Stablecoin yield aggregator on Stellar, built for emerging market savers.
Meridian is a savings dashboard that surfaces live USDC yields across Blend and DeFindex on the Stellar network and builds the deposit transactions your own wallet signs. Its goal is to route deposits to the highest-yielding vault automatically. It targets users in West Africa and other emerging markets where dollar-denominated savings yield meaningful real returns compared to local currency alternatives.
Submitted to the Drips Stellar Wave Program.
Meridian is a testnet technical preview, not a finished product. Be clear-eyed about what exists today before depositing real funds (you can't yet — mainnet is not wired).
Working today (testnet)
- Live APY / TVL feed across Stellar stablecoin pools (via DeFiLlama) with a risk heuristic
- Non-custodial signing flow: the API builds an unsigned Soroban XDR, your wallet (Freighter) signs and submits it — keys never leave the browser
- Direct deposit / withdraw against a real Blend pool: funds supply straight into Blend from your wallet and the resulting bToken position is yours — no Meridian-controlled custody
- Live position reads from the Blend pool and (when a DeFindex vault is configured) DeFindex vault — current supplied value
- Best-rate routing: the API recommends the highest-APY vault it can actually deposit into, skipping display-only protocols and pools flagged risky
MeridianVaultSoroban contract (ERC-4626-style share accounting hardened against the first-depositor inflation attack, pause + admin-rotation rails) with unit tests — reserved for the v2 single-transaction rebalancing router
In progress — the core promise is not finished
- Direct deposit/withdraw against real DeFindex vaults — transaction builders are implemented; gated behind
DEFINDEX_VAULT_IDuntil a real testnet vault is wired - Per-position yield earned (cost-basis tracking for direct Blend/DeFindex positions)
- Mainnet configuration and a security audit before any real-funds use
Until a DeFindex vault is configured, the DeFindex deposit path throws a configuration error rather than silently routing elsewhere. Track progress in the Roadmap and open issues.
Inflation in many West African economies regularly exceeds 20 % annually. Access to USD savings accounts is limited by KYC friction and minimum balances. Stellar's low fees (< $0.01/tx), fast finality (5s), and USDC availability make it an ideal rails layer. Meridian removes the final UX barrier: users connect a wallet, see live APY across protocols, and deposit in three clicks.
meridian/
├── apps/
│ ├── web/ # Vite + React 19 dashboard (TypeScript, Tailwind, Zustand)
│ ├── api/ # Fastify REST API (local dev): builds Soroban txs, aggregates APY
│ ├── docs/ # Internal architecture and operations docs
│ └── landing/ # Marketing landing page
├── packages/
│ ├── stellar-sdk-helpers/ # Blend & DeFindex client wrappers
│ ├── shared/ # Zod schemas, constants, pure utils
│ └── contracts/ # Soroban smart contracts (Rust)
└── scripts/ # Deploy helpers for testnet / mainnet
This is a pnpm + Turborepo monorepo. All packages are TypeScript-first with strict mode enabled.
User browser
└─► Vite + React frontend
└─► Vercel Serverless Functions (builds unsigned XDR)
├─► Blend Protocol (pool data + deposit tx)
└─► DeFindex Protocol (vault data + deposit tx)
│
Stellar RPC (Soroban)
In production, API routes are Vercel serverless functions (api/v1/...). The Fastify server in apps/api is used for local development only.
The API never holds private keys. It builds an unsigned Soroban transaction, returns the XDR, and the frontend forwards it to the user's wallet (Freighter) for signing and submission. See docs/signing-flow.md for the full sequence diagram and endpoint reference.
| Layer | Technology |
|---|---|
| Frontend | Vite 8, React 19, Tailwind CSS, Zustand, TanStack Query |
| Backend (prod) | Vercel Serverless Functions, Zod validation |
| Backend (local) | Fastify |
| Blockchain | Stellar Soroban, @stellar/stellar-sdk v12 |
| Protocols | Blend Capital, DeFindex |
| Contracts | Rust / Soroban SDK |
| Monorepo | pnpm workspaces, Turborepo |
| CI | GitHub Actions |
- Node.js ≥ 20
- pnpm ≥ 9 (
npm i -g pnpm) - Rust +
wasm32-unknown-unknowntarget (for contracts) - Stellar CLI (
cargo install stellar-cli)
git clone https://github.com/drydocs/meridian.git
cd meridian
pnpm installcp .env.example .env
# Set DEFINDEX_VAULT_ID if you have a DeFindex vault configured; leave empty otherwise# Start API + web in parallel
pnpm dev- Web: http://localhost:3000
- API: http://localhost:3001
- Health: http://localhost:3001/health
pnpm testpnpm buildBlend is a permission-less lending protocol on Stellar. Meridian reads pool APY from Blend's on-chain pool data entries and builds deposit/withdraw transactions via Soroban contract invocations. See packages/stellar-sdk-helpers/src/blend.ts.
DeFindex is a yield-strategy vault protocol on Stellar that composes multiple yield sources behind a single share token. Meridian treats each DeFindex vault as a single aggregated position. See packages/stellar-sdk-helpers/src/defindex.ts.
We welcome contributions. See open issues for a range of tasks across TypeScript, Rust/Soroban, and UI.
- Fork the repo and create a feature branch:
git checkout -b feat/your-feature - Follow the existing code style (no comments unless WHY is non-obvious)
- Run
pnpm lint && pnpm typecheck && pnpm testbefore opening a PR - Reference the relevant GitHub issue in your PR description
Issues are tagged good first issue, medium, and hard. Pick your level.
Non-custodial USDC deposits into Blend and DeFindex vaults on Stellar testnet. Freighter wallet connects in one click, the best-rate vault is selected automatically, and the signed transaction never leaves the browser. Live APY and TVL across protocols with risk-tier labelling. Withdraw at any time, no lock-up.
Per-position yield tracking with a cost-basis model so users see their actual earnings, not just current balance. A yield history chart broken down by protocol, entry time, and cumulative earned. Position-level analytics that work whether funds are in Blend, DeFindex, or split across both.
A Soroban router contract that rebalances between vaults in one atomic transaction. No manual withdraw-then-deposit cycle: when a better rate appears, funds move in a single ledger close. Auto-rebalancing triggers with user-defined APY thresholds. The groundwork for supporting new protocols without UI changes.
Third-party security audit, mainnet deployment, and a production-grade rate-limit and caching layer that handles real user load. French and English localisation to open the product to West African users who are not comfortable in English. Mobile-first UI pass targeting low-end Android devices common in the target market.
MIT