kelvinblack3-beep/kifaa

KIFAA — Kenya-first financial interface & orchestration platform. Modular monolith: identity, double-entry ledger, transaction engine, payment provider adapters (M-PESA, Airtel, PesaLink), USSD, PWA. Not a licensed PSP or e-money issuer. # KIFAA KIFAA is a Kenya-first financial interface & payment orchestration platform. Purpose - Provide merchants and users with a unified technology layer for payment operations while integrating with authorised payment providers. - Avoid custody of customer funds unless explicitly authorised. Current development stage - Milestone 1: Repository and project memory initialization; sandbox-first engineering. Repository structure (high-level) - docs/ — project memory, architecture, regulatory and audit artifacts - apps/ — application packages (API, web, etc.) - packages/ — shared libraries and modules (ledger, transactions, database, crypto) - adapters/ — provider adapter implementations and skeletons - DECISIONS/ — Architecture Decision Records (ADRs) - AUDITS/ — audit reports and regulatory research Sandbox policy - The repo operates in SIMULATED / SANDBOX / PRODUCTION modes. Default development mode is SANDBOX. - Never commit production credentials to the repository. How to contribute - Read docs/PROJECT_MEMORY.md before making changes. - Follow ADRs in DECISIONS/ for architectural changes. - Run tests and typechecks before opening pull requests. Security & regulatory note - This repository contains engineering documentation and code scaffolding only. It is NOT an authorization to process live payments. All production payment activity requires provider contracts and regulatory confirmations.