Ernest-Glate/VessTrust

PAN-AFRICAN CREDIT INFRASTRUCTURE # VessTrust — Pan-African Credit Infrastructure VessTrust is a neutral credit reference layer built in Accra, Ghana, designed for the African financial ecosystem. It converts mobile money (MoMo) transaction history into portable credit scores, enabling the 493 million unbanked adults across Africa to access commercial credit, digital loans, and trade finance. --- ## 🚀 Tech Stack * **Framework**: Next.js 14 (App Router) * **Styling**: Tailwind CSS * **Animations**: Framer Motion * **Icons**: Lucide React * **Typography**: Playfair Display (Serif headings) & Inter (Sans-serif body) --- ## ✨ Features & Capabilities ### 1. Alternate Credit Scoring Model VessTrust's scoring engine runs on alternative data vectors extracted from carrier wallets, evaluating 7 primary behavioral fields: * **`tx_frequency`**: Overall transactional activity per month. * **`avg_tx_value`**: Normalized transaction volumes to estimate capacity. * **`balance_retention`**: Ratio of capital retained over a 30-day window. * **`counterparty_count`**: Supplier/vendor diversity metric (valuable for SMEs). * **`bill_consistency`**: On-time utility, school fees, and solar repayments. * **`loan_repayment`**: Historical micro-credit product discipline. * **`airtime_regularity`**: Top-up regularity acting as a micro-income proxy. ### 2. Interactive SVG Score Dial A high-performance visual gauge (`ScoreDial.jsx`) that simulates Vess Score calculations (ranging from 300 to 850) dynamically upon entering the viewport, providing a visual look at a user's credit status. ### 3. High-Fidelity Mock API Terminal Developers can explore query payloads and JSON schema configurations directly from the homepage using the tabbed workspace mockup (`APIBlock.jsx`). ### 4. Interactive Framer Motion Marquee Scroller A smooth, frame-rate independent trust scroller (`MarqueeBand.jsx`) driven by Framer Motion's `useAnimationFrame` hook. The ticker decelerates gracefully to a complete pause on mouse hover, offering an e …