Turn locked P2P loans into tradeable tokens. Exit anytime, instant USDT.
ReFlow is a blockchain-powered secondary market that brings liquidity to P2P lending investments.
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
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
Restock (Source) → Lenders invest in loan products from Restock.id
Tokenization → Loans converted to ERC-20 tokens (1 token = 1 USDT)
Trade → Sell tokens anytime on ReFlow marketplace
Exit/Entry → Sellers get instant liquidity, buyers earn remaining yield
Self-Manage: For active investors who pick specific products
Managed: For beginners with auto-diversification by fund managers
Network: Mantle Sepolia (low fees, high throughput)
Partner: Restock.id - Indonesia's leading OJK-licensed P2P platform
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
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
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
Builder Story Video: https://x.com/iamAlbary/status/1997278719040508306
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
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.