# 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](https://soroban.stellar.org/), 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**](https://soroban.stellar.org/) — Smart contract framework
* [**OpenZeppelin Stellar Contracts v0.6.0**](https://docs.openzeppelin.com/stellar-contracts) — Battle-tested security modules (Access Control, Pausable, Upgradeable, FungibleToken, Timelock Controller)
* **Rust** — Systems-level safety and performance
* **TypeScript** — Deployment scripts and client SDK


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