Akwidiva/MbolePay1

Mbole Pay is a web-based digital platform that modernizes African Njangi (tontine) systems by automating contributions, payouts, and dispute resolution. It solves the problem of mistrust, manual tracking, and limited scalability in traditional community savings groups. Mbole Pay – A Distributed Digital Njangi Platform for Africa Abstract This document presents a comprehensive project description for Mbole Pay, a distributed digital platform designed to modernise traditional African Njangi (tontine) savings systems. The platform is intended to provide a scalable, secure and fault-tolerant environment for group savings, automated payouts, dispute resolution and collaborative management. The report covers the problem statement, problem scope, proposed solution, system architecture, technology stack, literature review, implementation plan, a detailed calendar of activities from October 2025 to February 2026, expected outcomes, and references. The design emphasizes microservices, containerization, cloud-based distribution, monitoring, and DevOps practices to ensure availability, reliability and maintainability. The project is prepared at the undergraduate level and the document aims to serve as a submission-ready report for academic evaluation. Table of Contents 1. Introduction 2. Problem Description 3. Problem Scope 4. Literature Review 5. Proposed Solution 6. System Design and Architecture 7. Technology Stack and Tools 8. Non-Functional Requirements: Scalability, Fault Tolerance, Collaboration 9. Implementation Plan 10. Calendar of Activities (October 2025 - February 2026) 11. Expected Outcomes 12. Conclusion and Recommendations 13. References 1. Introduction Njangi, also referred to as 'tontine', 'esusu', 'chama' or other local terms across Africa, represents a deeply embedded community savings practice in which members make regular monetary contributions that are pooled and disbursed to members on a rotating basis. These informal groups promote mutual support, liquidity management and social cohesion. Despite the cultural importance and wide adoption of Njangi systems, many groups still rely on manual record-keeping and face challenges associated with trust, transparency and scalability. Mbole Pay is conceived as a digital platf …