FinTech2024
Jibuild Finance
Community Lending & Chama Automation Platform for Artisans & Construction Workers
Role & Responsibility:Lead Full-Stack Architect
Primary Metrics:M-Pesa Daraja 2.0 Integrated • Automated Chama Audit Ledgers • Real-Time Reconciliation
Problem Context & Objectives
Artisans and construction workers in Kenya rely heavily on informal group savings (Chamas) for emergency liquidity and tools purchasing, but manual accounting leads to trust issues and administrative burden.
Architectural Highlights & Systems Engineering
- Pattern 1
Idempotent Payment Engine: Integrated M-Pesa Express (STK Push) and C2B webhooks with idempotent transaction locking to prevent duplicate disbursements.
- Pattern 2
Automated Audit Ledger: Double-entry accounting pipeline automatically tracking member contributions, accrued interest, and active loan schedules.
- Pattern 3
SMS & USSD Micro-Interactions: Lightweight notification engine broadcasting real-time balance receipts to non-smartphone members.
Technology Stack
Next.jsTypeScriptNode.jsM-Pesa APIPostgreSQLPrismaTailwind CSS
Compliance Standards
- Central Bank of Kenya Payment Regulations
- Kenya Data Protection Act 2019
Measurable Outcomes & Impact
- Outcome #1Streamlined savings reconciliation for multiple artisan collectives in Kisii.
- Outcome #2Achieved 99.9% automated transaction reconciliation accuracy during field operations.