A calmer way to prepare for rent
Set your rent target, fund it gradually, stay ahead of your deadline and settle when you're ready — without the last-minute scramble.
Rent Reserve
Sep 2026 – Aug 2027
Due in
68 days
Next Rent
₦1,200,000
Funded
₦936,000
Recommended pace
≈ ₦88,000 / month
Recent contributions
30 days to rent day
86% funded · ₦168,000 remaining
Built for one simple problem
Income arrives gradually.
Rent often doesn't.
The problem
Rent shouldn't become a financial emergency every year.
Your income may arrive every week or every month. Your rent may still arrive as one large obligation. RentReserve helps you bridge that gap before the deadline arrives.
Know what you owe
Create a rent obligation once and know exactly what's coming.
Fund it gradually
Contribute whatever amount works for you, as often as you like.
Settle before the deadline
When you're ready, settle the full obligation with one action.
Monthly income
Annual rent obligation
Rent Reserve
Active₦1,200,000
Sep 2026 – Aug 2027
Funded
₦936,000
Due
Aug 31, 2027
Recommended
₦88,000/mo
Funding history
The Rent Reserve
Turn one big payment into something you can prepare for.
Create a rent obligation once. Then contribute toward it whenever you can. The system tracks your progress, calculates your pace, and tells you exactly where you stand.
One obligation, many contributions
Every payment you make is tracked against the same rent target.
Deadline-aware from day one
The system always knows your due date and how much time remains.
Settle when ready
Once funded, settle the obligation in a single wallet-authorized action.
Fund it your way
You don't need one perfect payment.
Make one contribution, ten contributions, or whatever works for you. Every payment moves the same rent obligation forward. The system never loses track of where you stand.
Contribute ₦50k this month and ₦200k next month — it all counts.
No fixed schedule required. Contribute on your own terms.
Every contribution is linked to the same obligation and the same landlord.
Contributions toward one obligation
Rent Reserve
₦1,200,000
Your rent is due in 90 days
₦400,000 remaining
You're 67% funded. You have time — start building your reserve.
Smart reminders
A reminder that actually tells you what to do.
RentReserve considers your deadline and funding progress, so reminders can show what's left — not just that rent is due.
Your rent is due in 90 days
₦400,000 remaining
You're 78% funded
₦264,000 remaining
Your rent is due next month
₦168,000 remaining
Your rent is due in 7 days
₦80,000 remaining
Rent settled ✓
₦1,200,000
Pay ahead
When you're ready, settle early.
Once you've funded your rent, you don't have to wait for the deadline. Settle the obligation early and keep moving. The landlord sees confirmation immediately.
No waiting required
Reach 100% funding at any time and settle straight away.
Landlord sees it immediately
The settlement status updates for both parties at once.
Receipt generated automatically
A verifiable record is created for both the tenant and landlord.
Settlement timeline
Settled earlyRent fully funded
₦1,200,000
Aug 20 · 11 days before deadline
Obligation complete · Receipt available
Batch settlement
More than rent? Settle it together.
When multiple obligations belong together, review them in one place and settle them as a batch. One review, one wallet authorization, one record.
Upcoming obligations
2 selectedFor landlords
Know where the obligation stands.
See the status of an agreed rent obligation, watch the funding progress build in real time, receive settlement confirmation, and keep a clear verified record of payments.
Visibility without complexity
Landlords see funding progress without needing to understand wallets or blockchain.
Settlement confirmation
The moment the tenant settles, the landlord's view updates immediately.
Verifiable payment history
Every contribution and settlement is linked to a verifiable transaction.
Tenancy overview
PreparingPraise Francis
2-bedroom apartment · Lagos
Rent obligation
₦1,200,000
Due date
Aug 31, 2027
Verified payment activity
Awaiting full settlement · Due Aug 31, 2027
Authorization
Your money. Your authorization.
RentReserve is designed so users authorize financial actions through their wallet rather than handing the platform unrestricted control of their funds.
Non-custodial by design
Funds move through user-authorized wallet actions, not platform-controlled accounts.
