StepFi Protocol
Open-source BNPL on Stellar for learners in emerging markets
Welcome to StepFi
StepFi is an open-source Buy Now Pay Later protocol built on Stellar, designed to give learners, interns, and early-career developers in emerging markets access to credit without banks.
What is StepFi?
StepFi enables learners to finance laptops, courses, bootcamps, and dev tools through installment-based loans backed by a sponsor liquidity pool — all secured by Soroban smart contracts on the Stellar blockchain.
Key Features
- No banks required: Wallet-based authentication via Freighter and Lobstr
- On-chain reputation: Credit score built from repayment history
- Sponsor yield: Sponsors earn APY by funding the liquidity pool
- Mentor vouching: Senior developers vouch for learners to improve their terms
- Open source: MIT licensed, 37 labeled issues for contributors
Live Deployments
| Resource | URL |
|---|---|
| Landing Page | https://stepfi.vercel.app |
| API (Swagger) | https://stepfi-api.onrender.com/api/v1/docs |
| Interactive Demo | https://stepfi.vercel.app/demo |
| GitHub | https://github.com/StepFi-app |
Deployed Contracts (Stellar Testnet)
| Contract | ID |
|---|---|
| Creditline | CAQDHYG3TALPNXG466SZUMJEPOI7VYV732LPFF3GHE4ASPBCNMIQBS3X |
| Reputation | CC3BO57ZRJGA63QJBIBSOMI25Z3X2I5CYTARYRAUXUAILX6L3OWBL5SB |
| Liquidity Pool | CACKE7ML2BTOAGQTAAW5NEARHCFX4PXXKGEO6GMU6NHFBVYQFZRJS2BT |
| Vendor Registry | CCZ6T6NYCDNI26VGTPXKKWQDR7JCIZZ24LCEG4MMYHZJAG6BPWIVAU2L |
| Parameters | CCAE72SKYX55C5L56DBEFIMFVXRUIJY6JYLBREHEWRFNOW7AX5NBIJ5B |