Kredex

Secure and easy P2P lending and borrowing - built on trust, powered by Stellar & Soroban.

Live App · Docs · Demo Video · Contracts · Discussions · X

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Table of contents

• About
• Features
• Screenshots
• Quick start
• Tech stack
• Project structure
• How it works
• Smart contracts
• Testing
• Contributing
• Community
• Roadmap
• License

About

Traditional credit excludes billions of underbanked people because it demands collateral and a centralized credit score. Kredex uses on-chain reputation instead. Borrowers start small, repay on time, and unlock larger loans at lower interest. Lenders are protected by escrow contracts, dynamic risk models and automated default handling.

Real-world example: a small business owner needs $500 for inventory but has no collateral. They complete KYC, borrow $50 first, and repay on time. Their on-chain reputation rises, which unlocks the $500 loan at a lower rate. A lender on the other side of the world funds it directly and earns yield with full transparency.

⚠️ Status: Kredex is live on Stellar Testnet and has not been audited. Do not use real funds.

This repository is the web application. The smart contracts live in kredex-org/contracts and the documentation in kredex-org/docs.

Features

Feature	Description
On-chain reputation	Borrowers earn score for on-time repayments, tracked on Soroban
Soulbound NFT badges	High-reputation users receive non-transferable badges
P2P loan marketplace	Lenders browse and fund individual loan requests through escrow
Automated liquidity pools	Passive, diversified lending with utilization-based rates
Batch disbursement	Admins can fund many approved loans at once
Passwordless auth	Freighter wallet signatures or biometric passkeys
SEP-12 style KYC	Identity verification flow with admin review
Role dashboards	Borrower, lender and admin experiences, with analytics

Screenshots

More screenshots

Quick start

New to open source? You can have this running in about 10 minutes. See the full walk-through in docs/DEVELOPMENT.md.

Prerequisites

Tool	Version	Notes
Node.js	20+	Includes npm
Freighter	latest	Browser wallet, set to Testnet
Neon	free tier	Serverless Postgres
Upstash	free tier	Redis cache

You do not need Rust or the Stellar CLI unless you work on contracts. The app talks to the contracts already deployed on Testnet.

Run locally

# 1. Clone
git clone https://github.com/kredex-org/product.git
cd product

# 2. Install
npm install

# 3. Configure environment
cp .env.example .env.local
# Edit .env.local: DATABASE_URL, DIRECT_URL, UPSTASH_*, JWT_SECRET, contract IDs...

# 4. Set up the database
npx prisma generate
npx prisma db push

# 5. Start
npm run dev

Open http://localhost:3000.

Command	Purpose
npm run dev	Dev server
npm run build	Production build
npm run lint	ESLint
npx tsc --noEmit	Type-check
npx prisma studio	Browse the database

Testnet contract IDs for your .env.local are in the contracts reference and the table below.

Get a funded Testnet wallet: install Freighter → switch to Testnet → fund it with Friendbot (free).

Tech stack

Layer	Technology
Frontend	Next.js 16 (App Router, Server Actions), React 19, TypeScript, Tailwind CSS 4
Data	Neon (serverless Postgres) + Prisma ORM
Cache	Upstash Redis
Blockchain	@stellar/stellar-sdk, Freighter, Smart Account Kit (passkeys)
Contracts	Soroban (Rust), see contracts repo
Hosting	Vercel

