eddgachi/fastapi-ussd-wallet-service

Umoja Loans is a USSD-based digital lending platform that enables instant loan applications and disbursements through simple mobile dialing, making financial services accessible to both smartphone and feature phone users across Africa. # Umoja Loans API A robust FastAPI-based backend for a micro-lending platform, featuring USSD integration via Africa's Talking, M-Pesa payment processing, and a comprehensive admin dashboard. This platform enables instant loan applications and disbursements through simple mobile dialing, making financial services accessible to both smartphone and feature phone users across Africa. ## 🌟 Key Features ### Core Lending Capabilities - **Complete Loan Lifecycle Management**: End-to-end processing from application to repayment - **Intelligent Credit Scoring**: Dynamic risk assessment and personalized loan limits - **Multi-purpose Loans**: Support for emergency, business, education, and personal loans - **Digital Wallet System**: Virtual wallet management for loan balances and transactions ### USSD Accessibility - **Africa's Talking Integration**: Seamless USSD gateway integration for feature phone users - **Interactive Menu System**: Multi-level USSD menus with intuitive navigation - **Session Management**: Robust session handling with timeout protection - **Real-time Processing**: Instant loan eligibility checks and application submission ### Payment Processing - **M-Pesa Daraja API**: Secure integration for loan disbursements and repayments - **STK Push & B2C Payments**: Multiple payment channel support - **Automated Reconciliation**: Payment matching and transaction verification - **Webhook Handling**: Real-time payment confirmation callbacks ### Performance & Security - **Intelligent Caching**: Memcached integration for optimized read-heavy endpoints - **Rate Limiting**: Redis-backed protection against API abuse using `slowapi` - **Background Processing**: Celery task queue for asynchronous operations - **Comprehensive Monitoring**: Health checks, logging, and performance metrics ### Administrative Features - **RESTful Admin API**: Complete management of users, loans, wallets, and transactions - **Advanced Filtering**: Pagination, search, and filtering capabilit …