Lumen Later

A decentralized Buy Now Pay Later protocol built on Stellar blockchain, enabling flexible payments for users and instant settlements for merchants.

How It Works

Shop at participating merchants and choose Lumen Later as your payment method. Pay using your available credit limit backed by LP token collateral.

Merchants receive instant payment from the liquidity pool. No waiting for settlement, no chargebacks, just instant USDC.

Users repay their loans over time with flexible terms. LP providers earn yield from interest payments.

No centralized authority. Smart contracts handle everything from credit assessment to payment distribution automatically.

Merchants receive payments instantly from the liquidity pool. No waiting days or weeks for bank settlements.

Users lock LP tokens as collateral to access credit. The more you provide to the protocol, the more you can borrow.

Liquidity providers earn yield from loan interest. A sustainable model that benefits all participants.

Connect your Stellar wallet to explore the protocol

You'll need a Stellar wallet like Freighter to interact with the protocol. Don't have one? Get Freighter

The Lumen Later protocol supports three types of participants. Connect your wallet to get started.

Access flexible payment options for your purchases

Offer Lumen Later to customers and get paid instantly

Earn yield by providing USDC to the protocol

Join the future of decentralized finance on Stellar. Whether you're a user, merchant, or liquidity provider, there's a place for you.

Connect your wallet above to begin 👆