Project structure

product/
├─ app/                    # Next.js App Router
│  ├─ api/                 # API routes (KYC, loans, notifications, cron)
│  ├─ actions/             # Server actions
│  ├─ auth/                # Sign-in / sign-up
│  ├─ dashboard/           # Role-based dashboards (admin, borrower, lender)
│  └─ p2p/, faq/           # Marketplace and info pages
├─ components/
│  ├─ dashboard/           # Dashboard widgets (metrics, forms, tables)
│  ├─ landing/             # Landing page sections
│  └─ ui/                  # Shared UI primitives
├─ lib/
│  ├─ stellar/             # soroban.ts (build → simulate → sign → submit → poll), batch-disburse.ts
│  ├─ contracts/           # Typed clients for the Soroban contracts (+ generated bindings)
│  ├─ auth/                # JWT session management
│  ├─ kyc/ ipfs/ redis/    # KYC, storage, caching
│  └─ prisma.ts            # Prisma client
├─ prisma/schema.prisma    # Database schema
├─ sql/                    # SQL setup scripts
├─ scripts/                # Maintenance and seed scripts
├─ docs/                   # Internal design & process docs
├─ public/ assets/         # Static assets and screenshots
└─ types/                  # Shared TypeScript types

How it works

sequenceDiagram
  participant B as Borrower
  participant K as Kredex App
  participant L as Lender
  participant S as Soroban Contracts

  B->>K: Complete KYC & apply for loan
  K->>S: Read reputation score and max loan
  K->>L: List loan on marketplace
  L->>S: Fund loan via escrow
  S->>B: Disburse XLM
  B->>S: Repay with interest
  S->>L: Release principal + interest
  S->>S: Update reputation score

Loading

Every on-chain write follows the same 7-step flow in lib/stellar/soroban.ts: fetch account → build → simulate → assemble → sign (Freighter) → submit → poll until success.

More detail: docs/ARCHITECTURE.md.

Smart contracts

Deployed on Stellar Testnet. Source and function reference: kredex-org/contracts.

Contract	Testnet ID	Explorer
Reputation	CDPALR5OWSO2HFSTB262IPUJNGRDVJOE5AGODXPVSSRPWVRAYK5Q6BOV	Verify
Escrow	CBNF4KK4JHQ5UUUC4W65WHA3WOB2FWCIRG3L2R3M5TEKKE6ZPSMUEAP5	Verify
Lending	CAJ5VLQZ2ZKOCVQKFX7LFYF36LNLCDT6QJT4STAZFQ5P23TZZ4UBEGXQ	Verify
Default Mgmt	CDXUYZL5IJNGN742IZTC7H4IBKNEGTSMZACO76LXTVJSDVXXF2NSBOED	Verify
Liquidity Pool	CBUNFNEDSL3R2QTHLJVG4LOTRPYWTY557WZJIBGAMCGP2YDAHNOUKBCA	Verify
Oracle Adapter	CBDXC63B7PO2DPZWZ2UGRTRCHNO2YIS5QP6SKRWJIJAPZQG5B3X4F2A3	Verify

Testing

1. Set Freighter to Testnet and fund your wallet via Friendbot.
2. Sign up at /auth, complete KYC, then use the borrower and lender dashboards end to end.
3. Use npx prisma studio to inspect database state.
4. Before a PR, run npx tsc --noEmit, npm run lint and npm run build.

Detailed guides: docs/TESTING_GUIDE.md · docs/TESTING_MVP.md.

Contributing

Contributors of every level are welcome, from first-timers to experienced engineers.

Level	Ideas
🌱 Beginner	Fix UI copy and typos, improve accessibility, add a copy button, polish empty states
🔧 Intermediate	Add tests, improve loading and error states, build dashboard features
🏗️ Advanced	Harden auth and KYC, optimize RPC usage and caching, mainnet-readiness work

1. Read CONTRIBUTING.md.
2. Pick a good first issue.
3. Say hi in Discussions if you get stuck. We're friendly.

User-requested improvements are tracked in docs/USER_FEEDBACK.md. Many are great starting points.

Community

• 💬 GitHub Discussions
• 🐦 @kredexweb3 on X
• 📝 Feedback form
• 🔐 Security policy: report vulnerabilities privately
• 📜 Code of Conduct

Roadmap

Planned for mainnet: fiat on/off ramps, USDC support, institutional liquidity pools, and an independent security audit. See the full roadmap.

License

MIT © Kredex Org