Forward-commitment settlement infrastructure for agricultural commodity trade, on Stellar.
A cooperative and a commodity buyer agree price and quantity before harvest. The buyer's deposit sits in a neutral Soroban escrow. It releases against an independent warehouse operator's grading receipt — not against either party's word. A capped, tranched advance reaches the cooperative before harvest as structured input access. Each member farmer's share of the contract is recorded on chain at lock-in, so what's owed to whom is verifiable by the farmers themselves, not asserted by a cooperative lead.
Settlement runs on Stellar because the primitives already exist there: Stellar Disbursement Platform for farmer-level split payouts a bank can't do economically, native claimable balances for conditional advance tranches, Reflector for FX reference, and licensed anchors for fiat cash-out — none of it built from scratch.
The forward-commitment platform described above. Warehouse-anchored, Naira-denominated, stablecoin-settled, no marketplace in v1 — it serves counterparties who already trade with each other and lack an instrument, not strangers who need matching.
- Full PRD — version-controlled in the repo, currently v0.7, including a full audit trail of every prior version's mistakes
- Roadmap — the execution plan below is the summary; that file is the one to actually work from
Repos:
| Repo | Contents |
|---|---|
harvestlock |
Public site, API, both product frontends, docs, roadmap |
HarvestLock-Contracts |
Soroban escrow contract — its own audit trail and release cadence |
| Phase | Focus | Status |
|---|---|---|
| 0 — Validation | Real buyer conversations, warehouse operator outreach, escrow contract on testnet, counsel engaged | 🟡 In progress |
| 1 — Testnet | Full escrow, allocation ledger, SDP integration, mapped to SCF's MVP/testnet/mainnet funding tranches | ⚪ Not started |
| 2 — Mainnet pilot | One crop, one region, one warehouse partner, closed cohort | ⚪ Not started |
| 3 — Prove the loop | Second cooperative and operator, multi-crop | ⚪ Not started |
| 4 — Build on proven trust | Tokenized receipts, collateralized lending, parametric insurance | ⚪ Not started |
Full detail, weekly breakdown, and exit criteria per phase are in
ROADMAP.md.
HarvestLock is the first product. Agrisettle is the settlement layer it sits on — the same escrow, allocation, and attestation primitives extend to the Phase 3–4 work (receipt-backed lending, parametric insurance) as separate products sharing this infrastructure, rather than being bolted onto one app's scope.
Rust (Soroban contracts) · TypeScript (API, both frontends) · PostgreSQL · Stellar Disbursement Platform (deployed, not forked) · Reflector (SEP-40) · licensed Stellar anchors for on/off-ramp. Full reasoning for every choice is in the PRD, §17.
Palette, mark, and usage rules are in BRANDING.md.
Pre-validation, actively building. Not yet fundraising or onboarding pilot partners publicly — if you're a Nigerian commodity buyer with an existing outgrower programme, or a warehouse/receipt operator, open an issue on HarvestLock or reach out directly.