Disciplr is a programmable time-locked capital vault protocol built on the Stellar network.
It enables individuals and organizations to enforce financial discipline by locking USDC under predefined productivity or milestone conditions.

Funds are released only if conditions are met. If conditions fail, funds are redirected according to preconfigured rules.

Disciplr establishes infrastructure for behavior-driven financial accountability.

Individuals and startups frequently encounter:

• Capital misallocation
• Lack of structured accountability
• Poor execution discipline
• No enforceable milestone-based capital control
• Absence of programmable financial behavior systems

Existing solutions rely on self-discipline or manual oversight. There is no automated, enforceable capital discipline protocol on Stellar.

Disciplr introduces a milestone-based vault model:

• User locks USDC in a smart contract
• Vault includes time constraints and performance criteria
• Optional verifier validates milestone completion
• Funds unlock if criteria are satisfied
• If criteria fail, funds redirect to predefined destinations

This creates a programmable behavioral finance system.

flowchart TD
    A[User Wallet] --> B[Vault Smart Contract]
    C[Verifier / Oracle] --> B
    B --> D[Stellar Network]
    D --> E[Horizon Listener]
    E --> F[(PostgreSQL Database)]
    F --> G[Milestone Engine]
    G --> H[Public API]
    H --> I[Analytics Dashboard]

Responsibilities:

• Lock USDC in vault
• Enforce time-lock logic
• Track milestone state
• Manage conditional release
• Redirect funds on failure
• Emit vault lifecycle events

Contract Data Model (Conceptual)

struct ProductivityVault {
    creator: Address,
    amount: i128,
    start_timestamp: u64,
    end_timestamp: u64,
    milestone_hash: BytesN<32>,
    verifier: Option<Address>,
    success_destination: Address,
    failure_destination: Address,
    status: VaultStatus,
}

enum VaultStatus {
    Active,
    Completed,
    Failed,
    Cancelled,
}

Core Contract Methods

• create_vault()
• validate_milestone()
• release_funds()
• redirect_funds()
• cancel_vault()
• get_vault_state()

sequenceDiagram
    participant User
    participant SmartContract
    participant Stellar
    participant Backend

    User->>SmartContract: create_vault()
    SmartContract->>Stellar: Lock USDC
    Stellar-->>Backend: Emit vault_created event
    Backend->>Database: Store vault metadata

sequenceDiagram
    participant Verifier
    participant SmartContract
    participant Backend

    Verifier->>SmartContract: validate_milestone()
    SmartContract-->>Backend: Emit validation event
    Backend->>Database: Update vault status

If milestone validated before expiry → funds released to success destination.
If deadline passes without validation → funds redirected to failure destination.

flowchart TD
    A[Vault Active] --> B{Milestone Validated?}
    B -->|Yes| C[Release to Success Address]
    B -->|No| D{Deadline Passed?}
    D -->|Yes| E[Redirect to Failure Address]
    D -->|No| A

• API Gateway: JWT auth, role-based access (User / Verifier / Admin), rate limiting, API key validation
• Milestone Engine: Store milestone metadata, hash criteria, validate verification signals, vault lifecycle state
• Horizon Listener: Track vault creation, release events, deadline expirations, sync on-chain state
• Verification Service: Manual verifier approvals, API-based KPI verification, optional GitHub/oracle integration
• Analytics Engine: Vault performance, behavioral scoring, capital efficiency reports

erDiagram
    USERS ||--o{ VAULTS : creates
    VAULTS ||--o{ MILESTONES : defines
    VAULTS ||--o{ VALIDATIONS : records
    USERS ||--o{ VAULT_HISTORY : tracks

• Hash-based criteria
• Off-chain document reference
• Oracle-based metric threshold
• Multi-verifier approval
• Time-based release

• Strict timestamp validation
• Verifier role restrictions
• Optional multi-signature vault creation
• Idempotent validation transactions
• Smart contract audit required
• Slashing prevention logic
• Evidence storage encryption

• Vault Creation Fee: Percentage of locked capital
• Performance Validation Fee: Applied during milestone verification
• Enterprise Tier: Productivity analytics, organizational dashboards, team vault aggregation
• Partner Integrations: Charity routing, grant pool participation

Disciplr is not a savings app. It is programmable capital discipline infrastructure.

Target users: Startup founders, developers, remote teams, grant recipients, self-improvement communities, Web3 DAOs.

Disciplr introduces a structured and enforceable financial discipline mechanism on Stellar by combining USDC time-locking, milestone validation logic, conditional capital routing, and backend verification services—establishing a foundation for behavior-driven finance within the Stellar ecosystem.