By means of introduce crypto wallets for citizens, the country is modernizing payments, public benefits and daily transfers. Few governments have attempted this on a national scale.
The focus is on ENRA, the Marshall Islands’ Universal Basic Income program that is delivered completely on-chain. It is the first nationwide UBI program built on blockchain rails that accepts stablecoins. ENRA sends quarterly support to eligible Marshallese citizens, including thousands living on remote atolls where banks are rare or non-existent.
When cash and banks fail
The Marshall Islands uses the US dollar, but physical dollars are difficult to move. The country covers approximately two million square kilometers of ocean, with communities spread across more than a thousand islands. For many citizens, “going to the bank” can mean flights, boats, weather delays and long wait times.
Cash shipments typically arrive by boat or monitored aircraft only a few times a year. Banks respond with withdrawal limits and ATMs can run dry. If the money arrives too late, families struggle to buy food, fuel, school supplies or medicine. Over time, this has led some communities toward informal debt and solutions that create friction and risk. To implement a nationwide UBI program under these circumstances, the government needed something that was faster, more reliable, and more useful to both unbanked and unbanked citizens.
HISTORICAL NEWS 🇲🇭
We help symbolize a nation.
The Marshall Islands is launching blockchain-based UBI, giving citizens dollar-denominated tokens that they can receive, store and send peer-to-peer from their phones.
Powered by Crossmint Wallets pic.twitter.com/lvAWjTI6SW
— Crossmint (@crossmint) December 16, 2025
The solution is Lomalo, a mobile app built on Crossmint wallet technology. Lomalo allows citizens to receive, store and use US dollar-denominated digital tokens directly on their phones. There is no bank account required and no seed phrases or crypto complexity. Through Lomalo, citizens can receive ENRA payments, send money peer-to-peer to other Marshallese, and manage money even on low bandwidth or satellite connections. Account Recovery is designed for casual users, not crypto experts.
USDM1 and Lomalo enable instant digital payments in Marshall Islands
Below ENRA is USDM1, a USD-denominated digital government bond issued by the Marshall Islands and backed one-for-one by short-term US government bonds. USDM1 runs on the Stellar network, which is known for its fast, cheap transfers. According to Stellar dataTransactions are typically completed in seconds and cost a fraction of a cent, making nationwide digital payouts practical.
The world’s first chain payout of a universal basic income, built on Stellar.
This is what real adoption and impact look like.https://t.co/GlisGzmqmG
— Stellar (@StellarOrg) December 16, 2025
This approach fits into a broader trend. Governments and institutions are increasingly testing tokenized money and assets. The Boston Advisory Group estimates of tokenized assets could reach trillions of dollars by the end of the decade. This is because the public and private sectors are looking for more efficient rail lines. None of this feels abstract to citizens. USDM1 simply appears in Lomalo as a digital dollar bill.
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