Borrow against what you're already owed.
TitleChain is a Stellar-based protocol that lets businesses tokenize their unpaid invoices and real-world assets as collateral to access instant USDC liquidity. Investors and DAOs fund these assets and earn yield automatically via Soroban smart contracts — no banks, no delays.
Businesses across emerging markets complete real work — deliver goods, finish contracts, supply services — then wait 60–90 days to get paid. That waiting kills cashflow. Banks offer loans, but the process is slow, expensive, and most businesses don't qualify.
TitleChain lets a business upload a verified unpaid invoice onto Stellar, tokenize it as a Soroban-based asset, and instantly borrow against it in USDC. When the client eventually pays the invoice, the smart contract automatically routes repayment to the investor — with interest. No middleman. No paperwork. No weeks of waiting.
Business uploads invoice → Platform verifies it → Asset is tokenized on Stellar
↓
Investor / DAO funds it in USDC → Business receives liquidity within 48hrs
↓
Client pays invoice → Smart contract auto-repays investor + yield
Businesses — SMEs, suppliers, contractors, and logistics companies waiting on large unpaid invoices.
DAOs & Investors — Treasuries sitting on idle USDC looking for real, predictable yield backed by actual business activity — not speculation.
- Business asset dashboard — upload and manage invoices, purchase orders, title deeds
- Liquidity pool marketplace — investors browse tokenized assets with risk grades and LTV ratios
- Repayment tracker — live repayment schedules for borrowers and yield tracking for lenders
- DAO governance panel — vote on risk parameters and accepted asset categories
- Asset verification engine — validates uploaded invoices against business registries and document APIs
- Risk scoring model — grades each asset (A/B/C) based on counterparty creditworthiness and asset type
- Oracle service — feeds real-world FX and commodity data into Soroban contracts
- Repayment router — detects incoming payments and automatically splits between principal, interest, and protocol fee
| Contract | Purpose |
|---|---|
RWAMint |
Tokenizes a verified real-world asset into a Soroban token |
CollateralEscrow |
Locks asset token and releases USDC to borrower at agreed LTV |
LendingPool |
Manages DAO/investor deposits and distributes yield proportionally |
Liquidation |
Handles default recovery by auctioning the RWA token |
DAOGovernance |
Token-weighted voting on protocol parameters |
- Frontend: Next.js, TypeScript, Tailwind CSS, Stellar Wallets Kit
- Backend: Node.js, Express, PostgreSQL, Prisma
- Smart Contracts: Soroban SDK (Rust)
- Payments: Stellar USDC, Trustless Work escrow
- Integrations: Stellar Horizon API, GitHub (via GrantFox)
| Need | Stellar Solution |
|---|---|
| Fast settlement | Transactions confirm in 3–5 seconds |
| Low cost | Fees cost fractions of a cent |
| Stable currency | Native USDC — no volatility risk |
| Trustless logic | Soroban smart contracts handle the full lending lifecycle |
| Cross-border | A supplier in Lagos and a DAO in Berlin on the same rail |
🚧 Early stage — ideation and architecture phase.
We are currently scoping the core Soroban contracts and planning the MVP. Contributors are being onboarded via GrantFox.
We are actively looking for contributors in:
- Soroban / Rust — smart contract development
- Node.js / PostgreSQL — backend and verification engine
- Next.js / TypeScript — frontend dashboard
Check our open issues on GrantFox to get started and earn USDC rewards for merged contributions.
MIT