Reputation-based micro-lending on Stellar

Credit built on behavior,not collateral.

TrustLend connects borrowers and lenders through an on-chain trust score. Sign in with your Stellar wallet, build reputation with every repayment, and unlock fair capital without paperwork.

Get started See how it works

Wallet sign-in, no passwords
Non-custodial on Stellar
Score grows with every repayment

Potential lending volume: $0B+
Emerging market freelancers: 0M+
Target repayment success: 0.0%
Wallet sign-in, no passwords: <0 Min

Why TrustLend

Anytime, Anywhere

TrustLend helps users build reputation from real behavior and unlock fair capital without paperwork-heavy approval cycles.

Behavior-based scoring

Repayments, lending activity and transaction discipline move the score — not collateral or paid tasks.

Enforced by contracts

Loan terms, escrow and defaults are handled by Soroban smart contracts you can read and verify.

Settles in seconds

Stellar's rails move funds globally for a fraction of a cent, so payouts and repayments are instant.

Built for emerging markets

Designed for freelancers and gig workers who have income history but no bank credit file.

No paid tasks. No synthetic score farming. Just real financial trust that compounds with every healthy action.

How it works

Four steps from wallet to funded loan

Every step is enforced by a Soroban contract you can read. Hover to pause the walkthrough.

Sign in with your Stellar wallet

Authenticate by signing a SEP-10 challenge with Freighter, xBull, Albedo, or any mobile wallet over WalletConnect. No password, and TrustLend never holds your keys.

Get started free

Your journey

Trust that compounds with every healthy cycle

From first sign-in to a growing credit line, each step feeds the next. Nothing here requires a bank, a credit file or collateral.

Score range

0 · None300 · Beginner500 · Silver700 · Gold850+ · Platinum

Choose a role + sign in
Pick Borrower or Lender and sign in by signing a challenge with your Stellar wallet.
Connect your trust profile
Your profile starts with a baseline trust score and tracks all meaningful activity.
Build reputation from behavior
Score grows through repayment consistency, lending participation, and transaction discipline.
Access fair micro-loans
Borrowers unlock faster approvals while lenders allocate to transparent diversified pools.
Scale with compounding trust
Each healthy cycle expands credit access, confidence, and long-term economic mobility.

Why it works

Built for people the credit system left out

Freelancers, gig workers and small traders have real financial histories. TrustLend turns that history into credit.

User-friendly credit access
24/7 transparent score updates
No collateral-first bias
Fast global transaction rails
Behavior-based risk controls

Peer to peer

Conduct P2P transactions in just 3 steps

A clear flow gives both sides confidence: borrowers request with trust context, lenders confirm with transparent signals, and payouts settle quickly.

Step 1

Place request with trust profile

Borrowers submit amount and purpose, and lenders instantly view behavior-based reputation data.

Step 2

Confirm terms and repayment plan

Both sides lock terms clearly with expected duration and transparent repayment checkpoints.

Step 3

Unlock capital and track lifecycle

Funds are released and every repayment milestone updates trust signals for future access.

Start a request

Security

Verifiable, not just promised

Every claim below links to something you can open and check — a policy, a workflow run, or the contract itself.

TrustLend runs on Stellar testnet today. Contracts are open source and under continuous automated audit; no third-party certification is claimed.

FAQ

Questions, answered

Still unsure about something? The borrowing guide walks through the whole loan lifecycle with worked examples.

Read the borrowing guide →

: TrustLend is a reputation-based micro-lending platform where creditworthiness is driven by real financial behavior, not collateral or paid tasks.