credit infrastructure for your platform.
your users hold tokenized assets and need liquidity without selling them. vigente prices each borrower's limit from their on-chain history, on contracts anyone can audit. you don't build a credit engine — you integrate one.
credit primitive live on stellar testnet · no native token · custody in verifiable contracts
the LTVs and score cutoffs are what get_tier_ltv returns today on the margin controller deployed to testnet. the rate adjustment is illustrative: the rate comes from pool utilization, and calibrating it is part of the pilot.
how it works
three steps for your platform's user. collateral lives in a verifiable contract — not on your balance sheet, and not on ours.
deposit collateral
USDC, XLM or tokenized real-world assets (e.g. treasuries). it's locked in a public stellar contract anyone can audit.
borrow stablecoins
receive liquidity instantly, up to the limit set by your LTV. repay at your own pace and reclaim your collateral when you close the position.
your reputation improves your terms
on-time repayments — and, if you authorize it, verified income or remittance data — raise your LTV and lower your rate over time.
not a generic CDP
in a standard lending protocol everyone gets the same deal: same LTV, same rate, no matter how many times you've repaid well. your track record is worth nothing.
vigente adds a reputation layer on top of the pool: your behavior — verifiable on-chain, enrichable with off-chain data you consent to — translates directly into more borrowing power per unit of collateral and a better rate.
who it's for
platforms whose users already hold assets
wallets, fintechs and RWA platforms whose users need liquidity without selling. you own the user relationship and the KYC; we provide the credit engine, the reputation-priced limit and custody in auditable contracts. no token to adopt, no permission to ask for.
lending markets that want risk-priced terms
any soroban contract can read the reputation badge and its associated LTV, and use them to differentiate terms. our sep-40 aggregator — the same one occupying our pool's oracle slot — is published as an open reference for the network.
whoever issues the bond and wants it to work as collateral
there is over $3B of tokenized real-world assets on stellar, and just above $2M accepted as collateral in lending markets (redstone, aug-2026). your instrument is not idle for lack of credit demand: it is idle because accepting it requires continuous pricing and issuer-risk controls almost nobody built. we built them deliberately — per-asset and per-user caps enforced at deployment, an exit route whose destination is fixed at init with no setter, and a contract that reverts rather than operate on a price it could not validate.
whoever borrows inside that platform
deposit collateral, receive stablecoins, reclaim everything on repayment. every on-time repayment raises the limit and lowers the rate. the sections below are a demo of that experience — what users of an integrated platform would see.
this is what credit assessment looks like for your user
this is the same assessment that would run inside an integrated platform, opened up here so you can try it yourself. answer four questions for an initial score; connect a wallet and we also read your real reputation from the live contract.
just want to read your on-chain badge? → /passport
the calculation happens in your browser. nothing is sent or published on-chain.
fill in the form and calculate your initial score. no wallet or assets needed.
today: read your on-chain reputation. soon: it improves your collateralized credit terms.
connect your wallet or paste your stellar address and we read your state from the live reputation contract (get_score / is_defaulted — permissionless read, no signature). if you already hold a badge, your on-chain score appears next to the estimate.
built on proven infrastructure
we don't reinvent the lending pool: we compose over audited, verifiable pieces and add the reputation layer.
the lending-pool infrastructure, audited and in production on stellar. the pilot pool composes on top of it (orbit pattern) instead of rewriting it.
our pool's oracle slot is immutable and holds our aggregator, which today routes to reflector and can take on more sources without redeploying the pool. includes a deviation guard against anomalous price jumps.
settlement in seconds with sub-cent fees. smart contracts on soroban.
every line of code that custodies your reputation and collateral is public and verifiable in the explorer. nothing opaque in the trust path.
it already runs on stellar testnet: 3-of-5 threshold oracle, reputation badge, our own sep-40 price feed and an isolated lending pool built on it. you can read it below, right now.
no governance token, no inflated emissions. the plan is to earn from credit, not from speculation — the fee module is roadmap, not shipped.
integrate vigente or join the pilot
if you're building a platform and want to offer credit to your users, get in touch: the mainnet pilot starts capped and with few integrators. if you're an end user, leave your email and we'll tell you when there's room in the first pool.
no spam. pilot updates only. we never publish your data on-chain.
less collateral over time
today, every loan is backed by collateral. but every on-time repayment is evidence — and accumulated evidence should be worth something.
the destination is a glide-path: as your reputation consolidates, the required collateral goes down. fair credit for anyone who builds a track record, even if no bank knows them. that's the goal — not a day-1 promise.
getting started
from whitelist to your first loan, in six steps.
every repayment is a block. every block is reputation.
vigente turns financial behavior into a verifiable asset on stellar. no intermediaries with opinions — only on-chain evidence, cryptographically provable.
roadmap
3-of-5 threshold oracle, soulbound reputation badge and our own sep-40 price feed. every contract verifiable in the explorer.
our own isolated pool on blend, with our sep-40 aggregator in the oracle slot — immutable — routing to reflector. full cycle verified on-chain: deposit, borrow, repay and withdraw, plus custody proven under an adversarial pause. evidence published in the repository, with transaction hashes.
proportional liquidation, per-user exposure cap and on-chain fees; first tokenized fixed-income asset as collateral; fiat ramp connected end to end.
capped, whitelisted mainnet launch under multisig and timelock, with an sdk and integration docs for third parties.
users operating their own credit from their own wallet, with no custodial intermediary, on a glide-path: less collateral required as reputation consolidates. this is the product direction, not a dated commitment.
frequently asked questions
the pool composes on blend, audited infrastructure in production on stellar, and prices arrive through our own sep-40 aggregator routing to reflector. all contracts are public and verifiable. honestly stated: the MVP is on testnet today, every collateralized loan carries risk (volatility, smart contracts), and you should never deposit more than you can afford to lock.