Unaudited Testnet only Pre-production

Equillar is functional as an open-source Soroban contract, but it has not been audited and is not yet ready for production use.

Open-Source investment infrastructure on Stellar

Equillar helps integrators offer structured financing and investment flows on Soroban.

Equillar is an investment lifecycle engine for fintechs, exchanges, and other already-regulated integrators that want to connect companies raising capital with users investing through their platforms. Equillar only provides the technology layer: on-chain investment positions, treasury handling, collateral support, and emergency settlement.

View contract See current status Docs
Current framing Infrastructure, not a retail app
01

Integrators

Already-regulated fintechs, exchanges, and platform operators that integrate Equillar into their services.

02

Companies

Registered companies on integrator platforms that raise financing for specific projects.

03

Users

Registered users on integrator platforms who invest in those financing opportunities.

Engine

Why Equillar exists

Already-regulated integrators shouldn't have to build contract logic, treasury flows, collateral handling, and emergency settlement from scratch every time they want to launch a financing product on Stellar.

The problem

Offering financing and investment products takes more than accepting deposits. It requires structured repayment logic, clear actor permissions, auditable positions, and fallback mechanisms for when a normal payment flow breaks down — all under real regulatory constraints.

The approach

Equillar packages those flows into an open-source Soroban contract: role-based access, tracked positions, project and reserve accounting, optional collateral, and an emergency close path for when things don't go as planned. It does not replace regulatory, compliance, or custody responsibilities — those remain with the integrator.

The anchor: Stable-coins

Returns must come from the underlying project, not from the token that carries the capital. That's why Equillar is built around stablecoins: any other asset would introduce volatility that has nothing to do with the investment itself, and everything to do with the market that day.

How it works

A B2B2C flow with on-chain positions and managed payment rounds

Equillar is built around three on-chain actors, with the operational layer managed by the integrator

1

Integrator deploys and operates

he already-regulated integrator controls role assignment, onboards approved company addresses, and manages operational actions such as investment processing, company transfers, and settlement flows

2

Company raises financing

Companies raise funds for a defined financing operation. Equillar splits incoming capital between project funds and commissions

3

User invests through the integrator

Each accepted investment creates a tracked on-chain position with payment state, interest, obligations, and completion status

4

Payments are funded and processed

The company funds each round, and payments to investors are then processed accordingly. The contract supports coupon and reverse-loan repayment profiles

Financing profiles

Built for different financing profiles

Equillar supports two repayment structures, so integrators can match the payment model to the type of project being financed.

1

Coupon

For projects with a longer path to operation — like infrastructure builds or real estate. Investors receive periodic returns first, with capital returned at the end, similar to a bond.

2

Reverse Loan

For projects that start generating cash flow quickly — like equipment or fleet financing. Capital and returns are distributed together across the payment schedule, similar to an amortizing loan.

For integrators

Designed for operationally managed financing platforms

Equillar fits a model where an already-regulated integrator operates the protocol inside an existing product, rather than exposing raw contract interactions directly to end users.

Technology, not regulation

Equillar provides infrastructure only. Integrators are expected to already be regulated and to handle their own legal, compliance, onboarding, and operational duties.

Role-aware architecture

The contract exposes admin, operator, company, and manager roles, so integrators can keep governance and operational flows explicit and separated

Operational safeguards

Reserve logic, collateral handling, and emergency settlement are part of the Equillar's design, not an afterthought layered off-chain.

Open-source foundation

Integrators can inspect, adapt, extend, and audit the codebase, instead of depending on a closed, third-party financing engine.

Project status

Transparent by design

Equillar is presented as it is today: a real technical foundation with visible gaps still to close before production use

Soroban contract

Functional

Core lifecycle, treasury, collateral, emergency, and pause flows are implemented and covered by tests.

Audit

Pending

The contract has not been audited yet. A professional security review is required before any production deployment.

Production readiness

Not ready

Equillar is currently a pre-production protocol and should be treated as testnet-stage infrastructure.

Open-source evidence

Available

The codebase, tests, and contract structure are public and already suitable for technical review.

Roadmap

What comes next

The next milestones are about closing the gap between a functional open-source engine and a production-ready infrastructure layer — through auditing and technical hardening, not a controlled product launch.

Phase 1

Audit and hardening

External security review, fixes from audit findings, and stronger operational guidance to bring the contract to a production-ready state.

Phase 2

Pilot integration

Validate the integrator model with a first real platform flow and clearer deployment assumptions.

Phase 3

Production-ready release

A hardened, audited version of the contract that integrators can confidently deploy on their own terms.