Add UMOJA Polkadot Fast-Grant application

applications/UMOJA-Remittance-Adapter.md

@@ -0,0 +1,67 @@
+# UMOJA – Polkadot Remittance Settlement Adapter (Fast-Grant)
+
+## Applicant
+Crosby Ventures LLC  
+Contact: partnerships@umoja.global
+
+---
+
+## Project Overview
+UMOJA is a fintech remittance pilot focused on reducing the cost and friction of cross-border payments for African families and small merchants.
+
+This proposal requests a Polkadot Fast-Grant to build a **technical proof-of-concept (PoC)** demonstrating how remittance settlement can be executed using Polkadot infrastructure.
+
+The deliverable is strictly technical, open-source, and designed as a reference implementation.
+
+---
+
+## Problem Statement
+Despite Polkadot’s strong interoperability capabilities, there is a lack of simple, developer-friendly reference implementations for real-world payment and remittance settlement.
+
+Teams building payment infrastructure often lack:
+- Clear examples of settlement flows
+- Simple APIs for remittance tracking
+- Lightweight, reusable components
+
+---
+
+## Proposed Solution
+We propose an **open-source Polkadot Remittance Settlement Adapter** that:
+
+- Accepts remittance instructions (sender, receiver, amount)
+- Initiates settlement on a Polkadot-compatible parachain
+- Tracks transaction status and fees
+- Returns settlement confirmation
+
+---
+
+## Deliverables
+- Adapter module (TypeScript)
+- Polkadot.js integration example
+- Testnet deployment
+- Documentation & usage guide
+
+---
+
+## Timeline
+**Week 1:** Architecture & setup  
+**Week 2:** Settlement logic & tracking  
+**Week 3:** Testing, docs, and demo  
+
+---
+
+## Open Source
+All code will be released under a permissive open-source license.
+
+---
+
+## Funding Request
+Requested: **$8,000 – $10,000**  
+Acknowledgement: 50% DOT (vested), remainder in USDC.
+
+---
+
+## Ecosystem Impact
+- Adds real-world payments reference code to Polkadot
+- Supports fintech & remittance developers
+- Demonstrates non-speculative blockchain utility