MpiloG29/MoMo-Own-It-

MoMo Own It is a mini app that turns layby and pay-as-you-go two things people across Africa already do, on paper into one automated payment plan running on MoMo. # MoMo Own It — backend Layby and pay-as-you-go, running as one payment engine on MTN MoMo. Two modes, one codebase: | | **Reserve** (layby) | **Take It Now** (pay-as-you-go) | |---|---|---| | Who holds the item | Supplier | Customer, from day one | | If payments stop | Plan pauses, nothing is lost | Device locks until payments resume | | Supplier is paid | Once, on completion | Upfront or progressively | | Legal shape | Deposit arrangement (CPA) | Instalment credit agreement (NCA) | The mode is a flag, not a second codebase. It forks the logic in exactly two places, both in `src/domain/plan.ts`: 1. `possessionFor()` — at plan start, does the item release now or is it held? 2. `onMissedPayment()` — on a miss, does something switch off, or does the plan stretch? Everything else — collection, ledger, progress, reminders, completion, record-building — is shared. ## Run it Needs Node 20+ and Docker. ```bash cp .env.example .env # working demo defaults, nothing to fill in docker compose up -d db # wait for it to report healthy npm install npm run migrate npm run seed npm run dev ``` Then open . `GET /health` tells you whether the database is up and which MoMo provider is live. The copied `.env` runs entirely on `MOMO_PROVIDER=mock` — no MoMo credentials, no network — with the billing clock at twenty seconds per "week" so plans move while you watch. Two of its values are what make the demo *live* rather than static: `SCHEDULER_ENABLED=true` and `BILLING_PERIOD_SECONDS=20`. With the scheduler off, or the clock at a real week, everything loads and then nothing ever happens. **If port 5432 is already taken** — you have Postgres installed natively — `docker compose up` fails to bind. Publish the container somewhere else instead: ```bash cat > docker-compose.override.yml <<'EOF' services: db: ports: - "5455:5432" EOF ``` Then point `DATABASE_URL` at 5455 in your `.env`. The override file is gitignored, so it stays local to your machine. To wipe the d …