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Lending Platform

NextJS + Prisma + Sign in with Ethereum

About

The lending platform provides the user interface which allows both borrowers and approvers to access the system.

There is some basic backend functionality through a few endpoints. We handle incoming proofs from Reclaim protocol when users connect their bank account.

There are also two pages which allow the platform to act as a Reclaim data provider to allow users to complete the proof creation flow.

Borrowers

  • borrowers sign in with their wallet
  • the borrower performs a kyc for their account address
  • after the kyc, the borrower can apply for a loan by creating a loan request
  • during the loan creation process, bank account transaction history as well as credit score are collected in order to process the loan

Approvers

  • approvers can review and accept/reject a loan application

Getting Started

First, you should set up the Loan Pool Smart Contracts and Cartesi instance for local development.

Copy the example.env file and fill in the missing variables:

cp .example.env .env

You will need a local instance of postgres:

docker compose up db

Install all modules:

npm i

Run the database migrations:

npx prisma generate && npx prisma migrate dev

Run the dev server (for local dev, the local Cartesi machine should be running):

npm run dev
# or
yarn dev
# or
pnpm dev
# or
bun dev

Open http://localhost:3000 with your browser to see the result.

Loan Platform

Sign in

Sign in with Wallet Connect. This will create an account for you as a "BORROWER".

You can request loans.

If you would like to approve loans, make yourself a "APPROVER".

Apply for loan

  1. You will be asked to KYC the first time. Follow the instructions on the top right for sandbox data.
  2. Create a new loan application
  3. Submit

Approve a loan

  1. Click on the loan in the list
  2. Hit the approve button and the funds will be sent to the user

Processing notices

Normally notices are processed through a CRON job on vercel.

Trigger manually:

GET http://localhost:3000/api/cron/notices with Authorization: Bearer {CRON_SECRET}

Deploy on Vercel

The easiest way to deploy your Next.js app is to use the Vercel Platform from the creators of Next.js.

Check out our Next.js deployment documentation for more details.