Locale Lending Platform

A decentralized peer-to-peer lending platform built on Cartesi, enabling borrowers to access loans and investors to earn yields through lending pools.

Tech Stack

Frontend: Next.js 15, React, TypeScript, Tailwind CSS, shadcn/ui
Backend: Next.js API Routes, Prisma ORM
Database: PostgreSQL with Supabase
Authentication: NextAuth.js with Alchemy Account Kit
Blockchain: Cartesi, Arbitrum, Ethereum
Wallet Integration: WalletConnect, Alchemy Account Kit (Embedded & External Wallets)
Identity Verification: Plaid KYC, ZK Proofs (Groth16)

Features

For Investors

Pool Discovery

Browse and filter lending pools by APY, TVL, risk level, and investor count
Advanced search with real-time filtering
Side-by-side pool comparison tool
Detailed pool analytics and performance metrics

Portfolio Management

Real-time portfolio dashboard with performance charts
Asset allocation visualization (pie charts)
30-day performance trend analysis
Active stake tracking across multiple pools
Earnings history and projections

Analytics Dashboard

Platform-wide metrics (Total TVL, Active Pools, Total Investors)
TVL growth trends over time
APY distribution across pools
Investor growth analytics
Pool type breakdown
Top performing pools ranking
Market trends and seasonal insights

User Settings

Account management with wallet integration
Notification preferences (email, investment updates, earnings alerts)
Transaction history export
Wallet disconnect with confirmation

For Borrowers

Sign in with wallet (WalletConnect or Alchemy embedded wallet)
KYC verification for account addresses
Loan application with bank account verification
DSCR verification via ZK proofs (privacy-preserving)
Transaction history analysis through Plaid

For Approvers/Admins

Review and approve/reject loan applications
Manage lending pools (create, edit, archive)
Investor management dashboard
Pool analytics and performance monitoring
Platform-wide statistics

Getting Started

Prerequisites

Set up the Loan Pool Smart Contracts and Cartesi instance for local development
PostgreSQL database (local or Supabase)
Node.js 18+ and npm

Installation

Clone the repository:

git clone https://github.com/Locale-Network/lending-platform.git
cd lending-platform

Copy the example environment file:

cp .example.env .env

Configure environment variables in .env:

Required Variables:

NEXT_PUBLIC_REOWN_CLOUD_PROJECT_ID - Your Reown (WalletConnect) project ID
NEXT_PUBLIC_WALLETCONNECT_PROJECT_ID - WalletConnect project ID for Alchemy
CARTESI_PRIVATE_KEY - Private key from the loan-pool repo (starts with 0x)
ALCHEMY_API_KEY - Alchemy API key (server-side only)
NEXT_PUBLIC_SUPABASE_URL - Your Supabase project URL
NEXT_PUBLIC_SUPABASE_ANON_KEY - Supabase anonymous key
SUPABASE_SERVICE_ROLE_KEY - Supabase service role key
POSTGRES_URL - PostgreSQL connection string
PLAID_CLIENT_ID - Plaid client ID for bank verification
PLAID_SECRET - Plaid secret key
TEMPLATE_ID - Identity verification template ID
NEXTAUTH_SECRET - NextAuth secret (generate with openssl rand -base64 32)

Optional (Development):

DISABLE_SBT_CHECKS="true" - Bypass soulbound token checks during development

Start PostgreSQL database (if using Docker):

docker compose up db

Install dependencies:

npm install --legacy-peer-deps

Run database migrations:

npx prisma generate && npx prisma migrate dev

(Optional) Seed the database with sample pools:

npx tsx prisma/seed-pools.ts

Start the development server:

npm run dev

Open http://localhost:3000 in your browser

User Roles

Borrower (Default)

Apply for loans
Connect bank accounts via Plaid
Submit identity verification
Track loan status

Investor

Browse and invest in lending pools
Track portfolio performance
Earn yields from loans
Withdraw earnings

Approver/Admin

Review and approve loan applications
Manage lending pools
Access platform analytics
Monitor system health

