Jeanne-Akinyi/Dhamini

Dhamini (Swahili for "Guarantee") is a middleware platform designed to automate loan repayments and create a unified credit scoring system for the Kenyan market. # Dhamini Dhamini (Swahili for "Guarantee") is a middleware platform designed to automate loan repayments and create a unified credit scoring system for the Kenyan market. ## Dhamini - Swahili for "Guarantee" **Automated Loan Repayment & Credit Infrastructure Middleware** Dhamini is a consent-based automated loan repayment and credit intelligence platform built for the East African financial market. We bridge the gap between Commercial Banks, SACCOs, Chamas, and Digital Lenders using a unified repayment and AI-driven credit scoring infrastructure. --- ## The Problem Lenders in Kenya face a 20-35% default rate and spend up to 30% of their budgets chasing payments. Meanwhile, borrowers pay high interest because their positive repayment history in SACCOs or Chamas is invisible to formal banks. ## Core Pillars * **Consent-based Automated Deduction:** Automated repayment via M-Pesa Daraja, Bank APIs, and SACCO payroll systems. * **Universal KYC Layer:** A single identity verification (IPRS/KRA) shared across institutions with borrower consent. * **AI Credit Scoring (DCS):** A live score built from real repayment behavior across all platforms, not just CRB history. * **Blockchain Audit Trail:** Every mandate and repayment is logged immutably on the Polygon network for transparency. ## Technical Stack - **Backend:** Python (FastAPI), Node.js (Microservices), Apache Kafka - **Frontend:** React (Web), React Native (Mobile), Africa's Talking (USSD) - **Database:** PostgreSQL, TimescaleDB (Time-series), Redis - **Blockchain:** Solidity Smart Contracts (Polygon PoS) - **Payments:** M-Pesa Daraja API, PesaLink, Bank Open APIs ## System Architecture Dhamini operates as a five-layer middleware system: 1. **Frontend:** Borrower portal, Lender dashboard, and Field agent app. 2. **API Gateway:** Auth, Universal KYC, and Consent management. 3. **Middleware Core:** Mandate engine, Deduction scheduler, and Payment adapters. 4. **AI Engine:** ML models for Credit Scoring an …