Questions, answered plainly

No. Settle is a testnet prototype. In the public demo, funding a bill is a preview: no payment is made, nothing is signed, and no funds move. In a build connected to the testnet settlement API, a supporter can sign a real testnet payment, which has no monetary value. Stellar mainnet is not enabled.

Nowhere. When you choose a photo or PDF, the app shows a preview on your device. The file is not uploaded. The app has no code path that sends a picked file to a server. Reloading the page clears what you entered.

Testnet is Stellar's public test network. Its tokens are free and have no monetary value, and it exists so developers can try payments without risk to real funds. Settle defaults to testnet and labels itself that way.

The design pays the bill's provider directly, not a personal wallet. The destination is meant to come from a verified provider directory on the server, never from the app or from an uploaded document. Today nobody is paid, because no real payment is made.

It is a product simulation. The review screen plays a scripted scan and shows sample fields. No AI model reads your bill. A real review would need private backend processing and redaction that do not exist yet.

Not to look around. On desktop web, the app can detect the Freighter browser extension. In the public demo it does not ask Freighter to sign anything; in a build connected to the testnet settlement API it asks Freighter to sign a testnet payment. On iOS and Android, wallet signing is not available.

No. Every bill, name, location, balance and activity entry in the app is sample data written for the prototype. Nothing on the Discover, Impact or Profile screens reflects a real person or a real payment.

No. A Kind Gesture is an optional, non-transactional acknowledgement such as a private thank-you. A requester can decline any of them, and funding never depends on the answer.

The app models essential bills in categories such as electricity, water, heating, housing, medical, education, internet, transport and childcare. Hard limits are not decided yet. The Guidelines page lists what is set and what is undecided.

No. The prototype holds no funds and moves none, and it is not a money-transmission service. If it ever handled real value, that would need legal and compliance review for each place it operates, which has not happened. This is not legal advice.

Read CONTRIBUTING.md and the Code of Conduct, then open an issue or a focused pull request on GitHub. Code lives in the settle repository, and the settlement service lives in settle-api. Never include real bills, keys or personal data.

Do not open a public issue. Follow SECURITY.md in the repository for the private reporting route, and leave real keys and personal documents out of the report.