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Case Study • Government • Financial Inclusion

How AccelOne Built a Blockchain Digital Wallet for Argentina's Government in 5 Months

A private blockchain platform that replaces paper certificates with U.S. dollar-pegged digital tokens.

Blockchain Platform Development Mobile Wallet Back-Office Console Blockchain Architecture
client: Activa Sep 2026
Partnership: 5-Month Engagement
Billetera Activa platform
5 Months
From concept to launch
100%
Eligible students onboarded
84%
Token redemption rate
25%
Students chose to save
At a Glance
~0
Manual tagging remaining
Near-complete elimination.
~0
Manual tagging remaining
Near-complete elimination.
~0
Manual tagging remaining
Near-complete elimination.
Overview
Activa

When San Luis Government needed to protect the value of its graduation incentive program from Argentina's inflation, it saw an opportunity to do more than replace paper certificates. AccelOne built Billetera Activa, a private blockchain platform that turned the award into a USD-pegged digital token, giving students a secure way to receive, save, and redeem their benefits.

Built and launched in just five months, the platform combines a Flutter mobile wallet, a Hyperledger Fabric blockchain, and a ReactJS back office with government-grade security and auditability. The result is a digital foundation that not only protects the value of student awards, but also introduces financial tools and saving behaviors to a new generation of users.

With 100% of eligible students creating accounts and 25% choosing to save their tokens rather than redeem them immediately, Billetera Activa demonstrates how emerging technology can modernize public programs while creating a foundation for broader financial inclusion.

The Challenge

Challenge

Since 2010, the Argentine province of San Luis has run a graduation incentive program that rewards high school graduates with certificates redeemable for cash, a program credited with lifting the province's graduation rate 20% above the national average. But paper certificates carried a flaw: Argentina's persistent inflation eroded their purchasing power, whether a student redeemed immediately or held onto the award.

Provincial leaders wanted to preserve the program's real value and use it to introduce students to digital financial tools they would carry into adulthood. That meant replacing a paper-based process with a secure, government-grade digital platform, built to a fixed five-month deadline, with student adoption, financial literacy, and compliance all riding on the result.

the challenge

Search and tagging had become a serious bottleneck

With millions of videos, search and tagging had become a serious bottleneck.

challenge 01

Manual tagging didn't scale

Description here.

challenge 01

Manual tagging didn't scale

Description here.

challenge 01

Manual tagging didn't scale

Description here.

challenge 01

Manual tagging didn't scale

Description here.

The Challenge

The Hard Problems

01

Problem title

Problem description.

02

Problem title

Problem description.

03

Problem title

Problem description.

the solution

A hybrid AI video intelligence pipeline built for scale

Description here.

The Impact

Key Impact: Cost Reduction by Three Orders of Magnitude

One of the most significant achievements of this engagement was the reduction of AI processing costs by three orders of magnitude.

By combining on-premises transcription models with selective use of commercial APIs, AccelOne designed a hybrid architecture that:

This approach made the system not only scalable and secure but also economically viable at a massive scale, unlocking growth for Kurator without cost bottlenecks.

01

Card Title

Card description.

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Card Title

Card description.

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Card Title

Card description.

The result was not just faster delivery, but stronger alignment around how

Monetate builds and evolves its platform.

Core 01

Blockchain Layer: A private Hyperledger Fabric network providing a tamper-resistant, fully auditable ledger for every transaction

Blockchain
Core 02

Mobile Wallet: A Flutter application for iOS and Android where students receive, save, and redeem their tokens

Application
Core 03

Back Office & APIs: A ReactJS console backed by Node.js APIs, giving government staff real-time control over token issuance and account management

APIs

Deployed on AWS with containerized CI/CD pipelines, the architecture gives San Luis a platform that's auditable by design, and built to extend well beyond this one program.

Billetera Activa mobile wallet screens

Solution

AccelOne designed and built Billetera Activa, a private blockchain platform that replaces paper certificates with U.S. dollar-pegged digital tokens. The new system was built to:

Preserve Award Value: Peg each token to the U.S. dollar so its value holds regardless of peso devaluation

SOLUTION 01

Token

Drive Digital Adoption: Give students a mobile wallet built for a digital-native generation

SOLUTION 02

Digital Adoption

Build Financial Literacy: Make saving as easy as redeeming, so students develop lasting financial habits

SOLUTION 03

Financial Literacy

Meet Government-Grade Security Standards: Protect student data and funds with multi-factor authentication, biometric validation, and KYC verification

SOLUTION 04

Security

The platform runs on a private blockchain architecture designed for auditability and scale:

Under the hood

Open-source intelligence, cloud applied selectively

The pipeline combines open-source models with selective cloud services, running primarily on on-prem GPU infrastructure to deliver production-grade accuracy while avoiding cost, lock-in, and unpredictability.

Tech name

Description

Open Source

Tech name

Description

Open Source

Tech name

Description

Open Source

Tech name

Description

Open Source

This hybrid approach delivers production-grade accuracy while avoiding the cost, lock-in, and unpredictability of cloud-only architectures — making large-scale video intelligence economically sustainable at 2.5M+ video scale.

