swabul-blips/jenga-pesa

African gig workers and freelancers need short-term credit but lack bank collateral. Jenga Pesa is a DeFi protocol providing microloans by using a user's verified future income stream (cash flow) as collateral instead of crypto assets. Project Name: Jenga Pesa (Swahili for "Build Money") Tagline: Decentralized, Collateral-Lite Microlending for Africa's Gig Economy. The Problem & Opportunity Across Africa, millions of freelancers, gig workers, and small-scale entrepreneurs face a critical barrier: access to short-term credit. Traditional banks see them as high-risk with no formal collateral. Mobile money (like M-Pesa) allows for payments but not for credit based on future earnings. A freelance graphic designer needs a new laptop to take on a bigger project, or a delivery rider needs urgent scooter repairs, but they have to wait weeks to get paid, missing the opportunity. The Solution: Jenga Pesa Jenga Pesa is a DeFi protocol that provides microloans using a user's reputation and future cash flow as collateral. Instead of locking up crypto assets (which many unbanked users don't have), users can "lock" a verified stream of their future income. Core Concept: Leverage Superfluid-style money streams and on-chain reputation to create a novel, low-collateral lending model. How It Works (The User Journey) Onboarding & Verification: A gig worker connects their wallet and verifies their identity in a privacy-preserving manner (e.g., using Zero-Knowledge Proofs). They link their digital payment accounts (e.g., Mobile Money, Paystack payout account) to create a "Verified Income Stream." Building Reputation & "Proof of Income": The user doesn't need to deposit money. Instead, they start a small, continuous money stream from their linked account into a Jenga Pesa smart contract. This acts as a small, verifiable "proof of income" and builds their on-chain reputation score. This reputation score is an NFT (Soulbound Token - SBT) that represents their creditworthiness. It increases with consistent streaming and timely repayments. Requesting a Loan: The user requests a microloan (e.g., $50 - $500). The smart contract calculates their credit limit based on their reputation score and the size/consistency o …