gitauwilly1/sacco_bridge

Sacco Bridge is a dual-mode platform that digitizes informal savings groups (chamas) and facilitates secondary market liquidity for SACCO (Savings and Credit Cooperative) shares in Kenya. # Sacco Bridge - Backend API ## Contributors - Gitau William --- ## Cooperative Liquidity & Chama Digitization Platform Sacco Bridge is a comprehensive backend API that digitizes informal savings groups (Chamas) and creates a secondary market for SACCO (Savings and Credit Co-operative) shares. The platform enables SACCO members to access liquidity by connecting with verified buyers, while providing complete chama management tools including contribution tracking, loan management, and meeting coordination. --- ## Problem Statement Kenya's cooperative sector faces critical liquidity challenges: - **Trillions of shillings locked** in SACCO shares with no secondary market - **Months of friction** to exit a SACCO or liquidate group equity - **Predatory mobile lending** as the only quick alternative for emergency cash - **Manual chama management** using Excel sheets and paper ledgers - **No credit history** for millions of disciplined savers in informal groups - **Lack of transparency** in group finances leading to disputes --- ## Solution Overview Sacco Bridge provides a dual-mode platform serving both informal and formal cooperative finance: | Feature | Description | |---------|-------------| | **Chama Digitization** | Replace Excel sheets with automated contribution tracking, M-Pesa integration, loan management, and meeting coordination | | **SACCO Share Liquidity** | Secondary market connecting sellers needing cash with buyers seeking cooperative yields | | **Atomic Settlement Engine** | 11-state distributed saga ensuring funds and shares are never lost during transfer | | **Trustee-Backed Guarantee** | Licensed trustee bank provides settlement finality for all transactions | | **Negotiated Connections** | Buyer-seller introduction with structured offer/counter-offer workflow | | **Structured Dispute Resolution** | Evidence-backed resolution with immutable audit trail | | **Multi-Channel Notifications** | Firebase push, …