Each action is explicit
Every contribution and settlement requires a direct wallet authorization from the user.
Soroban enforces the rules
The financial state lives in a smart contract — not just in a database.
How a contribution works
Tenant
Praise
Authorize
Fund Rent · ₦100,000
Soroban
Contract validates
Stellar
Settlement network
Settlement
Obligation updated
Tenant
Praise
Authorize
Fund Rent · ₦100,000
Soroban
Contract validates
Stellar
Settlement network
Settlement
Obligation updated
RentReserve is an experimental software prototype. It does not represent itself as a bank, lender, or licensed financial institution. Production financial activity will require appropriately licensed partners.
Under the hood
Programmable settlement, without the complexity.
RentReserve uses Stellar and Soroban to make rent obligations programmable, wallet-authorized and verifiable. The application handles the user experience; Soroban enforces the financial rules.
Programmable
Financial state follows explicit rules
The rent obligation's lifecycle — creation, funding, settlement — is enforced by a Soroban smart contract, not just application code.
Authorized
Users approve the actions that move their funds
Every funding and settlement action requires a direct wallet authorization. The platform cannot move funds without the user's explicit signature.
Verifiable
Settlement can be independently confirmed
Important settlement events are recorded on Stellar and can be verified via the network's public transaction history.
Architecture
On-chain
Obligation state
Contributions
Settlement
Events
Off-chain
User profiles
Notifications
Analytics
Documents
The goal isn't to change how rent works. It's to give people more time to prepare for it.
RentReserve product principle
The full lifecycle
From obligation to verified settlement.
Every rent obligation follows the same clear path — from creation through funding to final settlement.
Create
Define the obligation
Set the landlord, property, rent amount and due date. The obligation is the financial anchor for everything that follows.
Accept
Landlord approves
The landlord reviews and accepts the obligation. Both parties are now bound to the agreed terms.
Fund
Contribute gradually
Make contributions at any cadence. Each payment moves the funding progress forward.
Track
Stay deadline-aware
The system monitors your funding pace against the deadline and surfaces intelligent reminders.
Settle
Complete the obligation
When fully funded, settle the obligation with a wallet-authorized action. No waiting required.
Verify
Both parties have proof
The settled obligation is recorded on Stellar. A receipt is generated for tenant and landlord.
Features
Everything the obligation needs.
Gradual funding
Contribute toward the same rent target over time instead of starting from zero on rent day. Any amount, any cadence.
CoreDeadline-aware reminders
Know how much remains, how much time is left, and what contribution pace keeps you on track for your exact due date.
CoreEarly settlement
Reach your funding target before the deadline and settle whenever you're ready. The landlord receives confirmation immediately.
CoreShared contributions
Multiple authorized contributors can fund one obligation — roommates, family members, sponsors, and employers.
Coming soonBatch settlement
Review multiple approved obligations together and settle them in one wallet-authorized action.
Coming soonSmart scheduled funding
Authorize programmable monthly contributions with explicit spending limits, time constraints and a specific target obligation.
PlannedThe complete rent preparation loop.
Know
Know what you owe
Plan
Know when it's due
Prepare
Fund it gradually
Remember
Get reminded
Settle
Pay the balance
Verify
Both parties have proof
Security
Built around clear financial boundaries.
No fabricated certifications. No vague "military grade" claims. Three principles that actually govern how the product is designed.
User-controlled
Financial actions require explicit user authorization through their wallet. The platform does not hold or move funds independently.
Minimal on-chain data
Sensitive personal information — names, addresses, documents, contact details — stays in the application database, not on a public ledger.
Transparent settlement
Important financial state transitions happen on Stellar, where they can be independently verified by either party via the network explorer.
RentReserve is an experimental software and protocol product. It is not a bank, lender, deposit-taking institution or financial adviser. Production payment and custody functionality will depend on applicable regulatory requirements and appropriately licensed partners.
FAQ
Common questions.
If you have a question not covered here, the documentation and GitHub repository have more detail.
Get started
Your next rent is already coming.
Start preparing now.
Create your first rent reserve and turn a future payment into a plan.