Compliant DeFi (RegFi) – SMB Lending Platform on Stellar

Compliant DeFi (RegFi) proposes a new model: a Stellar-based lending platform that merges the transparency and efficiency of decentralized finance with the safeguards of regulatory compliance. Built on Soroban smart contracts and leveraging USDC on Stellar, our platform enables tokenized SMB loans where identity verification, AML screening, and creditworthiness checks are embedded directly on-chain. This ensures that capital providers (banks, fintechs, DAOs) can extend financing confidently, while SMBs benefit from faster, lower-cost access to credit.

Our MVP focuses on:

· KYC/AML integration with trusted identity providers (e.g., Sumsub, Trulioo).

· Tokenized credit issuance and repayment tracking on Stellar.

· RegFi dashboards for lenders and regulators to monitor usage.

Small and medium-sized businesses (SMBs) represent the backbone of local economies, yet they consistently face barriers to affordable credit. Traditional lenders often require excessive documentation, lengthy onboarding, and rigid credit checks, while most DeFi solutions ignore compliance, leaving SMBs without trusted financing options.

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