DAVE-OCHUMBA/JASHO

Financial identity infrastructure for Kenya's informal workers # Jasho ### Jasho Lako, Thamani Yako — Your Sweat, Your Worth. Financial identity infrastructure for Kenya's 15M+ informal workers. Every confirmed wage payment builds a living financial passport for the worker who received it. **Built for the world. Proven in Kenya first.** --- ## What Jasho Is Jasho is not a loan app. It's not a payroll system. It's a **financial identity engine** that sits on employer payment rails. When a contractor pays workers through Mjei, or Nitume settles with riders, Jasho captures every payment and builds a portable, living financial passport that updates in real-time. Workers access their passport via USSD (`*483#`) from any phone on any network. No smartphone. No data plan. No application form. --- ## Monorepo Structure ``` jasho/ ├── apps/ │ ├── core/ ← FastAPI service (api.jasho.co.ke) │ │ ├── main.py ← App entry point — all routers wired here │ │ ├── models.py ← Pydantic models (single source of truth) │ │ ├── supabase_client.py ← Supabase connection │ │ ├── schema_v2.sql ← Complete DB schema — run this first │ │ ├── validate_stack.py ← Pre-flight check — run before test_sandbox.py │ │ ├── test_sandbox.py ← Daraja sandbox validation │ │ ├── routers/ │ │ │ ├── workers.py ← Upsert workers, get passport │ │ │ ├── payments.py ← Record confirmed M-PESA wage events │ │ │ ├── advances.py ← Earned wage access — request + repay │ │ │ ├── payouts.py ← Mjei Pay Workers payout flow │ │ │ └── webhooks.py ← Daraja STK + B2C callbacks │ │ └── services/ │ │ ├── daraja.py ← M-PESA STK Push + B2C API client │ │ ├── disbursement.py ← Wage fan-out + advance disbursement │ │ ├── score.py ← Jasho score engine (the core algorithm) │ │ └── sms.py ← Africa's Talking SMS notifications │ │ │ └── ussd/ ← USSD service (ussd.j …