Veeni3-Pappi/Payloop

A Web3 platform that brings African savings circles (chamas) on-chain transparent contributions, micro-lending, and portable credit scores powered by MetaMask and Polygon # PayLoop 🔗 > **The chama treasurer that can never steal.** PayLoop is a decentralized group savings and micro-lending platform that digitises African informal savings circles (chamas) using blockchain technology. Built for the **Eldohub Web3 Hackathon 2026**. --- ## 🏗️ Architecture ``` ┌─────────────────────────────────────────┐ │ Next.js 16 Web Dashboard │ │ (Tailwind CSS + wagmi v3 + viem) │ └──────────────────┬──────────────────────┘ │ ▼ ┌─────────────────────────────────────────┐ │ 🦊 MetaMask + Polygon Amoy │ │ wagmi v2 + viem + ethers v6 │ └──────────────────┬──────────────────────┘ │ ▼ ┌─────────────────────────────────────────┐ │ ⛓️ Smart Contracts (Solidity) │ │ CircleVault · LendingPool │ │ CreditScore · LoopToken (ERC-20) │ └──────────────────┬──────────────────────┘ │ ▼ ┌─────────────────────────────────────────┐ │ 🐍 Django Backend (Phase 3) │ │ PostgreSQL · M-Pesa · Firebase FCM │ └─────────────────────────────────────────┘ ``` --- ## ✨ Features | Feature | Status | |---------|--------| | MetaMask wallet connect + network detection | ✅ | | Dashboard with vault balance + charts | ✅ | | Circle management + contract display | ✅ | | Contribute MATIC via MetaMask | ✅ | | Loan requests + member voting | ✅ | | CreditLoop Score (0–1000) with QR code | ✅ | | Member management (add/remove) | ✅ | | Public transparency page | ✅ | | Smart contracts (4 contracts deployed to Amoy) | ✅ | | Django backend API | ✅ | | M-Pesa Daraja integration | ✅ | | Firebase FCM notifications | ✅ | --- ## 🚀 Quick Start ### Prerequisites - Node.js 18+ - MetaMask browser extension - Test MATIC from faucet.polygon.technology ### Smart Contracts ```bash cd contracts cp .env.example .env # add your private key npm install npx hardhat compile npm test # run the Solidity test suite (61 tests) npx hardhat run scripts/deploy.js --network amoy ``` ### Frontend ```bash cd web cp .env.loca …