Trilobyte Protocol

Decentralised lending infrastructure on Stellar

Real-world businesses borrow working capital; investors earn yield on incoming cash flows.

Trilobyte is currently in active development on Stellar Testnet. Smart contracts are undergoing auditing and are not yet deployed on mainnet.

What is Trilobyte?

Trilobyte is a decentralised lending protocol built on Stellar's Soroban smart contract platform. It connects businesses that need working capital with investors who want transparent, yield-bearing exposure to real-world cash flows.

Each loan is represented by a Vault — a smart contract that manages the full lending lifecycle from fundraising to repayment. Pool Managers underwrite and structure loans, while investors fund them and earn yield from the borrower's periodic repayments.

How It Works

1. A Pool Manager evaluates a business and structures a loan

2. Investors fund the loan by depositing into the Vault

3. The Borrower receives the capital and makes periodic repayments

4. Investors earn yield from the borrower's repayments

Key Features

• On-chain transparency — Every deposit, payment, and claim is recorded on Stellar

• SEP-41 debt tokens — Investors receive non-transferable tokens representing their share of the vault

• Manager accountability — Pool managers stake collateral that gets slashed on default

• Flexible terms — Interest rate, loan term, split ratio, and deadlines are all configurable

• Timelock governance — Critical protocol changes go through a time-delayed governance process

• Built on OpenZeppelin — Access Control, Pausable, Upgradeable, and FungibleToken modules

Quick Links

What is Trilobyte?How a Loan WorksFor InvestorsFor Pool ManagersSmart Contract Architecture