alexgrate/AjoPay

AjoPay is Nigeria's first fully automated rotating savings platform — digitizing the centuries-old tradition of Ajo and Esusu. # AjoPay 🪙 > **Built for the ATJ x Tech Unfiltered Hackathon** > Submitted by @team_grate2205 --- ## What is AjoPay? AjoPay is Nigeria's first fully automated rotating savings platform — digitizing the centuries-old tradition of **Ajo** and **Esusu**. Millions of Nigerians participate in rotating savings circles every day. But defaults, distrust, and lack of accountability mean billions of naira are lost annually. AjoPay fixes that. We took the community savings tradition Nigerians already trust and gave it: - ✅ BVN verification - ✅ Credit scoring - ✅ Automated cycle management - ✅ Paystack-powered secure payments - ✅ A trust score system that rewards reliability --- ## Features ### 🔐 Identity & Trust - BVN verification with credit score assessment on registration - 4-tier trust system: **New Member → Building Trust → Trusted Member → Highly Trusted** - Blacklist system for repeat defaulters - Credit-gated group access based on risk level ### 👥 Group Management - Create public or private savings groups - Invite members via unique invite codes - Admin join request approval system - Payout order management (sequential — random & bidding coming soon) - Group restart with automatic payout order rotation ### 💸 Payments - Paystack-secured contribution payments - ₦200 platform fee per transaction (covers processing) - Automatic cycle progression after full contribution - Payout release by group admin - Bank account verification via Paystack resolve API - Transfer recipient creation for automated payouts ### 📊 Cycle Lifecycle ``` Group Created (pending) ↓ Members Join + Admin Approves ↓ Admin Starts Group → Cycle 1 Opens ↓ All Members Contribute ↓ Admin Releases Payout to Recipient ↓ Next Cycle Auto-Created ↓ All Cycles Complete → Group Completed ↓ Admin Restarts → Last recipient goes first ``` ### 🏦 Profile & Security - Full profile management with bank details - Real-time bank account name resolution - Change password with token refresh - Account deletion wit …