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).
- β Users complete KYC and link their Celo wallet
- π€ Form or join Credit Circles
- πΈ Request loans with defined terms
- π§Ύ Approval from Trust Anchors in the circle
- π° Receive funds directly in wallet
- π Repay and build on-chain reputation
- π± Earn credibility and strengthen your credit circle
- 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
- 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
- PQC session layer inside
/lib/pqc - Provides secure, ephemeral encrypted sessions for chat
- Core modules:
crypto.tskem.tskeyStore.tssession.ts
Protocols Used:
CRYSTALS-Kyber 768β Post-Quantum Key EncapsulationAES-GCMβ Symmetric message encryption
- 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
| 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 |
CeloPay/
βββ contracts/ # Solidity smart contracts
β βββ NyaayaPay.sol # Core lending + BNPL logic
β βββ ERC20/ # Token modules
β
βββ lib/
β βββ pqc/ # Post-Quantum crypto modules
β β βββ crypto.ts
β β βββ kem.ts
β β βββ keyStore.ts
β β βββ session.ts
β βββ wagmi.tsx # Wallet + contract hooks
β βββ events.ts # On-chain event subscriptions
β
βββ app/ # Next.js App Router pages
β βββ dashboard/
β βββ activity/
β βββ loans/
β βββ circles/
β βββ chat/
β βββ my/
β
βββ components/ # Reusable UI components
βββ styles/ # Tailwind & global CSS
βββ public/ # Static assets (logos, icons, etc.)