Semilore317/Kredit-Kard

Digitizing Nigeria’s informal credit economy. A digital tally system that uses Interswitch APIs to allow market traders to log debt and collect payments via USSD, no smartphone or internet required for customers . # KreditKard > **Digitizing Nigeria's ₦3 Trillion Informal Credit Economy.** > Developed for the Interswitch X Enyata Hackathon. KreditKard is a digital ledger system designed for Nigeria's market traders. It replaces traditional paper books with a mobile-first digital alternative that integrates real-time payment settlement via Interswitch virtual accounts. --- ## Live Demo & Documentation - **Production Frontend**: kreditkard.app - **Production API**: api.kreditkard.app - **API Documentation (Swagger)**: api.kreditkard.app --- ## Demo Credentials (for Evaluators) To explore the trader dashboard, use the following credentials on the login screen: | Role | Phone Number | PIN | |------|--------------|-----| | **Trader 1** | `08012345678` | `1234` | | **Trader 2** | `08098765432` | `5678` | --- ## The Problem & Solution ### The Problem - **₦8 Billion Daily Loss**: Informal credit in Nigeria is massive but purely analog. Lost or damaged "tally books" lead to unrecoverable debt. - **Dispute Deadlocks**: No digital proof of transaction when disputes arise between traders and customers. - **Financial Exclusion**: 70M+ Nigerians on feature phones are locked out of modern smartphone-only fintech. ### The Solution: KreditKard - **Digital Ledger**: Traders log debts in seconds via a mobile-first TailwindCSS dashboard. - **Interswitch Integration**: Automatic provisioning of Interswitch Virtual Accounts for every recorded debt. - **USSD/Transfer Payments**: Customers receive an SMS with a USSD code and pay from *any* phone—no internet or app required. - **Instant Settlement**: Real-time payment confirmation via Interswitch webhooks automatically updates the trader's ledge. --- ## Technical Stack - **Frontend**: React (Vite) + TypeScript + TailwindCSS - **Backend**: FastAPI (Python 3.11) + PostgreSQL - **Payments**: Interswitch Quickteller Business (Virtual Accounts & Webhooks) - **Messaging**: Termii SMS Gateway - **Infrastructure** …