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TitleChain

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.

The Problem

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.

The Solution

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.

How It Works

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

Who Is It For?

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.

Architecture

Frontend

  • 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

Backend

  • 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

Soroban Smart Contracts

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

Tech Stack

  • 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)

Why Stellar?

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

Status

🚧 Early stage — ideation and architecture phase.

We are currently scoping the core Soroban contracts and planning the MVP. Contributors are being onboarded via GrantFox.

Contributing

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.

License

MIT