GeneralSage/ajo-connect

Ajo Connect - A fintech mobile app for cooperative/thrift savings targeting African markets # Ajo Connect A production-grade fintech mobile application for cooperative/thrift savings (Ajo/Esusu) targeting African markets. ## Overview Ajo Connect digitizes the traditional African rotating savings system where community members contribute money regularly, and each member takes turns receiving the pooled funds. This app brings trust, transparency, and convenience to this centuries-old practice. ## Features (MVP) ### Core Savings - Create and join savings groups - Fixed or dynamic contribution amounts - Daily, weekly, or monthly contribution cycles - Transparent tracking - everyone sees all contributions - Automatic payout when target is reached - Group chat for each contribution circle ### Wallet & Payments - In-app wallet system - Paystack integration for Nigerian payments - Bank account linking - Secure withdrawals to verified bank accounts - P2P transfers between users ### Trust & Security - KYC verification (Dojah/Smile Identity) - Reputation scoring based on payment history - Locked groups once contributions start - Name-matched withdrawals only ## Tech Stack ### Mobile Apps - **iOS**: Swift 5.9+ / SwiftUI / Combine / CoreData - **Android**: Kotlin / Jetpack Compose / Coroutines / Room ### Backend - **Server**: Node.js + Express.js + TypeScript - **Database**: PostgreSQL + Redis - **Real-time**: Socket.io - **Auth**: JWT + Phone OTP ### Integrations - **Payments**: Paystack - **KYC**: Dojah / Smile Identity - **SMS**: Termii - **Push Notifications**: Firebase Cloud Messaging ## Project Structure ``` ajo-connect/ ├── ios/ # Swift/SwiftUI iOS app ├── android/ # Kotlin/Jetpack Compose Android app ├── backend/ # Node.js/Express API │ └── src/ │ ├── controllers/ # Request handlers │ ├── models/ # Database models │ ├── routes/ # API routes │ ├── services/ # Business logic │ ├── middleware/ # Auth, validation, etc. │ ├── utils/ …