Creditra is a decentralized risk-priced credit protocol built on the Stellar network using Soroban smart contracts.
It introduces dynamic, algorithmic underwriting based on on-chain economic behavior rather than overcollateralization.

Credit limits and interest rates evolve continuously based on measurable wallet activity, financial attestations, and behavioral signals.

Creditra establishes a programmable credit infrastructure layer for the Stellar ecosystem.

Current DeFi lending models suffer from structural limitations:

• Overcollateralization requirements
• Capital inefficiency
• Exclusion of small participants
• Static risk models
• No adaptive underwriting mechanisms

Stellar lacks a structured credit scoring and dynamic underwriting protocol capable of issuing unsecured or partially secured credit lines.

Creditra introduces a risk-weighted underwriting engine:

• Aggregates on-chain wallet history
• Evaluates transaction behavior patterns
• Integrates optional revenue attestations
• Integrates optional identity bond data
• Calculates a dynamic credit score
• Assigns evolving credit limits
• Adjusts interest rates algorithmically

Credit becomes adaptive, not static.

[Borrower Wallet] → [Credit Smart Contract] ← [Risk Engine]
                          ↓                        ↑
                    [Stellar Network]        [Revenue Oracle]
                          ↓                        ↑
                    [Horizon Listener] → [PostgreSQL] → [Identity Bond Protocol]
                          ↓
                    [Credit API] → [Lender Dashboard]

Responsibilities:

• Maintain credit lines
• Track outstanding debt
• Calculate interest accrual
• Enforce repayment schedules
• Update risk-adjusted parameters
• Emit borrowing and repayment events

Contract Data Model (Conceptual):

• CreditLine: borrower, credit_limit, utilized_amount, interest_rate_bps, last_update_timestamp, risk_score, status
• CreditStatus: Active, Suspended, Defaulted, Closed

Core Contract Methods: open_credit_line(), draw_credit(), repay_credit(), update_risk_parameters(), suspend_credit_line(), close_credit_line()

This workspace contains three separate repositories:

Each has its own README with local setup instructions. Clone and run each independently or link them for full-stack development.

• Blockchain: Stellar Network, Soroban Smart Contracts, Stellar SDK
• Backend: Go / Node (Express), PostgreSQL, Redis, gRPC
• Frontend: TypeScript, modern web stack
• Infrastructure: Docker, Kubernetes, AWS or GCP
• Monitoring: Prometheus, Grafana

• Smart contract audit mandatory
• Rate change limits per period
• Overflow-safe arithmetic
• Liquidity reserve enforcement
• Anti-sybil protection
• Secure API credential management

Creditra is not a collateralized lending platform. It is programmable adaptive credit infrastructure.

Target users: SaaS founders, API providers, marketplace sellers, DAO contributors, institutional liquidity providers.