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
