2.3 System Architecture

TrustBridge is built on Blend v2 over the Stellar blockchain. It enables isolated, programmable, and risk-managed lending pools.

Core Components

Isolated Lending Pools

• Each pool is independent

• Risk is contained per pool

Backstop Reserve

• Formed by 20% of lender deposits and 100% of borrower collateral

• Covers shortfalls on defaults

Collateralized Loans

• Borrowers must deposit XLM before receiving USDC

• Collateral is locked and used for liquidation if needed

Risk Engine (Blend-native)

• Monitors pool health, repayment rate, utilization

• Freezes pool if thresholds are crossed

TRBT Token (Reputation)

• Non-transferable score based on behavior

• Used to gate access to higher-quality pools