tchetagni/fintech-mobile-money-spring

Spring Boot reference architecture for Mobile Money / Stripe / FlutterWave / Cyclos integration — Africa-grade fintech backend patterns # fintech-mobile-money-spring > Reference architecture and starter code for a **Spring Boot** payments backend that integrates **Mobile Money (MTN, Orange)**, **Stripe**, **FlutterWave**, **Cyclos 4** and **USSD/SMS** fallback channels — with the operational realities of CEMAC / West Africa baked in. This is the public, architecture-and-patterns companion of fintech work I've delivered for clients across Cameroon, Nigeria, and broader CEMAC. Client code remains under NDA. Here you'll find the patterns that survive in production. --- ## Why this exists Most Spring Boot fintech tutorials assume: - A single payment provider (usually Stripe) - A stable internet connection - A client who already has a bank account and a smartphone with a recent OS None of these assumptions hold across CEMAC and West Africa. Real production fintech here means: - Multiple Mobile Money providers per country, each with their own API quirks - USSD / SMS as **primary** channels, not fallback - Idempotency that survives 3G/GPRS network flapping - Reconciliation against statements that arrive by email PDF, not API - Compliance with **BEAC / COBAC** (CEMAC central bank) and OHADA rules This repository captures the patterns that work. --- ## Reference architecture \`\`\` ┌─────────────┐ ┌─────────────┐ │ Web / Apps │ │ USSD gateway │ └─────┬──────┘ └────┬───────┘ │ │ ┌──────┴───────────────────────┐ │ Spring Boot · REST API │ │ - PaymentOrchestrator │ │ - IdempotencyService │ │ - ReconciliationService │ └─┬──────┬────────┬──────┬───────┘ │ │ │ │ MTN MoMo Orange Stripe FlutterWave API Money API API │ │ │ │ └─────┴──────┴──────┴─────┘ PostgreSQL + Outbox \`\`\` ## Stack - **Java 21**, **Spring Boot 3.x** - **PostgreSQL** with **transactional outbox** pattern - **Resilience4j** for retries, circuit breakers, bulkheads - **MapStruct** for DTO mapping, **Lombok** fo …