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@Stellar-VaultLink

Stellar-VaultLink

Builders of InvoFi — on-chain invoice financing on Stellar Soroban. Tokenized invoices, USDC/XLM offers, POSI position tokens, escrowed disbursements.

Stellar-VaultLink

Open-source DeFi infrastructure on Stellar. Our flagship project is InvoFi — an on-chain invoice financing protocol built on Soroban, Stark Vault Link's answer to a working-capital market that still leaves small businesses waiting 30–90 days on unpaid invoices.

What InvoFi does

  • Businesses tokenize outstanding invoices on-chain and raise working capital against them.
  • Lenders browse verified invoices, offer financing in USDC or XLM, and earn interest — holding POSI position tokens that make their exposure transferable.
  • Trustless Work escrows gate disbursements: financed funds are released against delivery milestones, not blind trust.
  • Insurance + reputation: an on-chain insurance pool covers lenders on defaults, and repayment history feeds on-chain reputation scores.

The full lifecycle — register → offer → accept → escrow disbursement → repay or reclaim — happens on Stellar testnet today, with mainnet on the roadmap.

Repositories

Repo What lives there
invofi The application: Next.js frontend, wallet-first auth (SEP-10, no passwords), marketplace, portfolio, stats, Trustless Work escrow integration, @invofi/sdk
invofi-contracts The protocol: five Soroban contracts (registry, financing, repayment, insurance, reputation) plus a shared common library

How the protocol works

  1. Register — a business tokenizes an invoice in the registry contract.
  2. Finance — lenders submit offers; on acceptance funds move and POSI position tokens mint natively.
  3. Disburse — the financed amount flows through a Trustless Work escrow tied to delivery milestones.
  4. Repay or reclaim — the business repays principal + interest; on default, the insurance pool settles lenders' outstanding claims.
  5. Reputation — every repayment updates the participant's on-chain score.

Community

Contributing

Both repos accept external contributions. Issues are scoped and labeled by complexity (good first issue, trivial, medium, high) — pick one, request assignment, and open a PR against it. PRs from contributors must map to an assigned issue.

Security: private vulnerability reporting is enabled on both repos — see each repo's SECURITY.md for contact channels and response expectations.

License

Everything here is MIT licensed.

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  1. invofi invofi Public

    On-chain invoice financing on Stellar Soroban — register invoices, accept USDC/XLM offers, hold POSI position tokens, repay or claim insurance; wallet-first auth + Trustless Work escrow disbursements

    TypeScript 15 47

  2. invofi-contracts invofi-contracts Public

    InvoFi Soroban contracts — registry, financing, repayment, insurance, reputation: USDC/XLM invoice financing, native POSI position tokens, Trustless Work escrow-ready events, pause controls, proper…

    Rust 10 36

Repositories

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