StellarSettle

Decentralized Invoice Financing on Stellar Blockchain

Small and medium businesses (SMBs) globally face a $5 trillion working capital gap. They issue invoices with 30-90 day payment terms but need cash immediately to operate. Traditional invoice factoring is expensive (15-30% fees), slow, and inaccessible to most SMBs, especially in emerging markets.

StellarSettle is a decentralized invoice financing platform built on Stellar blockchain that:

• For Businesses: Get 80-95% of invoice value in USDC within minutes by tokenizing unpaid invoices
• For Investors: Earn 10-25% APY on short-term (30-90 day), asset-backed investments
• For Everyone: Transparent, low-fee (2-3% vs 15-30%), globally accessible invoice marketplace

┌─────────────────────────────────────────────────────┐
│                    Frontend (Next.js 15)            │
│  • Seller Dashboard  • Investor Dashboard          │
│  • Marketplace       • Wallet Integration          │
└─────────────────┬───────────────────────────────────┘
                  │ REST API
┌─────────────────┴───────────────────────────────────┐
│              Backend API (Node.js 22)               │
│  • Invoice Management  • Payment Processing         │
│  • User Auth           • IPFS Storage               │
└─────────────────┬───────────────────────────────────┘
                  │ Soroban Interactions
┌─────────────────┴───────────────────────────────────┐
│          Smart Contracts (Soroban/Stellar)          │
│  • Invoice Escrow  • Token Standard  • Distribution │
└─────────────────────────────────────────────────────┘

This project is organized into 3 main repositories:

• For contracts: Rust 1.83+, Soroban CLI
• For backend: Node.js 22+, PostgreSQL 17+
• For frontend: Node.js 22+
• Git, GitHub account

1. Read the docs:

   • Contributing Guide - START HERE
   • Architecture Overview
   • Development Setup
   • Code of Conduct

2. Find an issue:

   • Browse Good First Issues
   • Check the Project Board
   • Filter by difficulty: label:difficulty:easy, label:difficulty:medium, label:difficulty:hard

3. Set up your environment:

   # Clone the repo you want to work on
   git clone https://github.com/StellarState/SS-contracts.git
   cd stellarsettle-contracts
   
   # Follow setup instructions in DEVELOPMENT.md

4. Join the community:
   • Discord: Join our server (Create this)
   • Weekly standups: Mondays 3pm UTC
   • Questions? Tag @maintainers in Discord

Phase 1: Foundation (Month 1)

• ✅ Project setup and documentation
• 🔄 Smart contract development
• 🔄 Core API endpoints
• 🔄 Basic frontend structure

Phase 2: Core Features (Month 2)

• ⏳ Invoice upload and tokenization
• ⏳ Marketplace functionality
• ⏳ Investment flow
• ⏳ Payment settlement

Phase 3: Production Ready (Month 3)

• ⏳ Security audit
• ⏳ Testing and QA
• ⏳ Performance optimization
• ⏳ Mainnet deployment

See detailed ROADMAP.md

We have 100+ issues across difficulty levels:

Perfect if you're new to the project or technology:

• Documentation improvements
• Unit tests
• UI component styling
• Input validation
• Error message improvements

Browse Easy Issues →

For contributors with some experience:

• API endpoint implementation
• Smart contract functions
• Dashboard components
• Database migrations
• Integration tests

Browse Medium Issues →

For experienced developers:

• Security implementations
• Complex Stellar integrations
• Payment distribution algorithms
• Performance optimization
• Architecture decisions

Browse Hard Issues →

StellarSettle is funded through Drips, enabling open-source contributors to earn while building impactful technology. All contributors are compensated for merged work.

• Issues are labeled with estimated effort (1-8 hours)
• Compensation is distributed via Drips after PR merge
• Rates vary by complexity and experience
• See CONTRIBUTING.md for details

• Smart Contracts: Rust, Soroban SDK 22.x
• Backend: Node.js 22, TypeScript 5.7, Express 5, Prisma 6
• Frontend: Next.js 15, React 19, TailwindCSS 4
• Blockchain: Stellar (Soroban)
• Database: PostgreSQL 17
• Storage: IPFS (Pinata)
• Deployment: Vercel (frontend), Railway/Fly.io (backend)

We welcome contributors of all skill levels! Please read:

1. CONTRIBUTING.md - Contribution guidelines
2. CODE_OF_CONDUCT.md - Community standards
3. DEVELOPMENT.md - Development setup

New to open source? Check out our Good First Issues!

• Target Launch: June 2026 (3 months)
• Expected Contributors: 20+
• Total Issues: 100+
• Test Coverage Goal: >85%
• Target Users (Year 1): 1,000 SMBs, 500 investors

• Website: https://stellarsettle.com (Coming soon)
• Documentation: https://docs.stellarsettle.com
• Discord: https://discord.gg/stellarsettle
• Twitter: @stellarsettle
• Drips Profile: stellarsettle.drips.network

MIT License - see LICENSE file for details.

• Funded by Drips Network
• Built on Stellar blockchain
• Powered by the open-source community