CRE-Debt-Solana Platform

A decentralized platform for commercial real estate equity access on Solana. This platform enables property owners to access up to 90% of their property equity through blockchain-based secured debt instruments.

🏢 Project Overview

The CRE-Debt-Solana platform bridges traditional commercial real estate finance with DeFi by offering:

• Higher LTV ratios (up to 90%) compared to traditional 65-75% caps
• Faster processing through blockchain automation
• Stablecoin (USDC) disbursements for immediate utility
• Structured as pure debt instruments to avoid securities classification
• Full compliance with legal requirements through UCC filings and KYC/AML

🏗️ Architecture

The platform consists of three main components:

1. Smart Contracts: Solana programs written in Rust using the Anchor framework that handle loan origination, servicing, and management.
2. Backend API: Node.js services that manage off-chain data, property valuation, document generation, and interface with the blockchain.
3. Frontend Application: React-based user interface for property owners to access the platform.

🚀 Getting Started

Prerequisites

• Rust
• Solana CLI
• Anchor
• Node.js (v16+)
• Yarn

Installation

1. Clone the repository

git clone https://github.com/yourusername/cre-debt-solana.git
cd cre-debt-solana

2. Install dependencies

# Install smart contract dependencies
cd programs/loan-core
cargo build

# Install frontend dependencies
cd ../../app
yarn install

# Install backend dependencies
cd ../api
yarn install

3. Configure environment

# Copy environment template files
cp .env.example .env

Running Locally

1. Start local Solana validator

solana-test-validator

2. Deploy smart contracts

anchor deploy

3. Start backend API

cd api
yarn start

4. Start frontend application

cd app
yarn start

📖 Documentation

• Architecture Overview
• Smart Contract Specification
• API Documentation
• User Guide
• Development Guide

🧪 Testing

# Run smart contract tests
anchor test

# Run backend tests
cd api
yarn test

# Run frontend tests
cd app
yarn test

🛣️ Roadmap

Phase 1: MVP (Hackathon)

• Core loan origination and servicing functionality
• Basic borrower dashboard
• Property submission and valuation
• UCC filing integration

Phase 2: Institutional Lender Integration

• Lender marketplace for institutional capital
• Advanced risk assessment models
• Loan syndication features
• Secondary market for loans

Phase 3: Advanced Features

• Cross-chain integration
• Advanced treasury management
• Automated compliance monitoring
• Market analytics and reporting

💼 Legal and Regulatory Compliance

The platform is designed to comply with relevant regulations:

• Wyoming registration for smart contract recognition
• UCC-1 filings for secured interests
• KYC/AML compliance built-in
• Structured as pure debt instruments to avoid securities classification

👥 Team

• [Name] - Project Lead / Financial Expert
• [Name] - Smart Contract Developer
• [Name] - Backend Developer
• [Name] - Frontend Developer
• [Name] - Full-stack Developer

📄 License

This project is licensed under the MIT License