Prince-Derrek/Dispense-Finteh-Poc

Fintech Payment Scheduler PoC (Kenya) to secure seed investment. Demonstrates B2C (expense) & B2B (payroll) scheduling with a virtual wallet. Built on .NET 8 (Modular Monolith), it **simulates all financial transactions** (no real M-Pesa/bank APIs) to prototype the core logic without cost or regulatory overhead. # Dispense 💸 > **The Intelligent Payment Engine for Kenya.** > *Automating financial workflows for individuals and businesses with bank-grade security.* .NET 8.0 --- ## 📖 Overview **Dispense** is a fintech Proof of Concept (PoC) designed to solve the complexity of recurring payments in the Kenyan market. It acts as a scheduling and orchestration layer between users and payment rails (like M-Pesa or Banks). * **For Individuals (B2C):** Schedule Rent, KPLC tokens (888880), and WiFi payments to execute automatically. * **For Business (B2B):** A "God View" for treasury management. Bulk payroll disbursement and liquidity forecasting. * **For Investors (Admin):** Real-time traction monitoring via an Executive Dashboard. --- ## 🚀 Key Features ### 👤 Consumer Module * **Smart Wallets:** Personal virtual accounts. * **Bill Automation:** Wizard-style setup with KPLC validation. * **Modern Dashboard:** "Neobank" aesthetic (Blue/White theme). ### 🏢 Business Module * **RBAC Security:** Strict separation of Personal vs. Company data. * **Bulk Payroll:** Add employees and schedule salary disbursements. * **Company Wallet:** Centralized fund management. * **Executive Theme:** High-contrast "Dark/Gold" UI. ### ⚙️ The Engine * **Atomic Transactions:** Prevents double-spending using strict database transaction scopes. * **Background Worker:** `PaymentBackgroundService` runs every minute to process schedules. * **Resilience:** Uses **Polly** to retry failed bank connections automatically. * **Mock Rails:** Simulates external bank API latency (500-2000ms). ### 🛡️ Admin & Compliance * **Mission Control:** Visualization of Total Volume and Transaction Velocity (Chart.js). * **User Directory:** "Soft Delete" capabilities to suspend users. * **DPA 2019 Compliant:** Consent capture, audit logging, and public legal pages. --- ## 💻 Local Development Setup ### Prerequisites 1. **.NET 8.0 SDK** 2. **SQL Server** (LocalDB or Docker) 3. **Node.js (LTS)** (For Tailwind CSS) 4. …