Lobojuan/universal-credit-hub
Domaine:
socioeconomicdigital infrastructureType de record:
software
Créateur:
Lob
Hôte:
africa-credit-hub
Universal Credit Hub (UCH v2.8)
Pan-African Credit Registry Infrastructure
Enterprise-grade, multi-tenant credit data hub designed for African financial institutions,
42+ currencies, and 8 languages (EN, FR, PT, AR, SW, ES, zh-CN, zh-TW).
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## What's New in v2.8
| Area | Change |
|---|---|
| **i18n Complete** | All 120 pages use useTranslation across 8 languages |
| **Loto Notifications** | SMS/USSD/push notification system (Task #286): 6 templates × 5 languages, USSD state machine, retry worker with exponential backoff, consumer Notifications tab, admin delivery dashboard |
| **Command Center** | 11 routed sub-pages: System, Settings, Users, Billing, API Keys, Audit, Data Quality, Retention, Revenue Split, Settlements, Wallets |
| **Loto POS & Devices** | /loto-pos and /loto/admin/devices pages live |
| **Security** | PII_ENCRYPTION_KEY + PII_ENCRYPTION_SALT validated at startup. MASTER_CONTROL_PASSWORD required in production |
| **Migrations** | Sequential journal 0000–0018, no duplicate prefixes |
| **2026-07 hardening** | Encrypted borrower-ID search repaired, deterministic authenticated E2E fixtures, WebKit HTTP/CSP regression fixed, and Ghana macro-risk observations now use maker-checker approval and audit evidence |
| **Public Demo Board** | Outcome-led, no-registration `/demo` shows synthetic NPL/IFRS 9, consent/collateral, fraud/resolution, reporting/prudential and core credit-intelligence scenarios. Its hands-on Banker Shift routes a fictional event from role-based ownership to the matching work desk, with controlled numeric reviews and a browser-only virtual management report. It is not a bank environment, audit or regulatory filing. See Public Demo Board. |
| **Bank Diagnostic & Forensics** | Public `/forensics` explains the controlled offer and lets a bank request a diagnostic. Authenticated `/bank-risk-diagnostic` guides a file-first, read-only management diagnostic from engagement authority through bank-validated findings and a measurable pilo …