ScottT2-spec/CredVex

🇬🇭 KojoSave — The smarter way to save in Ghana. MoMo-first savings, digital Susu, AI lending. Architecture blueprint. # CredVex 🇬🇭 **MoMo-first savings & lending platform for young Africans.** Save via Mobile Money, earn interest, access micro-loans, and grow your wealth — all from your phone. ## Features - **Wallet** — Deposit/withdraw via MTN MoMo & Paystack, double-entry ledger - **Savings Plans** — Goal, flexible, and locked savings with compound interest - **Micro-Loans** — AI credit scoring, auto-approval, MoMo disbursement with retry - **Group Savings** — Susu rotation pools with automated payouts - **Challenges & Badges** — Gamified savings streaks and achievements - **Referrals** — Viral referral program with leaderboard - **Notifications** — SMS, email, WhatsApp, web push, in-app - **Admin Panel** — Loan approvals, user management, transaction monitoring - **PWA** — Installable mobile app with offline support ## Tech Stack | Layer | Tech | |-------|------| | Backend | Python, FastAPI, SQLAlchemy, Alembic, Celery | | Frontend | Next.js 14, TypeScript, Tailwind CSS, Zustand | | Database | PostgreSQL (double-entry ledger) | | Cache/Queue | Redis | | Payments | MTN MoMo, Paystack | | Notifications | Arkesel SMS, Resend email, Meta WhatsApp, Web Push | ## Quick Start ### Prerequisites - Docker & Docker Compose - Node.js 20+ (for local frontend dev) - Python 3.10+ (for local backend dev) ### With Docker (recommended) ```bash # Clone git clone github.com cd kojoSave # Configure cp backend/.env.example backend/.env # Edit backend/.env with your API keys # Run everything docker compose up -d # API: localhost # Frontend: localhost # Docs: localhost ``` ### Local Development **Backend:** ```bash cd backend python -m venv venv && source venv/bin/activate pip install -r requirements.txt alembic upgrade head uvicorn app.main:app --reload ``` **Frontend:** ```bash cd frontend npm install npm run dev ``` **Workers:** ```bash cd backend celery -A app.workers.celery_app worker --loglevel=in …