OnePay - Financial Inclusion Solution

Bridging the gap for underserved communities through innovative financial technology.

Vision

OnePay aims to address financial exclusion by providing accessible, user-friendly financial tools to the 1.7 billion unbanked adults globally. Our solution integrates AI-powered insights, secure payment systems, and personalized financial literacy tools to empower users with the resources they need for economic independence.

Target Users

• Street vendors and small business owners
• Daily wage workers
• First-time banking users
• Rural entrepreneurs
• Migrant workers

Core Features

Smart Onboarding

• Step-by-step guided process
• AI-powered KYC verification
• Personalized user preferences

Secure Payments

• QR code-based transactions
• Peer-to-peer transfers
• Bill payment integrations

AI Financial Assistant

• Natural Language Processing for queries
• Automated expense categorization
• Real-time financial advice
• Budget optimization

Financial Education

• Gamified, interactive tutorials
• Adaptive learning paths
• Achievement system
• Progress tracking

Budgeting Tools

• Easy budget creation and tracking
• Real-time alerts
• Detailed analytics
• Spending pattern insights

Additional Features

• Community savings groups
• Emergency fund alerts
• Dynamic goal setting
• Micro-tasks for rewards
• Financial health scoring
• Predictive assistance
• Gamified savings challenges

Project Structure

.
├── mobile/              # React Native Expo frontend
│   ├── src/
│   │   ├── components/ # Reusable UI components
│   │   ├── screens/    # Screen components
│   │   ├── navigation/ # Navigation configuration
│   │   ├── services/   # API and business logic
│   │   ├── utils/      # Helper functions
│   │   ├── hooks/      # Custom React hooks
│   │   ├── store/      # State management
│   │   └── assets/     # Images, fonts, etc.
│   └── ...
│
└── backend/            # Express.js Node.js backend
    ├── src/
    │   ├── controllers/# Route controllers
    │   ├── models/     # Database models
    │   ├── routes/     # API routes
    │   ├── services/   # Business logic
    │   ├── utils/      # Helper functions
    │   └── middleware/ # Custom middleware
    └── ...

Tech Stack

Mobile App (Frontend)

• React Native with Expo
• TypeScript
• React Navigation for routing
• Redux Toolkit for state management
• Axios for API calls
• i18next for internationalization
• React Native Paper for UI components
• Jest for testing

Backend

• Node.js with Express.js
• TypeScript
• PostgreSQL for structured data
• Redis for caching
• JWT for authentication
• OpenAI integration for AI features
• Jest for testing
• ESLint and Prettier for code quality

DevOps & Tools

• Git for version control
• GitHub Actions for CI/CD
• Docker for containerization
• AWS for cloud infrastructure
• Sentry for error tracking
• Swagger for API documentation

Getting Started

Prerequisites

• Node.js (v18 or higher)
• npm or yarn
• Expo CLI (npm install -g expo-cli)
• PostgreSQL
• Redis
• Mobile device or emulator

Installation

Backend Setup

cd backend
npm install
cp .env.example .env  # Configure your environment variables
npm run dev

Mobile Setup

cd mobile
npm install
cp .env.example .env  # Configure your environment variables
npm start

Branch Strategy

Main Branches

• main - Production branch, very stable
• development - Integration branch for features and fixes

Development Workflow

1. All feature/bugfix branches should be created from development branch
2. Create a new branch with appropriate prefix:
   • feat/ for new features
   • fix/ for bug fixes
   • chore/ for maintenance tasks
   • style/ for styling changes
   • refactor/ for code refactoring
3. Submit Pull Request to merge into development
4. Add @ProdigyRahul as reviewer
5. After review and approval, code will be merged

⚠️ Important:

• Never push directly to main or development branches
• All changes must go through Pull Request review process

Git Commit Guidelines

Commit Message Format

<type>: <subject>

[optional body]

Types

• feat: New feature
• fix: Bug fix
• chore: Build process or auxiliary tool changes
• style: Code style/formatting changes
• refactor: Code refactoring
• test: Adding or modifying tests
• docs: Documentation changes

Rules

• Use lowercase in commit messages
• Be descriptive but concise
• Use present tense ("add feature" not "added feature")

Example:

feat: add user authentication
fix: resolve login screen crash
chore: update dependencies
style: format user profile component
refactor: optimize database queries

Contributing

1. Create a new branch from development
2. Make your changes
3. Follow commit message guidelines
4. Push your branch
5. Create Pull Request
6. Add @ProdigyRahul as reviewer
7. Address review comments if any
8. Merge after approval

Development Tasks

• Project setup and architecture
• Basic authentication flows
• Core UI components
• Wallet system
• Transaction management
• Payment features
• Budget management
• AI assistant integration
• Learning modules
• Gamification features
• Community features
• Performance optimization
• Testing and documentation

License

This project is proprietary and confidential.

Contact

For any queries, please reach out to the project maintainers.