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🌍 CeloPay

Web + PQC-Enabled Microcredits Environment

Built with Celo Next.js Post-Quantum Ready License: MIT TypeScript


πŸ’‘ Overview

CeloPay is a community-powered microcredits platform built on the Celo blockchain, designed to provide banking for the unbanked.
It enables communities to create trust-based credit circles, manage decentralized microloans, and securely communicate via Post-Quantum Cryptography (PQC).


πŸ’« How It Works

  1. βœ… Users complete KYC and link their Celo wallet
  2. 🀝 Form or join Credit Circles
  3. πŸ’Έ Request loans with defined terms
  4. 🧾 Approval from Trust Anchors in the circle
  5. πŸ’° Receive funds directly in wallet
  6. πŸ” Repay and build on-chain reputation
  7. 🌱 Earn credibility and strengthen your credit circle

πŸš€ Features

πŸ–₯️ Frontend (Next.js 14 App Router)

  • Built using Next.js (App Router) + TypeScript
  • Responsive UI with Tailwind CSS
  • Glassmorphic sticky navigation bar
  • Smooth page transitions and scroll reveal animations
  • Reusable button system (primary, secondary, ghost)
  • Integrated Celo WalletConnect using Wagmi
  • Dynamic dashboard, activity, and loan views
  • Built-in scroll progress indicator

βš™οΈ Smart Contract Layer

  • Contracts located in /contracts
  • Written in Solidity
  • Core contract: NyaayaPay.sol
  • BNPL-style (Buy Now Pay Later) repayment mechanism
  • Supports ERC20 tokens (ABI included)
  • Human Verification API for KYC integration
  • Deployable to Celo Alfajores (testnet) or Mainnet

πŸ” Post-Quantum Cryptography (PQC)

  • PQC session layer inside /lib/pqc
  • Provides secure, ephemeral encrypted sessions for chat
  • Core modules:
    • crypto.ts
    • kem.ts
    • keyStore.ts
    • session.ts

Protocols Used:

  • CRYSTALS-Kyber 768 β€” Post-Quantum Key Encapsulation
  • AES-GCM β€” Symmetric message encryption

🌐 Web3 Integration

  • Wallet management via Wagmi + Viem
  • Smart contract hooks in /lib/wagmi.tsx
  • Real-time blockchain event tracking via /lib/events.ts
  • Network guards and auto-switch logic
  • Full on-chain credit circle synchronization

🧭 Core UI Pages

Page Path Description
Home / Landing / Product introduction
Dashboard /dashboard User summary & balances
Activity /activity Payment / BNPL interactions
Loans /loans Manage and view loans
My /my Profile and personal data
Circles /circles Create or join credit groups
Chat (PQC-secured) /chat End-to-end encrypted communication

🧱 Core Architecture (CA)

CeloPay/
β”œβ”€β”€ contracts/                 # Solidity smart contracts
β”‚   β”œβ”€β”€ NyaayaPay.sol          # Core lending + BNPL logic
β”‚   └── ERC20/                 # Token modules
β”‚
β”œβ”€β”€ lib/
β”‚   β”œβ”€β”€ pqc/                   # Post-Quantum crypto modules
β”‚   β”‚   β”œβ”€β”€ crypto.ts
β”‚   β”‚   β”œβ”€β”€ kem.ts
β”‚   β”‚   β”œβ”€β”€ keyStore.ts
β”‚   β”‚   └── session.ts
β”‚   β”œβ”€β”€ wagmi.tsx              # Wallet + contract hooks
β”‚   └── events.ts              # On-chain event subscriptions
β”‚
β”œβ”€β”€ app/                       # Next.js App Router pages
β”‚   β”œβ”€β”€ dashboard/
β”‚   β”œβ”€β”€ activity/
β”‚   β”œβ”€β”€ loans/
β”‚   β”œβ”€β”€ circles/
β”‚   β”œβ”€β”€ chat/
β”‚   └── my/
β”‚
β”œβ”€β”€ components/                # Reusable UI components
β”œβ”€β”€ styles/                    # Tailwind & global CSS
└── public/                    # Static assets (logos, icons, etc.)

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