Private Lending. Stellar Speed. X-Ray Privacy.
VeilLend is a privacy-first decentralized lending protocol built on Stellar/Soroban, enabling users to deposit, borrow, and transact with complete financial privacy—powered by X-Ray ZK proofs for shielded transactions . With sub-second settlements, near-zero fees (<0.01¢), and multi-chain support, VeilLend is designed for instant, borderless DeFi.
This tool is ideal for:
- 💼 Freelancers managing cross-border payments and lending
- 🎨 Creators accepting private donations and loans
- 🌍 Individuals handling remittances with financial privacy
- 🏢 Small businesses streamlining asset management across blockchains
Whether you're a solo developer building privacy-first finance or a team scaling multi-chain DeFi, VeilLend prioritises simplicity, self-custody, and security without intermediaries.
VeilLend is currently organized around the active Stellar contract and mobile app workspaces, with older implementation work archived under legacy/ for reference:
veillend/
├── veilend-soroban/ # Active Soroban Rust contract workspace for VeilLend on Stellar
├── veilend-mobile/ # Active React Native / Expo mobile app
├── veilend-web/ # Active Next.js 16 web application
├── legacy/
│ ├── veilend-backend/ # Archived NestJS backend from the previous architecture
│ └── docs/ # Archived migration notes and contributor docs
└── README.md
| Component | Tech Stack | Description |
|---|---|---|
| Smart Contracts | Rust/Soroban | Initial VeilLend contract scaffold for lending state, asset configuration, and event emission on Stellar. |
| Mobile App | React Native (Expo) | Cross-platform mobile experience for deposit, borrow, repay, privacy mode, and wallet-driven onboarding. |
| Web App | Next.js 16 / TypeScript | Privacy-first web interface for VeilLend on Stellar, with App Router, Tailwind CSS, and full TypeScript support. |
| Backend API | Planned Rebuild | The backend is being rebuilt for the Stellar ecosystem; the previous NestJS version is archived in legacy/veilend-backend. |
| Archived Research | Markdown / Notes | Migration notes and previous contributor docs are preserved in legacy/docs. |
Located in /veilend-soroban, the current Soroban codebase is the new VeilLend contract foundation on Stellar.
- Initializes the contract with an admin and minimum collateral ratio.
- Tracks supported assets for lending actions.
- Stores per-user positions with deposited and borrowed balances.
- Exposes basic
deposit,borrow,repay, andwithdrawstate transitions. - Emits events for indexing and analytics.
- Stellar token transfer integration for real asset movement.
- Oracle-backed collateral valuation and liquidation rules.
- Shielded commitment/nullifier flows for privacy-preserving actions.
- Additional testing, security review, and deployment automation.
- 🛡️ X-Ray Privacy Dashboard: Toggle "Privacy Mode" to mask balances and positions with zero-knowledge proofs.
- 🔑 Wallet Login: Authenticate securely using cryptographic signatures and wallet-based onboarding.
- ⚡ Instant Actions: One-tap Deposit, Borrow, and Repay flows across multiple blockchains.
- 🔄 Rebuild-Friendly Architecture: The app is being prepared for a new Stellar-native backend and contributor-driven implementation.
- X-Ray Privacy Toggle: Designed to hide sensitive balances and activity as the privacy layer is integrated.
- Scam Alerts: Flags suspicious transactions (e.g., unusual patterns, missing memos).
- Self-Custody: Funds route directly to your wallet—no central holding.
- Multi-asset support with future expansion across Stellar-native and interoperable assets.
- Recurring loan/repayment links for automated financial management.
- Fiat on/off-ramps (MoneyGram, Banxa) for seamless fiat-to-crypto conversion.
- Notifications (email/Telegram) for transaction confirmations and alerts.
- Node.js (v18+; nodejs.org)
- Rust toolchain (for Soroban contracts; install via rustup.rs)
- Stellar CLI (for contract deployment; on Ubuntu install
pkg-config,libdbus-1-dev, andlibudev-devfirst, then runcargo install --locked stellar-cli --version 23.0.1) - Docker (for local Stellar network; docker.com)
- A Stellar wallet (Freighter recommended; freighter.app)
- Git (for cloning)
- Expo Go (for mobile testing)
Clone the repository:
git clone https://github.com/your-org/veillend.git
cd veillend
# Install mobile dependencies
cd veilend-mobile && npm installConfigure the Stellar network:
- Development: Defaults to testnet; fund your wallet at laboratory.stellar.org
- Production: Ensure your wallet holds the required live assets and network configuration
For contracts: Add environment variables in the veilend-soroban/ workspace as needed for your target Stellar network and deployment flow.
Start the mobile app from its workspace:
cd veilend-mobile && npm install && npx expo startFor contracts (testing/deploying):
cd veilend-soroban
cargo build --target wasm32-unknown-unknown --release
stellar contract buildThe previous backend and migration documents remain available under legacy/ while the new Stellar-native backend is rebuilt.
- Client-Side: User selects a privacy-enabled lending action from the mobile app.
- Preparation: The app prepares lending inputs and any privacy metadata needed for the action.
- On-Chain: The Soroban contract records the position update and emits events for indexing.
- Off-Chain Services: A new Stellar-native backend will eventually sync positions and transaction history for the app experience.
- Future Privacy Layer: Shielded commitments and proof verification will extend this flow in later releases.
MIT
We're actively seeking contributors to help build VeilLend on Stellar! This is your opportunity to:
- ✨ Contribute to cutting-edge privacy-focused DeFi on Stellar
- 💰 Earn rewards through the Drips contributor program
- 🤝 Collaborate with experienced blockchain developers
- 🚀 Gain experience with Soroban, Rust, and multi-chain development
- Setup: Follow the Getting Started guide above
- Pick an Issue: Check GitHub issues labeled
good-first-issue,soroban,mobile, orprivacy - Contribute: Implement features, fix bugs, or help shape the new Stellar-native backend
- Submit: Create a PR with tests and documentation updates
Run tests to validate code quality and functionality:
# Soroban contract checks
cd veilend-soroban && cargo build --locked --target wasm32-unknown-unknown --release
# Mobile-specific tests
cd veilend-mobile && npm testDeployment is automated for most components:
- Mobile: Use Expo CLI for over-the-air updates or app store builds
- Contracts: Build and deploy from the
veilend-soroban/workspace using Cargo and Stellar CLI - Backend: The new Stellar-native backend will be introduced after the archived implementation is replaced
Contributions are welcome and encouraged to help evolve VeilLend! To get started:
- Report Issues: Use GitHub Issues for bugs or feature requests. Include reproduction steps, environment details, and screenshots where possible.
- Propose Features: Start a Discussion thread to align on ideas before coding.
- Submit Pull Requests:
- Fork the repository and create a feature branch:
git checkout -b feature/your-feature - Implement changes, ensuring they pass linting and tests
- Commit with clear messages (e.g., "feat: add multi-asset swap support")
- Push and open a PR against
main. Reference any related issues.
- Fork the repository and create a feature branch:
All contributors must adhere to the Code of Conduct and sign off commits for DCO compliance.
- Soroban Documentation
- Stellar Developer Docs
- Archived research:
legacy/docs - Drips Contributor Program
- Stellar Discord
Ready to contribute? Start with the VeilLend Soroban contract in /veilend-soroban and help us build the future of private lending on Stellar! 🌟