FitsumAbebetamerat/Digital-Wallet-Back-end-Protype

Ethiopian Digital Wallet Backend — NBE compliant financial services platform # Ethiopian Digital Wallet Backend A production-grade financial services platform built with Next.js 16, TypeScript, and Prisma — adapted from the Ethiopian Digital Wallet Deployment Guide (originally Go 1.22.10 + PostgreSQL + Redis + Formance Ledger). ## Features ### Core Wallet System (13 API Endpoints) - User registration with FAYDA National Digital ID (16-digit FAN) - JWT (HS256) authentication - Wallet creation with double-entry ledger - Payment initiation with idempotency, circuit breaker, fee calculation - KYC verification (LEVEL_1 / LEVEL_2 per NBE Directive NPS/10/2025) - Card issuance (Ethiopay) - QR code generation (ETHQR) - Payment aliases - Dispute management - SHA-256 chained audit trail - NBE-compliant tier limits with strategic payment exemptions ### Admin Dashboard - **Overview** — live stats, health monitoring, actionable cards - **Call Center** — unified search, customer profile drill-down - **KYC Verification** — pending queue with approve/reject - **Users** — full user management with drill-down (FAYDA card, wallet, transactions, KYC, cards, disputes, audit) - **Wallets** — all wallet accounts - **Merchants** — merchant accounts, transactions, settlements, fee plans - **Transactions** — filterable transaction history - **Double-Entry Ledger** — trial balance, all ledger accounts - **Cards** — Ethiopay card management - **Disputes** — consumer protection queue - **Audit Trail** — SHA-256 chained logs with verification - **Fraud Alerts** — severity-coded alerts - **Payment Gateways** — 5 gateways (EthSwitch, Telebirr, M-Pesa, Chapa, Stripe) with circuit breaker failover - **Feature Flags** — runtime toggles - **NBE Compliance** — Directive NPS/10/2025 tier limits and exemptions - **API Engine** — configurable connections to MIFOS X, banks, payment gateways - **API Tester** — merchant API management with signature generation ### Finance Operations (21 Services) Customers, Posting Workflows, Account Lookup, Accounts, Authorizations, Deposit, Wi …