ReFlow

ReFlow is a blockchain-powered secondary market that brings liquidity to P2P lending investments.

THE PROBLEM

P2P lending investments suffer from severe liquidity issues:

• Funds locked for 6-12 months until loan maturity

• No exit strategy when emergency cash is needed

• Zero secondary market to sell existing positions

THE SOLUTION

ReFlow tokenizes P2P loan assets into tradeable ERC-20 tokens, enabling:

• Instant Liquidity: Sell your investment anytime and receive USDT instantly

• 1:1 USDT Peg: Stable pricing with no slippage

• On-Chain Transparency: Every transaction recorded permanently on blockchain

• Non-Custodial: Funds controlled by smart contracts, not middlemen

HOW IT WORKS

1. Restock (Source) → Lenders invest in loan products from Restock.id

2. Tokenization → Loans converted to ERC-20 tokens (1 token = 1 USDT)

3. Trade → Sell tokens anytime on ReFlow marketplace

4. Exit/Entry → Sellers get instant liquidity, buyers earn remaining yield

TWO INVESTMENT MODES

• Self-Manage: For active investors who pick specific products

• Managed: For beginners with auto-diversification by fund managers

BUILT WITH

• Network: Mantle Sepolia (low fees, high throughput)

• Partner: Restock.id - Indonesia's leading OJK-licensed P2P platform

BUSINESS MODEL

• Trading Fee: 0.5% fee per transaction on secondary market

• Premium Features: Managed portfolio subscription for passive investors

• Partnership Revenue: Revenue share with P2P lending platforms

ROADMAP

• Q1 2025: MVP Launch on Mantle Testnet ✅

• Q2 2025: Mainnet deployment & Restock.id integration

• Q3 2025: Additional P2P platform partnerships

• Q4 2025: Cross-chain expansion & mobile app

LINKS

• Live Demo: https://reflow.vercel.app

• GitHub: https://github.com/ReFloww

• Pitch Deck: https://www.figma.com/slides/CKFxsRQZXyMuRu9LBBRK7m

• Documentation: https://app.gitbook.com/invite/EpKbnjt1qSlQbI2Mjysp/cbWApBLcRJWKgVkhXtEZ

• One Pager: https://www.figma.com/proto/6zz2ugX71Ro6JSBzIQzc1N/reflow?node-id=165-74&p=f&t=EEBAwfVxK8CtDMMV-0&scaling=contain&content-scaling=fixed&page-id=94%3A208

• Builder Story Video: https://x.com/iamAlbary/status/1997278719040508306

SMART CONTRACTS (Mantle Sepolia)

• Swap Router: https://sepolia.mantlescan.xyz/address/0x5fd6dfd2a3e4fafe82ee6e9d7a228f2c395ef05e

• USDT Mock: https://sepolia.mantlescan.xyz/address/0xe01c5464816a544d4d0d6a336032578bd4629F10

• Factory Manager Investment: https://sepolia.mantlescan.xyz/address/0x7f64534784e7c4ec5fbbdd106afa3ba2546b89e2

• Factory P2P: https://sepolia.mantlescan.xyz/address/0x757dd6184673cF9B33674d2C96E653fa9db32C32

COMPLIANCE NOTE

This project involves regulated P2P lending assets. ReFlow partners with Restock.id, an OJK-licensed P2P lending platform in Indonesia. KYC verification is integrated for user compliance. Current demo operates on testnet.