1.2 Overview

📌 Overview

TrustBridge is a decentralized peer-to-peer lending platform purpose-built for Latin America. It combines the security and transparency of blockchain with a simplified user experience and an on-chain reputation system. TrustBridge empowers real people—freelancers, entrepreneurs, and everyday users—to access and provide microloans without intermediaries, using Blend as its core infrastructure.

🎯 Mission

To unlock inclusive financial access across Latin America by removing traditional barriers and enabling trustless, transparent lending between individuals.

🌍 Vision

To become the most trusted protocol for decentralized lending in emerging markets—where users can access wallet-to-wallet loans with clear rules, guaranteed protections, and a path to long-term financial reputation.

🧱 Core Principles

• 🔍 Transparency: All activity is verifiable on the Stellar blockchain. No black boxes.

• 🔐 Security: Funds are protected through smart escrow contracts and a collective backstop reserve.

• 🧭 Simplicity: Designed for first-time crypto users. Clear UI, no jargon, 100% in Spanish.

• 🌎 Accessibility: Open to any wallet. No KYC, no bureaucracy, no banks.

• ⭐ Reputation First: Responsible behavior is rewarded through the TrustBridge Token (TRBT).

⚙️ Core Components

• User Wallets: All interactions are non-custodial. You keep control of your funds at all times.

• Blend Smart Pools: Liquidity pools deployed via Blend v2, with automated interest, collateral, and backstop logic.

• Backstop Mechanism: A percentage of deposits and borrower collateral go into a safety reserve to cover defaults.

• Reputation System (TRBT Token): On-chain score that grows as you use the platform responsibly. Higher scores unlock better pools.

• Risk Engine: Powered by Blend, each pool is evaluated as Low, Medium, or High risk. Pools may be auto-frozen under certain risk thresholds.