Kingsleybello/safe-harbor-loans
Domaine:
socioeconomicType de record:
software
Créateur:
Kin
Hôte:
Fintech lending platform with GSI integration for Nigeria
# Safe Harbor Loans
> Borrow with Dignity in Nigeria
A modern fintech lending platform with GSI (Global Standing Instructions) integration for streamlined loan repayment and default management.
## Project Overview
Safe Harbor is designed to revolutionize lending in Nigeria by:
- Offering fair interest rates and transparent terms
- Using AI-based credit scoring for alternative data
- Automating loan repayment via GSI (triggered only on default after 14 days)
- Building financial inclusivity for underserved populations
## Key Features (MVP)
### Core Features
- **User Registration** - Phone + BVN verification
- **Loan Application** - Fast approval with AI credit scoring
- **Monthly Repayments** - Flexible payment schedules
- **GSI Integration** - Automatic recovery on 14+ day default
- **Loan Dashboard** - Track payments, balance, next due date
- **Credit History** - Build credit profile through successful repayments
## Tech Stack
- **Frontend**: Next.js 16 (React 19, TypeScript)
- **Backend**: Next.js API Routes
- **Database**: PostgreSQL (Neon)
- **ORM**: Drizzle ORM
- **Styling**: Tailwind CSS
- **UI Components**: shadcn/ui
## Getting Started
### Prerequisites
- Node.js 18+
- PostgreSQL database (Neon)
- pnpm
### Installation
```bash
# Install dependencies
pnpm install
# Set up environment variables
cp .env.example .env.local
# Edit .env.local with your DATABASE_URL
# Generate and push migrations
pnpm drizzle-kit generate
pnpm drizzle-kit push
# Start dev server
pnpm dev
```
Open localhost in your browser.
## Database Schema
### Core Tables
- **users** - User profiles with KYC data
- **loans** - Loan records with terms and status
- **payments** - Payment history and schedule
- **gsiMandates** - GSI mandate tracking
- **loanAgreements** - Signed agreements with GSI consent
- **creditHistory** - User credit score changes
## GSI (Global Standing Instructions) Flow
1. **Signup** - User provides BVN, no bank details needed
2. **Loan Applic …