secbyteX03/pilb

PILB (Private, Instant, Low-Barrier Payments) is a payment app that lets you send money to any M-Pesa user in Kenya, completely anonymously. Your identity is never revealed to the recipient. Every transaction is recorded immutably on the Stellar blockchain, creating an irrefutable proof of payment without compromising privacy. # PILB - Private Instant Ledger Bridge **Anonymous M-Pesa Payments via Stellar** Send and Receive Money Privately, Keep Your Identity ## Table of Contents - About - Problem Statement - How It Works - Features - Tech Stack - Quick Start - Installation - Environment Variables - Docker Setup - API Endpoints - Frontend Pages - Security - Architecture - Contributing - License ## About PILB (Private Instant Ledger Bridge) is a revolutionary payment system that enables anonymous M-Pesa transfers using the Stellar blockchain. By leveraging cryptographic techniques and the Stellar network, PILB allows users to send and receive money to anyone in Kenya via M-Pesa without revealing their identity. ## Problem Statement In Kenya, financial privacy is a significant concern when using mobile money services. When sending money through M-Pesa, the sender's full phone number and name are always visible to the recipient. This lack of privacy creates challenges for: - **Journalists and activists** who need to protect their sources and contacts - **Business owners** who want to keep supplier relationships confidential - **Individuals** who value their financial privacy - **Charitable organizations** that need to protect beneficiary information - **Remote workers and freelancers** receiving international payments Similarly, when receiving money, your phone number becomes visible to the sender, which may not be desirable in many situations. ### The M-Pesa Privacy Challenge With M-Pesa's recent update showing only partial numbers and requiring sender approval for full number display, privacy has improved. However, the sender's name still appears, and both parties must approve for full number visibility. PILB takes this further by completely removing any connection between the Stellar blockchain transactions and M-Pesa phone numbers. ### The Verification Problem Additionally, verifying payments received via M-Pesa can be difficult - recipients must forward SMS notificat …