AminuATG/Finora-Pay

Programmable income wallet for African freelancers # Finora Pay Finora Pay is a programmable income wallet designed for African freelancers to receive global payments in USDC and automatically structure income into spending, savings, and investment. --- ## Core Innovation: Smart Income Routing (SIR) Finora Pay introduces Smart Income Routing - a system that automatically splits every incoming payment into: - Spend Wallet - Save Vault - Invest Pool Example: $100 received → $70 Spend → $20 Save → $10 Invest No manual budgeting. No extra steps. Income arrives already structured. --- ## Problem Freelancers in Africa face: - Slow settlement (2–5 days) - High transaction fees (5–15%) - No structured way to manage income Result: Even when income is global, financial management remains manual, fragmented, and inefficient. --- ## Solution Finora Pay bridges global payments with structured financial behavior: - Receive USDC instantly - Automatically allocate income - Access local liquidity through P2P --- ## Why It Matters Stablecoins fix how money moves. Finora Pay fixes what happens after money arrives. Instead of manually splitting income, users get: - Automatic budgeting - Built-in savings discipline - Continuous wealth accumulation Income becomes structured by default not by effort. --- ## Product Preview ### Dashboard (Smart Income Routing) ### Swap USDC → NGN ### Swap Confirmation ### P2P Trading --- ## MVP Features - USDC receive (QR + wallet) - Smart Income Routing (auto split) - Spend / Save / Invest balances - P2P trading interface - Simulated withdrawal --- ## Tech Stack - Solana (fast, low-cost transactions) - USDC (stable global payments) - Frontend: Web app (Netlify) - P2P module with escrow logic (simulated) --- ## Use Case Designed for: - Freelancers earning globally - Remote workers paid in crypto - African users needing local liquidity (NGN) --- ## Live Demo 👉 finorapay.netlify.app (Test the full flow: Receive → Auto-split → Swap → P2P) --- ## Vision F …