Idea Bank
Build something worth shipping.
Ten briefs organized the way Stellar is actually moving: RWA finance, PayFi, agentic commerce, privacy, and cross-border infrastructure. Each one is a contract plan, not a slogan.
Ten Stellar briefs, from a first contract to a demo.
- 01Advanced
RWA Credit Line
RWA × DeFi/RWA Finance
Borrow stablecoins against a yield-bearing asset instead of selling it.
- Soroban
- SAC
- USDC
- Oracle
- 02Advanced
PayFi Invoice Market
PayFi × RWA/PayFi
Turn a 60-day invoice into cash today, and yield for the pool that funded it.
- Soroban
- USDC
- SAC
- 03Advanced
Private Payroll
ZK × Payments/Privacy + Compliance
Settle salaries on Stellar without publishing every employee’s pay.
- Soroban
- USDC
- BN254
- Poseidon
- 04Intermediate/Advanced
Agent Wallet
Agentic Payments/Agentic Commerce
AI agents that can spend money, without unlimited access.
- Soroban
- USDC
- x402
- MPP
- 05Intermediate
API Marketplace for AI Agents
Agentic Commerce/Agentic Commerce
An app store where an agent discovers an API and pays per request.
- Soroban
- USDC
- x402
- MPP
- 06Beginner/Intermediate
Global Freelancer Escrow
Payments × Stablecoins/PayFi
Milestone escrow in USDC, without a marketplace holding the funds.
- Soroban
- USDC
- 07Intermediate
Yielding Merchant Treasury
Payments × DeFi/Financial Infrastructure
Keep the cash a business needs. Put the rest to work, and pull it back before payroll.
- Soroban
- USDC
- Blend
- DeFindex
- 08Intermediate
Universal RWA Portfolio
RWA × Consumer Finance/RWA Finance
A wealth account made of tokenized assets, labeled like a balance sheet.
- Soroban
- SAC
- USDC
- 09Advanced
Proof-of-Compliance Passport
ZK × Identity × RWA/Privacy + Compliance
Prove KYC, age, and jurisdiction without handing every protocol a passport.
- Soroban
- BN254
- Poseidon
- 10Advanced
Autonomous Cross-Border Treasury Agent
AI × Payments × FX/Financial Infrastructure
The agent proposes the payment. Soroban decides whether it may execute.
- Soroban
- USDC
- x402
- MPP