dylanndengu/credisnap

Leveraging AI to accelerate financial inclusion of SMEs in Africa # CrediSnap WhatsApp-based financial statement generator for South African SMEs. Users upload receipts and invoices via WhatsApp; CrediSnap extracts the data, categorises it, and produces IFRS-aligned financial reports for loan applications. --- ## Tech Stack | Layer | Technology | |---|---| | Interface | WhatsApp Business API (Twilio) | | Backend | Python — FastAPI | | Database | PostgreSQL (Supabase) + AWS S3 (document storage) | | AI / OCR | AWS Textract (extraction) + Claude (classification & categorisation) | ## Compliance - **POPIA** (Act 4 of 2013) — consent tracking, data retention, soft-delete support - **SARS** — 5-year record-keeping (TAA s29), VAT at 15%, bi-monthly VAT periods - **IFRS for SMEs** — double-entry ledger, P&L and Balance Sheet aligned to IFRS line items - **Currency** — ZAR throughout --- ## WhatsApp Command Reference | Command | Description | |---|---| | Send photo / PDF | Record a receipt or invoice | | `CASH SALE` | Record a cash sale with no receipt (guided text flow) | | `YES` | Confirm and save a pending entry | | `NO` | Something's wrong → opens structured correction menu | | `EDIT` | Correct the most recently recorded entry | | `BALANCE` | Income vs expenses snapshot for the current month | | `LAST` | Details of the most recent journal entry | | `TOP` | Top 5 spending categories this month | | `PENDING` | List all receipts awaiting confirmation | | `REPORT` | Generate a full financial PDF (prompts for year) | | `REPORT 2025` | Generate a full financial PDF for a specific year | --- ## Build Progress ### Step 1 — Database Schema ✅ *Files: `db/migrations/001_initial_schema.sql`, `db/migrations/002_seed_chart_of_accounts.sql`* PostgreSQL schema covering the full data model: - **`users`** — SME business accounts identified by WhatsApp number. Includes CIPC registration, SARS VAT/tax references, POPIA consent fields, and a configurable financial year-end month. - **`accounts`** — Chart of Accounts per user, seeded from a s …