melonadawit/apexpay

The best and the most powerful payment getway in Ethiopia. # ApexPay **The all-in-one financial operating system for Ethiopia.** ApexPay is an AI-native, API-first platform that unifies **payments**, a real-time **double-entry General Ledger**, **workforce & payroll**, **procurement/AP**, **inventory**, **tax**, **FX**, **budgeting**, and a role-scoped **AI assistant** — all under one compliant, Ethiopia-native core. > **Setup & operations:** see `docs/RUNBOOK.md`. > **Architecture:** see `docs/SAD.md`. > **Design:** see `docs/SDD.md`. > **Investor overview:** see the ApexPay investor deck (PDF). --- ## Why ApexPay - **Complete platform, not a feature.** 43 business modules share one ledger, so a sale, a payroll run, a vendor invoice, and a tax payment all reconcile automatically. - **AI assistant built in.** A role-scoped Apex Assistant (RAG + tool-calling agents) answers finance, inventory, and payroll questions for merchants, employees, vendors, and employers — in English and Amharic. - **Lighter than legacy accounting.** Real-time, API-first, Postgres-native GL — not a heavyweight desktop QuickBooks-style product. - **Ethiopia-native compliance.** NBE ONPS/10/2025, ET income-tax brackets, pension 7%/11%, VAT/TOT, Fayda ID verification, Ethiopian calendar, labour proclamation 1156/2019. - **Production-grade.** 10/10 CI gates green, including a 29-section end-to-end smoke suite. --- ## Repository Layout ``` apexpay/ ├── services/api/ # Go API core (single money engine) │ └── internal/ │ ├── ledger/ # double-entry GL (ValidateBalanced, advisory locks) │ ├── accounting/ # journal entries, fiscal close, reports │ ├── payment/ # initialize / 2FA / verify + ledger post │ ├── payroll/ # workforce OS (runs, leave, claims, loans, reports) │ ├── assistant/ # role-scoped conversational AI │ ├── swarm/ # agent orchestrator │ ├── rag/ # grounded answers with citations │ ├── procurement/ # vendors, POs, r …