devUnixx/afripay

stellar, payments, nigeria, africa, usdc, fintech, nextjs, open-source, freelance, moonpay, yellowcard. # AfriPay 💸 > Instant international payments for Nigerian freelancers — powered by Stellar and stablecoins. AfriPay enables freelancers to receive payments from global clients in **minutes, not days**, with fees under **1%**. Blockchain complexity is completely abstracted — users see invoices, balances, and bank withdrawals, nothing else. --- ## 🎯 The Problem - Traditional payment methods (PayPal, Wise) charge **5–10% fees** and take **3–7 days** to settle - Nigerian freelancers lose significant portions of their earnings to fees and exchange rate markups - Crypto solutions are too complex for non-technical users ## ✅ Our Solution 1. **Create invoice** → Get a shareable payment link 2. **Client pays** → Card payment converts to USDC on Stellar 3. **Instant settlement** → Funds arrive in 3–5 seconds 4. **Withdraw to bank** → Convert to NGN via Yellow Card, instant bank transfer 5. **Keep 99%+** → Fees under 1%, zero crypto knowledge required --- ## 🛠️ Tech Stack | Layer | Technology | |-------|-----------| | Frontend | Next.js 15 (App Router), React 19, Tailwind CSS v4 | | Backend | Next.js API Routes, Prisma ORM, PostgreSQL (Neon) | | Auth | Privy — OAuth + embedded Stellar wallets | | Blockchain | Stellar Network — USDC stablecoin | | On-ramp | MoonPay — card → USDC | | Off-ramp | Yellow Card — USDC → NGN bank transfer | | Email | Resend | | Deployment | Vercel | --- ## 🌟 Why Stellar? - ⚡ **3–5 second settlement** with fees 90 days ago. Skips invoices with active escrow, active dispute, or `doNotAutoCancel: true`. | **Test locally:** ```bash curl -H "Authorization: Bearer YOUR_CRON_SECRET" \ localhost ``` --- ## 🚢 Deployment ### Vercel (recommended) 1. Push to GitHub 2. Import project in Vercel 3. Add all environment variables from `.env.example` 4. Deploy — cron jobs are configured automatically via `vercel.json` ### Webhooks Setup After deploying, configure these webhook URLs in your provider …