I am a Legal Practitioner looking for an experienced Full-Stack Developer (or Team) to build SmartAjo—a digital platform that modernizes the traditional Nigerian "Ajo/Esusu" thrift system. We have the Full Technical Specifications, Database Schema, and Business Logic ready. We need a developer to execute this blueprint into a secure, responsive Web Application (PWA). Core Project Logic (The "Tri-Wallet" System): The application relies on a specific logic where every user has three distinct balances: Locked Savings Wallet: For daily contributions. Funds are frozen until cycle maturity (e.g., 31 days). Matured Wallet: Funds move here automatically upon maturity (minus a 1-day Admin Commission). These funds are liquid for withdrawal. Utility/Credit Wallet: Used for instant Bill Payments and Loan disbursements. Key Features to Build: 1. Customer Portal: Registration/KYC: Phone OTP verification + Bank Account linking. Savings Plans: Users subscribe to daily plans (e.g., ₦1k/day). Bill Payments: Integration with VTPass API to pay Electricity/Airtime using "Matured" funds. Education Shield Module: A specific logic where saving 70% of a target triggers an automatic 30% loan top-up. 2. Field Agent Portal (Mobile Optimized): Cash Logging: A simplified interface for Agents to search for a user and log cash received. SMS Triggers: System must send instant SMS alerts to customers upon cash entry. Daily Reconciliation: A report showing "Total Cash Logged" vs "Cash Remitted." 3. Super Admin Dashboard: Global Liquidity View: Total Locked vs. Total Matured funds. Approvals: Manual approval button for Withdrawal Requests. User Management: Ability to ban users or agents. Loan Engine: Algorithm to calculate loan eligibility based on savings consistency. Required Integrations: Payment Gateway: Paystack or Flutterwave (for card funding). Bill Payment API: VTPass or Reloadly (for Airtime/Power). SMS Gateway: Termii or SmartSMSSolutions. Tech Stack Preference: Backend: PHP (Laravel) OR Node.js. Frontend: React, Vue.js, or Clean Blade Templates (Must be Mobile Responsive). Database: MySQL. Security: SSL, CSRF Protection, and Bcrypt for passwords are non-negotiable. Deliverables: Full Source Code (uploaded to GitHub/Bitbucket). Database SQL File. Deployed & Tested Application on my Server. 30 Days of Post-Launch Bug Support. Budget & Timeline: Budget: $500 - $650]. Timeline: 4 - 6 Weeks.
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