Aura Credit

Dynamic Risk-Priced Credit Infrastructure for the Stellar Ecosystem

Architecture

aura-contracts/    # Soroban smart contracts (Rust)
aura-backend/      # Risk engine & Horizon listener (Go)
aura-frontend/     # Dashboard UI (React/TypeScript)

Soroban Smart Contracts

cd aura-contracts
cargo build --target wasm32-unknown-unknown

Core methods in lib.rs:

• open_credit_line(borrower, initial_limit, initial_bps) - Initialize credit line
• draw_credit(borrower, amount) - Draw against credit limit
• repay_credit(borrower, amount) - Make payments
• update_risk_parameters(borrower, new_limit, new_bps, new_score) - Oracle-only risk updates

Backend

cd aura-backend
go run main.go

Frontend

cd aura-frontend
npm install
npm run dev

Deployment

docker-compose up -d

Risk Engine Factors

1. Transaction Velocity - Number of transactions over time
2. Revenue Streams - Volume of verified inflows
3. Repayment History - Past payment behavior
4. Identity Verification - Identity Bond Protocol attestation