lumio-contracts

The trust layer. Soroban smart contracts on Stellar that put a savings group's ledger on-chain: pooled contributions, governance, payouts, and votes become visible to every member and provable by the chain.

Part of Lumio — an open-source cooperative finance platform for savings groups, cooperatives, and community investment clubs (ajo, esusu, chamas, table-banking groups, SACCOs).

⚠️ Scaffold / pre-audit. These contracts expose minimal stub logic so the workspace builds and tests green. They are not complete, not audited, and must not custody real funds. Full logic lands in a later phase.

Contracts

Contract	Status	Responsibility
treasury	Build first — "live, tested"	Holds pooled funds, records contributions/withdrawals.
governance	Build second	Proposal creation, member voting rules.
dividends	Build third	Calculates and distributes payouts to members.
voting	Build fourth	Vote casting/tallying logic used by governance.

Each contract is an independent crate under contracts/, sharing one Cargo workspace.

Requirements

• Rust (stable) with the wasm32-unknown-unknown target — see rust-toolchain.toml.
• soroban-sdk 27.x (pinned in the workspace).
• Optional: the Stellar CLI for deploys.

Getting started

# from a fresh clone — no other setup needed
cargo build --workspace      # or: make build
cargo test  --workspace      # or: make test

Other shortcuts (see Makefile):

make fmt          # format
make fmt-check    # verify formatting (what CI runs)
make wasm         # optimized wasm for every contract

Layout

lumio-contracts/
├── contracts/
│   ├── treasury/   { src/lib.rs, src/test.rs, Cargo.toml }
│   ├── governance/
│   ├── dividends/
│   └── voting/
├── Cargo.toml            # workspace root
├── Makefile              # build/test/fmt/wasm shortcuts
├── rust-toolchain.toml
└── .github/workflows/ci.yml

License

Apache-2.0.