Smooth Cash Flow, Powered by Stellar

QuickLendX is a decentralized invoice factoring platform built on the Stellar blockchain using Soroban smart contracts. It helps small and medium businesses (SMBs) get paid instantly for their unpaid invoices by connecting them with global crypto investors.

This solves a real-world problem: late payments and long invoice cycles that hurt business cash flow. QuickLendX leverages fast, low-fee Stellar transactions to allow investors to "buy" invoices and earn a profit when they are paid.

Businesses often wait 30-90 days to get paid for work already delivered. This delays salaries, supplies, and growth. Traditional factoring solutions are slow, expensive, and limited to local markets.

QuickLendX enables businesses to:

• Upload unpaid invoices
• Get bids from global investors
• Instantly receive funds
• Settle automatically when payment is received

All on-chain, without banks, credit checks, or paperwork.

flowchart TD
    A[Business uploads invoice] --> B[Smart contract verifies and locks invoice]
    B --> C[Investors place bids]
    C --> D[Business selects best bid]
    D --> E[Investor funds sent via Stellar]
    E --> F[Smart contract tracks invoice payment]
    F --> G[Payment received by smart contract]
    G --> H[Investor receives payment + profit]

• Frontend: React + Tailwind + Stellar SDK
• Backend: Node.js + Express (optional for API services)
• Smart Contracts: Soroban (Rust)
• Wallet Integration: Freighter, Lobstr
• Database: PostgreSQL (off-chain metadata)

• Total Supply: 100M FLOW
• Use Cases:
  • Fee discounts
  • Governance voting
  • Staking rewards

• 2% fee per invoice transaction
• FLOW token holders get % of revenue via staking

• Soroban contract audits (via trusted third party)
• KYC/AML onboarding for business users
• Invoice authenticity APIs for verification
• GDPR and India/US financial compliance roadmap

• Global invoice factoring market: $3.1 Trillion
• No decentralized factoring solution on Stellar
• First-mover advantage in cross-border micro-invoicing

• Invoice upload + bidding workflow
• Simple Soroban contract for fund locking
• Web UI for business and investor

• FLOW token launch
• On-chain invoice scoring system
• Stablecoin integration (USDC, EURC)

• KYC module for business onboarding
• Multi-currency invoice support
• Investor analytics dashboard

• DAO for protocol upgrades
• Revenue sharing via FLOW staking
• Open marketplace for 3rd-party verification oracles

• Upload invoices, set minimum expected amount
• Accept offers and receive funds instantly

• Browse available invoices
• Bid for invoices and earn profit upon repayment

• Approve invoice verification
• Monitor protocol performance

MIT License © 2025 QuickLendX Labs