LendPayA Move-native credit rail for real Initia app usage

Judge Quick Scan ​

• LendPay is a credit infrastructure layer for Initia apps, not a generic lending UI.
• The live story is simple: connect, analyze, request credit, get approved, use the funded balance through the reference demo app route, and repay.
• The Initia-native proof is visible and defensible: InterwovenKit, .init usernames, session UX, and a dedicated MiniMove rollup.
• The fastest supporting pages are Hackathon Readiness, Scoring Criteria, and Testnet Evidence.

What You Will Find Here ​

• product and architecture docs for the LendPay stack
• quickstart steps for local development
• frontend, backend, and Move package references
• API and environment documentation
• testnet deployment and proof references

Stack Overview ​

LendPay combines:

• a React frontend for borrower onboarding, requests, repayment, rewards, and ecosystem views
• a Go backend for wallet auth, scoring, mirrored state, and operator actions
• a Move package for protocol execution on a MiniMove rollup

Why It Fits Initia ​

• It uses InterwovenKit as the actual wallet and transaction layer, not as a badge in the README.
• It makes .init identity part of borrower trust and product readability.
• It keeps credit, receipts, and repayment on a dedicated rollup instead of reducing the hackathon entry to a mock frontend.
• It treats bridge support honestly by surfacing route truth and current preview status instead of overselling incomplete liquidity paths.
• It shows the current spend target through a reference demo app integration while keeping the underlying credit flow live and verifiable.

Core Borrower Flow ​

1. Connect wallet with InterwovenKit.
2. Refresh borrower profile and score.
3. Request credit for an Initia app.
4. Approve and fund the request.
5. Use the funded balance in the reference demo app route.
6. Repay on schedule and improve reputation.