Wallet Integration

The platform supports multiple wallet connection methods:

Alchemy Account Kit

Embedded Wallets: Email-based wallets with passkey support
External Wallets: MetaMask, Rainbow, Trust Wallet, Rabby, WalletConnect

Supported Networks

Arbitrum (Primary)
Ethereum Mainnet
Base (Testnet support)

API Endpoints

Pools

GET /api/pools/public - List all public pools
GET /api/pools/public/[slug] - Get pool details
POST /api/pools/stake - Stake in a pool
POST /api/pools/unstake - Withdraw from a pool
GET /api/pools/[id]/user-stake - Get user's stake in a pool

Portfolio

GET /api/portfolio/stakes - Get user's active stakes

Transactions

GET /api/stake-transactions - Get stake transaction history

Admin

GET /api/pools - List all pools (admin)
POST /api/pools - Create new pool
PUT /api/pools/[id] - Update pool
DELETE /api/pools/[id] - Archive pool

Database Schema

Core Tables

users - User accounts and profiles
loan_pools - Lending pool configurations
user_stakes - Investor stakes in pools
stake_transactions - Transaction history
loan_requests - Borrower loan applications
accounts - NextAuth account linking

Processing Notices (Cartesi Integration)

Notices from the Cartesi machine are processed via CRON job on Vercel.

Manual Trigger:

curl http://localhost:3000/api/cron/notices \
  -H "Authorization: Bearer {CRON_SECRET}"

Production Deployment

Vercel (Recommended)

Connect your GitHub repository to Vercel
Configure environment variables in Vercel dashboard
Deploy automatically on push to main branch

Environment Setup

Production database: Use Supabase or managed PostgreSQL
Cartesi node: Deploy to production Cartesi network
CRON jobs: Configure via Vercel cron configuration

Development

Build for Production

npm run build

Run Production Build Locally

npm run start

Database Operations

# Generate Prisma client
npx prisma generate

# Create new migration
npx prisma migrate dev --name migration_name

# Push schema without migration (dev only)
npx prisma db push

# Open Prisma Studio
npx prisma studio

Code Quality

# Run linter
npm run lint

# Run type checking
npx tsc --noEmit

Security

All sensitive configuration is managed via environment variables
No secrets are committed to the repository
API routes validate user authentication and authorization
Database queries use Prisma ORM to prevent SQL injection
NextAuth handles secure session management
Soulbound NFTs verify investor/borrower status (can be disabled in development)

Contributing

Fork the repository
Create a feature branch (git checkout -b feature/amazing-feature)
Commit your changes (git commit -m 'Add amazing feature')
Push to the branch (git push origin feature/amazing-feature)
Open a Pull Request

License

This project is part of the Locale Network ecosystem.

Links

Support

For issues and questions:

Open an issue on GitHub
Contact the Locale Network team

Name		Name	Last commit message	Last commit date
Latest commit History 29 Commits
.docker/db		.docker/db
e2e		e2e
prisma		prisma
public		public
scripts		scripts
src		src
.env.example		.env.example
.eslintrc.json		.eslintrc.json
.gitignore		.gitignore
.markdownlint.json		.markdownlint.json
.prettierignore		.prettierignore
.prettierrc		.prettierrc
Locale Lending Logo.svg		Locale Lending Logo.svg
Locale Lending Wave Logo (Photo Collage).svg		Locale Lending Wave Logo (Photo Collage).svg
Locale Signature.png		Locale Signature.png
Locale Website Wave.gif		Locale Website Wave.gif
README.md		README.md
components.json		components.json
docker-compose.yml		docker-compose.yml
next.config.mjs		next.config.mjs
package-lock.json		package-lock.json
package.json		package.json
playwright.config.ts		playwright.config.ts
postcss.config.mjs		postcss.config.mjs
tailwind.config.ts		tailwind.config.ts
tsconfig.json		tsconfig.json
usd-coin-usdc-seeklogo.png		usd-coin-usdc-seeklogo.png
vercel.json		vercel.json
vitest.config.ts		vitest.config.ts

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