AnchorFlow

Programmable cross-border treasury & invoice-financing rails for the global independent workforce.

Income infrastructure for the borderless workforce — built on Stellar & Soroban.

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What is AnchorFlow?

The independent economy is now hundreds of millions of people working across borders — yet the money rails beneath them are still built for banks and 3-day wires. A freelancer invoicing a client abroad loses 5–10% to FX and fees, waits 3–7 days to settle, gets paid 30–60 days late, and — worst of all — cannot borrow a cent against a real, contractual receivable.

AnchorFlow turns a single payment link into a full treasury stack:

1. Get paid in anything, receive what you want — Stellar path payments route through the native DEX and settle into your chosen asset in ~5 seconds for less than a cent. No correspondent banks, no SWIFT.
2. Cash out locally — via Stellar anchors (SEP-24) you off-ramp straight to a local bank or mobile money.
3. Tokenize the invoice, unlock the income — every accepted invoice is minted as an RWA on Soroban; draw an instant 80–90% advance from a permissionless pool, and the smart contract auto-settles the loan when the client pays. LPs earn real cash-flow-backed yield.
4. Programmable payroll — Soroban contracts stream salary with linear vesting; contributors withdraw what they've earned anytime.

It's not another wallet — it's income infrastructure. And Stellar's anchors, path payments, and Soroban are the only stack that makes it real today.

Full pitch: docs/PITCH.md

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Demo

▶ Watch the demo — a 30-second walkthrough of the full flow: issue an invoice, draw an instant advance, get paid via path payment, stream payroll, and cash out through an anchor.

Screenshots

Freelancer — invoices & financing	Customer — pay (multi-currency)

Payroll streaming (live vesting)	Liquidity pool

Local cash out (anchor / SEP-24)	Landing

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Architecture

Frontend (Next.js)        Backend (Node/TS)            Stellar / Soroban
 5 panels            ──►   ledger adapter        ──►    InvoiceToken   (RWA)
 invoice / payroll        sim ↔ live                    LendingPool    (advance + yield)
 cashout / pool / pay     path-payment builder          PayrollStream  (vesting)
                          SEP-24 anchor sim             native DEX     (path payments / FX)

Money and credit logic live on-chain (Soroban); UX convenience lives off-chain (backend). Design detail: docs/ARCHITECTURE.md.

anchorflow/
├── contracts/            # Soroban (Rust)
│   ├── invoice-token/    # Invoice RWA token
│   ├── lending-pool/     # Advance + LP yield
│   └── payroll-stream/   # Programmable payroll (vesting)
├── packages/
│   ├── backend/          # Node + TS: orchestration, indexer, anchor sim
│   ├── frontend/         # Next.js: 5 panels
│   └── shared/
├── deployments/          # testnet contract IDs
└── docs/                 # PITCH · ARCHITECTURE · DEPLOYMENT · DEMO

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Live on Stellar Testnet

All three contracts are deployed and the full flow is verified end-to-end on chain.

Contract	Contract ID	Explorer
InvoiceToken	CDVXKOEZ7ZVXUUKEGUAF4GTS6WZOT3LRTR7PNHSVTAS42DEJ2IHDO7S5	view
LendingPool	CDFEEMA73R5H7IWQOOLUN4GM3FTE3B7I55CDNT7QI2EBRXOTQA7ILT3E	view
PayrollStream	CBUTHZNJDLAMQT55GEX2ZCZQTWMQCAM7CIWRFFULZNJBA6ULJ5V7MZOM	view

Verified flow (1,000 USDC): LP deposits 10,000 → freelancer issues invoice → client accepts → 850 advance → client pays → loan closes atomically → freelancer 980, pool 10,020 (20 = LP yield). The numbers match across unit tests, backend sim, and live chain. See docs/DEPLOYMENT.md.

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Quickstart

Requirements: Rust 1.95+, stellar CLI 26+, Node 22+.

# 1. Contracts — build + test
cd contracts
cargo test                 # 16/16
stellar contract build     # deployable wasm

# 2. Backend (sim mode — no network needed)
cd ../packages/backend
npm install && npm run dev  # http://localhost:3001

# 3. Frontend
cd ../frontend
npm install && npm run dev  # http://localhost:3000

Drive the whole financing flow locally: ./scripts/smoke_backend.sh. Judge demo runbook: docs/DEMO.md.

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Test & deploy status

• 29/29 tests passing — contracts/ 16/16 (financing flow + payroll vesting) + backend/ 13/13 (money utils + sim ledger + payroll).
• Live on Stellar Testnet, full flow verified on chain (CLI + backend live mode).

Roadmap

#	Milestone	Status
1	MVP: invoice → financing (Testnet)	✅ Done (live)
2	Anchor off-ramp (SEP-24)	⏳
3	Lending hardening (default, oracle FX)	⏳
4	Payroll streaming	✅ Contract live
5	Mainnet pilot	⏳

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Built by Can Sarıhan for the Stellar Startup Track · MIT License