LendFlow Business Plan: P2P Stablecoin Lending Platform

Executive Summary

LendFlow is a peer-to-peer DeFi lending platform connecting yield-seeking USDC holders with borrowers needing quick loans. Our platform facilitates ETH-collateralized USDC loans, generating revenue through origination fees and yield spread. Target exit is acquisition by a major DeFi protocol or CeFi platform within 12-18 months.

Quick Stats

• Launch Timeline: 8 weeks to MVP
• Initial Target: USDC holders seeking yield + ETH holders needing USDC loans
• Initial Investment Needed: ~$80-100k
• Funds Available: <$100
• Target Exit: 12-18 months
• Initial Supported Assets: USDC (lending) + ETH (collateral)

90-Day Launch Plan

Week 1-3: Development Sprint

Week 1:
- Smart contract architecture design
- USDC/ETH price feed integration
- Set up monitoring infrastructure
- Start social presence

Week 2-3:
- Lending pool implementation
- Liquidation mechanism
- Frontend development
- Analytics integration

Week 4-5: Testing & Security

Week 4:
- Smart contract audit
- USDC integration testing
- Price feed validation
- Liquidation testing

Week 5:
- Legal review (focus on stablecoin regulations)
- Risk parameter tuning
- Community testing program
- Documentation completion

Week 6-8: Launch & Growth

Week 6-7:
- Whitelisted lender onboarding
- Initial liquidity provision
- Yield farming program setup
- Community building

Week 8:
- Public launch
- Dual marketing campaign (lenders/borrowers)
- Yield analytics dashboard
- Performance monitoring

Core Product Features (MVP)

1. Smart Contract Architecture

   • USDC lending pools
   • ETH collateralization (150%)
   • 30-day fixed terms
   • Automated liquidation
   • Price feed integration
   • Emergency pause

2. Frontend Features

   • Lender dashboard (deposit USDC, track yield)
   • Borrower interface (lock ETH, borrow USDC)
   • Real-time APY calculator
   • Liquidation risk monitor
   • Portfolio analytics

Dual-Sided Growth Strategy

1. Lender Acquisition

   • Target USDC holders
   • Competitive fixed APY (10-15%)
   • Clear yield metrics
   • Pool utilization dashboard
   • Referral program (2% of earnings)

2. Borrower Acquisition

   • Target ETH holders
   • Instant USDC loans
   • Transparent terms
   • Competitive rates
   • No KYC required

Initial Parameters

Minimum Deposit: 100 USDC
Maximum Loan: 5,000 USDC
Collateral Ratio: 150%
Loan Duration: 30 days
Lender APY: 10-15%
Borrower APR: 15-20%
Platform Fee: 2% (1% each side)

Revenue Model

1. Fee Structure

   • Lender deposit fee: 1%
   • Borrower origination fee: 1%
   • Interest spread: 5%
   • Liquidation fee: 2.5%

2. Projected Revenue (Monthly)

Month 1: $20,000
Month 3: $200,000
Month 6: $1,000,000

Technical Implementation

1. Smart Contract Stack

Language: Solidity 0.8.x
Chain: Ethereum + Polygon
Price Feeds: Chainlink
Monitoring: Tenderly + Dune
Testing: Hardhat + Foundry

2. Frontend Stack

Framework: Next.js
Web3: ethers.js
Analytics: Segment
Hosting: Vercel
Monitoring: Sentry

Risk Management

1. Smart Contract Security

   • USDC integration audit
   • Price feed redundancy
   • Liquidation testing
   • Emergency shutdown
   • Rate limiting

2. Market Risk

   • Conservative LTV ratio
   • Liquidation buffer
   • Price feed validation
   • Pool size limits
   • Utilization caps

Growth Metrics

1. Lender Metrics

   • Total USDC deposited
   • Number of active lenders
   • Average deposit size
   • Yield performance
   • Retention rate

2. Borrower Metrics

   • Active loans
   • ETH collateral locked
   • Repayment rate
   • Liquidation rate
   • Repeat borrowers

Resource Requirements

1. Core Team

Smart Contract Developer: $12k/month
Frontend Developer: $10k/month
Growth Lead: $8k/month
Community Manager: $5k/month

2. Infrastructure

Development Tools: $1,000/month
Security Monitoring: $2,000/month
Analytics: $500/month
Marketing: $5,000/month

6-Month Roadmap

Month 1: MVP Launch
- USDC/ETH implementation
- Basic lending/borrowing
- Simple dashboard

Month 2: Growth Phase
- Yield optimization
- Referral program
- Analytics dashboard

Month 3: Platform Enhancement
- Additional pool durations
- Advanced analytics
- Risk management tools

Month 4: Scaling
- Layer 2 deployment
- Automated strategies
- Portfolio management

Month 5: Market Expansion
- Additional markets
- Institutional features
- Advanced yield strategies

Month 6: Exit Preparation
- Documentation
- Performance metrics
- Acquisition outreach

Success Metrics

1. 3-Month Goals

   • $10M TVL in USDC
   • 5,000 active users
   • <1% default rate
   • 10% average APY

2. 6-Month Goals

   • $50M TVL in USDC
   • 20,000 active users
   • <0.5% default rate
   • 12% average APY

Next Steps (24 Hours)

1. Technical

   • Initialize USDC contract integration
   • Set up price feed monitoring
   • Create basic pool contract
   • Deploy test environment

2. Business

   • Register domain
   • Create pitch deck
   • Start documentation
   • Plan marketing strategy

3. Community

   • Create Twitter/Discord
   • Write launch announcement
   • Design basic branding
   • Plan influencer outreach