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LancePay 💸

Instant international payments for Nigerian freelancers — powered by Stellar and stablecoins.

LancePay enables freelancers to receive payments from global clients in minutes, not days, with fees under 1%. Blockchain complexity is completely abstracted — users see invoices, balances, and bank withdrawals, nothing else.

🎯 What We're Building

A fintech platform that solves the biggest pain point for Nigerian freelancers: receiving international payments quickly and cheaply.

The Problem

  • Traditional payment methods (PayPal, Wise) have high fees (5-10%) and slow settlement (3-7 days)
  • Nigerian freelancers lose significant portions of their earnings to fees and exchange rate markups
  • Crypto solutions are too complex for non-technical users

Our Solution

  • Create invoice → Get shareable payment link
  • Client pays → Card payment converts to USDC on Stellar
  • Instant settlement → Funds arrive in 3-5 seconds
  • Withdraw to bank → Convert to NGN via Yellow Card, instant bank transfer
  • Keep 99%+ of earnings → Fees under 1%

Zero crypto knowledge required — users never see wallets, private keys, or blockchain jargon.

🛠️ Tech Stack

  • Frontend: Next.js 16 (App Router), React 19, Tailwind CSS v4
  • Backend: Next.js API routes, Prisma ORM, PostgreSQL (Neon)
  • Authentication: Privy (OAuth + embedded Stellar wallets)
  • Blockchain: Stellar Network (USDC stablecoin)
  • Payments: MoonPay (on-ramp), Yellow Card (off-ramp to Nigerian banks)
  • Email: Resend

🌟 Why Stellar?

  • ✅ 3-5 second settlement with fees <$0.01
  • ✅ Yellow Card integration — Direct off-ramp to Nigerian banks in 20+ African countries
  • ✅ 475,000+ on/off-ramp access points worldwide
  • ✅ Battle-tested — Used by MoneyGram, Onafriq, and major African payment providers
  • ✅ Lower costs — ~$0.75 per wallet (XLM reserves) vs building custom infrastructure

📁 Project Structure

├── app/              # Next.js app router (pages & API routes)
├── components/       # Reusable UI components
├── lib/              # Utilities, configs, and helpers
├── hooks/            # Custom React hooks
├── prisma/           # Database schema and migrations
├── docs/             # Technical documentation
└── public/           # Static assets

📖 Documentation

For contributors and developers:

🔄 How It Works

Payment Flow

1. Freelancer creates invoice → Unique payment link generated
2. Client opens link → No account needed
3. Client pays via card → MoonPay converts to USDC on Stellar
4. Payment arrives → Freelancer's embedded wallet (3-5 seconds)
5. Email notification → Freelancer sees balance update
6. Freelancer withdraws → Yellow Card converts USDC → NGN
7. Funds arrive → Nigerian bank account (instant)

Technical Flow

Client Card Payment
    ↓
MoonPay (Fiat → USDC on Stellar)
    ↓
Freelancer's Stellar Wallet (Privy embedded)
    ↓
Yellow Card API (USDC → NGN)
    ↓
Nigerian Bank Account

Key Benefits:

  • Freelancers keep 99%+ of earnings (fees <1%)
  • Payments arrive in minutes, not days
  • No crypto knowledge required — just invoices and bank transfers

📄 License

This project is proprietary. All rights reserved.

Built with ❤️ for Nigerian freelancers.

🕰️ Cron Jobs

This project uses Vercel Cron Jobs to automate maintenance tasks.

Auto-Cancellation of Overdue Invoices: Runs daily at 2:00 AM UTC (0 2 * * *). It automatically cancels unpaid invoices that meet the following criteria:

  • Status: Pending
  • Due Date: More than 90 days ago
  • Exclusions: Invoices with active escrow, active disputes, or doNotAutoCancel: true are never auto-cancelled.

To manually test the auto-cancellation cron locally, run:

curl -H "Authorization: Bearer YOUR_CRON_SECRET" http://localhost:3000/api/cron/cancel-overdue-invoices