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.
The Problem
Small and medium-sized businesses often struggle to access affordable credit. Traditional lending is slow, opaque, and gatekept by institutions with misaligned incentives. Businesses with strong incoming cash flows — invoices, receivables, contracts — may still be denied credit because they lack conventional collateral or credit history.
The Trilobyte Solution
Trilobyte creates a transparent marketplace where:
Businesses can borrow against their future cash flows without the friction of traditional finance
Investors can earn yield by funding these loans, with full on-chain visibility into repayments
Pool Managers act as professional underwriters who evaluate businesses, structure loan terms, and stake their own capital as a guarantee
Every loan is represented by a Vault — a dedicated smart contract that manages the entire lending lifecycle: fundraising, disbursement, repayment tracking, yield distribution, and settlement.
Why Stellar?
Trilobyte is built on Soroban, Stellar's smart contract platform, for several reasons:
Low transaction costs — Stellar's fee model makes micro-payments and frequent repayments practical
Fast finality — Transactions settle in seconds, not minutes
SEP-41 token standard — Native fungible token support for debt tokens
Growing DeFi ecosystem — Soroban provides a modern Rust-based smart contract environment with a growing developer community
Global reach — Stellar is designed for cross-border payments and financial inclusion
Built With
Soroban SDK v23.5.2 — Smart contract framework
OpenZeppelin Stellar Contracts v0.6.0 — Battle-tested security modules (Access Control, Pausable, Upgradeable, FungibleToken, Timelock Controller)
Rust — Systems-level safety and performance
TypeScript — Deployment scripts and client SDK
Last updated