niiodartey-tt/kora-platform

I am trying to build a Ghana-focused, globally competitive escrow and fintech platform that is robust, secure, and scalable. # KORA ESCROW PLATFORM > Production-ready fintech escrow solution for Ghana and Africa with enterprise-grade accounting, MTN Mobile Money integration, and cryptographic ledger integrity. **Current Status:** ✅ 100% E2E Test Pass Rate (61+ tests) | 🚀 Escrow, Chat & Dispute LIVE | 📱 Beta Launch Ready --- ## TABLE OF CONTENTS 1. Project Overview 2. Technology Stack 3. Project Structure 4. Database Schema 5. Environment Setup 6. Running the Platform 7. API Endpoints 8. Available Scripts 9. Development Workflow 10. What's Built vs What's Next 11. Troubleshooting --- ## 1. PROJECT OVERVIEW ### What is Kora Platform? Secure peer-to-peer escrow platform enabling safe transactions between buyers and sellers in Ghana through mobile money integration. ### Key Features **✅ Fully Implemented:** - User authentication (JWT with refresh tokens) - MTN Mobile Money (deposits + withdrawals) - Double-entry accounting with cryptographic integrity - Hash chain verification (SHA-256) - Device fingerprinting & session management - Webhook processing with HMAC verification - Risk-based rate limiting (25-200 req/min) - Comprehensive audit logging - 100% E2E test coverage - **✅ NEW:** Complete escrow system (fund, release, refund) - **✅ NEW:** Real-time chat with AES-256-GCM encryption - **✅ NEW:** Dynamic fee pricing (1.5% + VAT, configurable min/max) - **✅ NEW:** Automated escrow flow testing - **✅ NEW:** Bank-grade dispute system with AI resolution - **✅ NEW:** Multi-vector item fingerprinting & verification - **✅ NEW:** Seller fraud detection (photo forensics) - **✅ NEW:** Rider-buyer collusion detection - **✅ NEW:** Adaptive AI thresholds (self-learning from outcomes) - **✅ NEW:** User feedback loop for dispute satisfaction - **✅ NEW:** Rider GPS verification (pickup/delivery photos) - **✅ NEW:** Partial release for damaged items - **✅ NEW:** Daily/weekly dispute reporting & alerts **🚧 Partially Implemented:** - Delivery & rider system (schema ready, APIs pending) - KYC verifi …