E-Okelloh/pan-africa-pay

Production-grade African Payment Aggregator built in Rust. One API connecting African payment providers behind a unified interface. # Pan-Africa Pay A pan-African mobile money aggregator: collect and pay out across mobile money networks and stablecoin rails from a single API. ## What It Does - **Collect payments** - STK-push style prompts to customer phones - **Pay out** - send money to customer phones or wallets - **Cross-border settlement** - USDC-backed transfers via Kotani Pay - **One integration, many rails** - your application talks to one API; Pan-Africa Pay handles the network plumbing underneath ## Security - Idempotent by design: every mutating request carries an idempotency key so retries can never double-charge a customer - Monetary values handled as integer minor units - no floating-point drift - Atomic balance updates with overdraft protection at the database level - Provider callbacks verified and replay-guarded before state changes - Secrets managed via environment configuration, never committed - Append-only audit log for every financial event - Provider credentials isolated per environment (sandbox vs production) ## Speed - Asynchronous request handling end-to-end - Redis-backed idempotency lookups for fast retries - Pooled database connections with health checking - Provider OAuth tokens cached and reused until expiry - Continuous integration verifies format, lints, tests, and offline SQL checks on every change ## Getting Started ```bash # 1. Start infrastructure (PostgreSQL + Redis + mock provider) docker compose up -d postgres redis # 2. Copy environment template cp .env.example .env # 3. Apply migrations cargo sqlx migrate run --source crates/storage/migrations # 4. Build and test cargo build --workspace cargo test --workspace ``` ## API Endpoints | Method | Path | Purpose | |--------|------|---------| | `POST` | `/mpesa/stk/push` | Initiate an M-Pesa STK push prompt | | `GET` | `/mpesa/stk/query/{checkout_request_id}` | Poll STK push status | | `POST` | `/kotani/customers` | Register a mobile money customer | | `POST` | `/kotani/deposit` | Initiate fiat -> st …