Project recap
AI-powered video intelligence at massive scale
the outcome

A searchable, time-addressable catalogue spanning millions of hours

What was previously locked behind sparse tagging and manual review is now discoverable at scale — while balancing cost efficiency with production-grade reliability.

before

Hours per batch of manual tagging

Hours per batch of manual tagging

Hours per batch of manual tagging

Hours per batch of manual tagging

after

Minutes of spot-check per batch

Minutes of spot-check per batch

Minutes of spot-check per batch

Minutes of spot-check per batch

The catalogue is now discoverable by:

Title

Description

Title

Description

Title

Description

Title

Description

Highlights

Engineering Highlights

Parallel Delivery to Meet a Five-Month Deadline

Meeting a five-month deadline for a government-facing blockchain platform meant running the blockchain, mobile, and back-office work in parallel rather than in sequence. AccelOne structured the engagement around agile streams of analysis, design, development, and quality assurance, syncing regularly to keep the platform integrated as it came together.

An Integrated Platform with Security Built In

The team stood up a private Hyperledger Fabric network with the logic for token issuance and redemption, built the Flutter wallet students use day to day, and built the ReactJS console government staff use to manage the program, with multi-factor authentication, biometric validation, and KYC verification built in from the start rather than added later.

Independent Cybersecurity Testing Before Launch

Before launch, an independent third party ran cybersecurity testing against the platform, a deliberate check given the sensitivity of the data and funds involved.
partners

Expanding the Partnership

As the early AI and UI initiatives gained traction, the collaboration expanded. AccelOne is now contributing not only to delivery, but to roadmap planning across AI, machine learning, and user experience initiatives.

Austin describes the ongoing dialogue as productive and forward-looking:

"As we work through these initial projects, having the teams weigh in on what the roadmap should look like next has been very productive. We've gained a great set of partners and feedback voices inside of AccelOne."

The partnership now operates at two levels:

  1. Accelerating current initiatives
  2. Accelerating current initiatives

For a platform operating at this level of complexity, that alignment matters.

output

A Model Built on Leverage and Trust

Monetate's goal was simple: Accelerate AI and UI initiatives without slowing the organization down.

What ultimately emerged was a partnership that increased leverage across the entire business.

Senior engineers were embedded quickly. Roadmaps moved faster. AI became part of daily workflows. Collaboration tightened across teams and time zones.

The engagement reduced friction and increased output.

And the relationship continues to expand, with AccelOne contributing to long-term direction beyond the initial delivery.

At this level of complexity, sustainable acceleration is not about adding more people. It's about embedding partners who raise the standard of how the work gets done.

The Outcome

Results & Impact

01
Took Billetera Activa from concept to launch in 5 months.
02
Reached 100% account creation among eligible students.
03
Achieved an 84% token redemption rate in the program's first cycle.
04
Saw 25% of students choose to save their tokens instead of redeeming immediately, an early signal of new financial habits.
05
Passed independent third-party cybersecurity testing before launch.
06
Delivered a scalable architecture built to extend to other government social programs.
Impact

Business Impact

What had been a paper-based incentive program vulnerable to inflation is now a digital wallet that protects the award's value and puts real financial tools directly in students' hands. That shift changes how San Luis's graduates experience one of the province's signature programs.

Every eligible student created an account, and a quarter of them chose to hold their tokens rather than spend them right away, an early sign the platform is building financial habits, not just replacing paperwork. For the province, it's also a program administrators can run and audit digitally, without relying on paper trails.

Strategic Value

Strategic Value

Billetera Activa gives San Luis more than a modernized graduation award, it gives the province a blockchain foundation it can extend to other social programs. The platform's auditable ledger and configurable access controls mean government officials can issue and manage tokens for other eligible populations without rebuilding the underlying system.

This engagement reflects the kind of fast, security-conscious delivery that lets a government agency bring emerging technology into a public program on a tight deadline, without compromising on the compliance and auditability standards public-sector work demands.

Frequently asked questions

What is Billetera Activa?
Billetera Activa is a private blockchain platform built by AccelOne for the Government of San Luis, Argentina. It allows students to store and redeem digital tokens backed by the U.S. dollar, replacing paper graduation award certificates. The platform protects award value against Argentina's high inflation and promotes financial literacy among digital-native students.
How did AccelOne solve Argentina's inflation problem for student graduation awards?
AccelOne replaced paper graduation certificates, which lost value rapidly due to Argentina's inflation, with USD-backed digital tokens stored in a mobile wallet app. Because the tokens are pegged to the U.S. dollar, their value is preserved regardless of peso devaluation, whether students redeem immediately or save for later.
What technology stack was used to build Billetera Activa?
Billetera Activa was built with Hyperledger Fabric for the private blockchain, Flutter for the iOS and Android wallet, Node.js for the APIs and integrations, and ReactJS for the back-office web app, running on AWS with CI/CD pipelines and Docker containers. Security features include multi-factor authentication (MFA), biometric validation, and KYC digital identity verification.
How long did it take AccelOne to build and launch Billetera Activa?
AccelOne built and launched an operational version of Billetera Activa in five months, in time for December graduation ceremonies. The team used an agile methodology with parallel analysis, design, development, and QA to meet the hard deadline. An independent third party also conducted cybersecurity testing before launch.
What were the results of the Billetera Activa blockchain platform?
100% of eligible students created accounts, and 84% redeemed their tokens. Nearly 25% chose to save their tokens rather than redeem immediately, showing the financial literacy outcomes the program was designed to promote. The platform met all client objectives for accessibility, stability, security, fraud detection, and regulatory compliance.
Can blockchain technology be used for government financial inclusion programs?
Yes. The San Luis, Argentina case demonstrates a replicable model. AccelOne's Billetera Activa uses a private blockchain to issue and manage government-backed digital tokens, with fully auditable transactions, restricted access controls, MFA and biometric validation, and KYC compliance. That combination meets the security and regulatory requirements of government financial programs, while remaining scalable to new user groups and programs.
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