, so any phone with a browser can sign a line. Cash payments can still be logged and confirmed by both people.

“Plasma, Stellar and Celo sound like a lot to run.”

Your copy ships with all three wired. Most stores pick one. Turn the others off in the console until a store asks for them.

A revenue ladder, step by step

Monthly store plans, neighborhood plans for families with several stores, and white label copies for store owner groups and distributors. Illustrations, not promises.

$160

$3,000

$2,400 plus stores

$95,000

First street

40 paying stores

$4 a month

One store owner group

600 paying stores

$4 to $15 a month

Distributor partners

8 distributors

$299 a month

Regional regular

20,000 paying stores

Mixed

Partner with one wholesale distributor that already visits hundreds of stores every week
Publish an anonymous monthly report on tabs settled on time, which is good news stores like to share
Translate the tab into the language each neighborhood actually speaks

Illustrative stages, not a forecast. Results depend on you and the market; nothing here is guaranteed.