Skip to content

roadmap.md

Latest commit

 

History

History
62 lines (53 loc) · 3.27 KB

roadmap.md

File metadata and controls

62 lines (53 loc) · 3.27 KB
Raw

TrustLend Roadmap

This page tracks where the project is and what comes next. It is a living document — priorities shift with community feedback, and every item is open for contribution. Comment on or open an issue if you want to pick something up.

Shipped

  • Soroban contracts for lending, borrower reputation, escrow, default management, pooled lending, multisig admin, governance, referral rewards and the TLEND token suite, deployed to Stellar testnet with npm run deploy:testnet.
  • Wallet-native authentication (Sign-In with Stellar / SEP-10) — no passwords, no third-party identity provider.
  • Borrower, lender and admin dashboards (Next.js 16) with a token-based design system, light/dark themes and motion.
  • KYC submission and admin review with private document storage.
  • On-chain trust score, tiers and credit limits (reputation v1) driving loan eligibility and pricing.
  • Escrow-assisted disbursement with a revocation window.
  • Automated default management with multisig-gated insurance payouts.
  • Liquidation keeper backed by a median-of-sources collateral price oracle.
  • SEP-24 fiat on/off ramp integration with Stellar anchors.
  • Referral programme paid on-chain on the first funded loan.
  • Neon Postgres + Drizzle ORM data layer with versioned migrations, nightly encrypted backups and a documented restore procedure.
  • CI: contract tests + WASM build, type check, lint, unit tests, production build, Playwright E2E, formal verification (proptest / Kani), coverage.
  • Server-side verification of every client-submitted payment (funding, pool deposits, repayments) against Horizon before it is credited; pool withdrawals paid out from the platform wallet by the server.
  • Full on-chain loan lifecycle: borrower-signed create_loan_request (mandatory, verified on Soroban RPC), lender-signed approve_loan, server-signed activate_loan / record_payment, pool state mirrored to the pooled-lending contract. See onchain-lifecycle.md.
  • One-command deployment of all 17 contracts with referral, loyalty, treasury, vault, auction, USDC pool and ZK verifier initialised and linked, native XLM whitelisted as collateral, and typed clients for each in lib/contracts/.

In progress

  • Dashboard screens for the standalone contracts — treasury (fee collection & distribution), auto-compound vault, liquidation auctions, the USDC pool and ZK credit verification have typed clients but no UI yet.
  • Escrow-backed direct funding. Marketplace loans are paid straight to the borrower (escrow id 0); routing them through the escrow contract's revocation window is the next step.

Planned

  • Multi-asset lending (USDC and other Stellar assets) end to end.
  • Governance UI: proposals, voting and parameter changes from the dashboard.
  • Decentralised credit oracles that aggregate off-chain signals (mobile money, utility payments) into the trust score.
  • Institutional lender tooling: pluggable underwriting models and bulk funding.
  • Mobile-first experience and WalletConnect improvements.
  • Mainnet launch after an external contract audit.

Contributing

See CONTRIBUTING.md for the workflow. Items in "In progress" are the best place to help right now; "Planned" items usually need a short design discussion in an issue first.