MPay

FinTech platform integrating the Bitcoin Lightning Network for virtual Visa/Mastercard card funding.

MPay enables users to create virtual Visa and Mastercard cards funded via Bitcoin Lightning Network deposits. Built for unbanked and underbanked users in Francophone Africa.

Features

• ⚡ Bitcoin Lightning deposits via Blink.sv API
• 💳 Virtual Visa/Mastercard card generation (Luhn-valid PAN, CVV, expiry)
• 👛 User wallet with LNbits sub-wallet management
• 📊 Real-time transaction history and balance tracking
• 🔒 JWT-based authentication with bcrypt password hashing
• 🛡️ Admin dashboard for user and card management
• 🐳 Docker Compose for easy infrastructure setup
• 📱 Responsive web interface with Chart.js analytics

Tech Stack

Layer	Technology
Frontend	HTML5, CSS3, JavaScript, Chart.js, QRCode.js
Backend	Node.js, Express 4, Sequelize 6 ORM
Database	PostgreSQL 16
Lightning	Blink.sv GraphQL API, LNbits
Auth	bcryptjs + JWT (7-day expiry)
Containerization	Docker, Docker Compose

Quick Start

Prerequisites

• Node.js >= 18
• Docker & Docker Compose
• A Blink.sv API key
• LNbits instance (or use Docker Compose)

Installation

git clone https://github.com/IRAGAME/Mpay.git
cd Mpay

# Set up environment variables
cp backend/.env.example backend/.env
# Edit .env with your configuration

# Start infrastructure (PostgreSQL + LNbits)
docker compose -f backend/docker-compose.yml up -d

# Install backend dependencies
cd backend
npm install

# Start the application
node server.js

Environment Variables

Variable	Description
PORT	Server port (default: 3000)
DATABASE_URL	PostgreSQL connection string
JWT_SECRET	Secret key for JWT signing
BLINK_API_KEY	Blink.sv GraphQL API key
BLINK_API_URL	Blink.sv API endpoint
LN_BITS_URL	LNbits server URL
LN_BITS_API_KEY	LNbits API key
ADMIN_EMAIL	Admin account email
ADMIN_PASSWORD	Admin account password
COMMISSION_RATE	Deposit commission rate (default: 0.01)

API Endpoints

Authentication

Method	Endpoint	Description
POST	/api/auth/register	Register new user
POST	/api/auth/login	User login

Wallet

Method	Endpoint	Description
GET	/api/wallet/balance	Get wallet balance
GET	/api/wallet/transactions	Get transaction history
POST	/api/wallet/deposit	Create deposit invoice

Cards

Method	Endpoint	Description
GET	/api/cards	List user cards
POST	/api/cards/create	Create virtual card
PATCH	/api/cards/:id/freeze	Freeze/unfreeze card

Admin

Method	Endpoint	Description
GET	/api/admin/users	List all users
GET	/api/admin/dashboard	Admin dashboard stats

Project Structure

├── backend/
│   ├── server.js
│   ├── package.json
│   ├── docker-compose.yml
│   ├── config/
│   │   ├── db.js
│   │   └── env.js
│   ├── controllers/
│   │   ├── adminController.js
│   │   ├── authController.js
│   │   ├── cardController.js
│   │   ├── walletController.js
│   │   └── webhookController.js
│   ├── middleware/
│   │   ├── admin.js
│   │   └── auth.js
│   ├── models/
│   │   ├── index.js
│   │   ├── User.js
│   │   ├── Card.js
│   │   └── Transaction.js
│   ├── routes/
│   │   ├── admin.js
│   │   ├── auth.js
│   │   ├── cards.js
│   │   ├── wallet.js
│   │   └── webhooks.js
│   ├── services/
│   │   ├── blinkService.js
│   │   └── lnbitsService.js
│   └── utils/
│       ├── errors.js
│       └── logger.js
└── frontend/
    ├── index.html
    ├── dashboard.html
    ├── auth.html
    ├── virtual-card.html
    ├── recharge.html
    ├── history.html
    ├── settings.html
    ├── admin.html
    ├── css/
    └── js/

Roadmap

• Unit and integration tests
• LNbits wallet-per-user creation
• KYC verification flow
• Mobile app (React Native)
• Multi-currency support
• Recurring payments
• P2P transfers between users

Contributing

Please see CONTRIBUTING.md for guidelines.

License

This project is licensed under the MIT License - see the LICENSE file for details.

---

Empowering financial inclusion through Bitcoin Lightning technology.