MichelRolandOkoubi/Worldmitance

Real-time cross-border remittance engine for African diaspora corridors # Cross-Border Remittance Engine **Real-time cross-border remittance engine for African diaspora corridors** *France → Sénégal | Italy → Côte d'Ivoire | USA → Nigeria — settled in --- ## Overview The Africa remittance market is **$100B/year** with an average fee of **7.8%** (World Bank 2024). This engine targets ** Orange Money | MTN/Orange | MTN MoMo | USDC -> M-Pesa | Wave | Airtel | 1M XOF) - **FATF Travel Rule** (sender/receiver info for > $1,000) Screening latency: < 200ms (cached sanction lists, refreshed every 4h) --- ## Quick Start ```bash git clone github.com cd cross-border-remittance docker-compose -f infrastructure/docker/docker-compose.yml up -d mvn clean install -DskipTests # Get a quote curl -X POST localhost \ -H "Content-Type: application/json" \ -d '{ "fromCurrency": "EUR", "toCurrency": "XOF", "amount": 200.00, "deliveryMethod": "MOBILE_MONEY", "provider": "ORANGE_SENEGAL" }' ``` --- ## Roadmap - [ ] v1.0: EUR → XOF (France/Italy → Sénégal/CI) via SEPA + Orange Money - [ ] v1.1: USD → NGN/KES via USDC/Stellar + MTN/M-Pesa - [ ] v1.2: Intra-Africa corridors (Wave, Airtel) - [ ] v2.0: FX hedging (lock rate at send, settle when liquid) - [ ] v2.1: Business remittance (B2B invoicing, multi-currency accounts) - [ ] v3.0: Embedded finance (integrate into diaspora social apps) --- *Targeting $100B African remittance market at < 1% fee vs industry average 7.8%.*