AI-Driven Alternative Credit Scorer & Micro-Investment Bot for Informal Workers
TrustPesa is a production-ready prototype designed to bridge the financial gap for informal workers and vendors in emerging markets. By translating informal digital footprints (like mobile money transactions) into a verifiable Trust Score, the app enables users to access formal credit and receive automated, AI-powered investment advice.
Informal workers often have high transaction volumes but lack formal credit history. This forces them to rely on informal loans with predatory interest rates (often 15-20% monthly). TrustPesa solves this by creating a "Trust Network" that formalizes their financial reliability.
- AI-Driven Analysis: Calculates a score (0-1000) based on transaction volume (30%), consistency (25%), cash flow stability (20%), social trust (15%), and savings behavior (10%).
- Visual Breakdown: Interactive radar charts showing exactly which factors are driving the score.
- Trend Tracking: Monitor how your creditworthiness improves over time.
- Personalized Advice: Analyzes spending patterns to suggest daily/weekly savings amounts.
- Goal Tracking: Set and monitor progress for emergency funds, business expansion, or education.
- Investment Nudges: Recommends low-risk micro-investments based on the user's risk profile.
- Instant Eligibility: See exactly how much you can borrow based on your real-time Trust Score.
- Partner Comparison: Compare formal micro-lending rates (1.5-2.5%) vs. informal market rates.
- Approval Simulation: A streamlined application workflow with predicted approval times.
- Real-time Insights: At-a-glance view of cash flow, savings progress, and recent activity.
- Data Visualization: Professional charts for monthly inflows/outflows and expense categorization.
- Profile Customization: Manage business type, income range, and personal details.
- App Preferences: Toggle notifications, security settings (biometrics), and appearance (dark mode).
- Frontend: React 19, TypeScript, Tailwind CSS 4.0
- Animations: Motion (formerly Framer Motion)
- Charts: Recharts (Radar, Bar, Line, Pie)
- Icons: Lucide React
- Date Handling: date-fns
- Build Tool: Vite
src/components/: Modular UI components (Dashboard, TrustScore, Loans, Bot, Settings).src/services/: Mock API and AI logic (Scoring algorithm, Chatbot responses).src/types.ts: Centralized TypeScript interfaces for data models.src/lib/utils.ts: Tailwind CSS utility helpers.
- Install Dependencies:
npm install
- Run Development Server:
npm run dev
- Build for Production:
npm run build
- Real API Integration: Connect to M-Pesa, Flutterwave, or bank aggregation services.
- Offline-First (PWA): Full functionality in low-connectivity areas using Service Workers.
- Community Trust: A vouching system to digitize traditional "Chama" lending circles.
- Voice Interface: Accessibility-focused voice commands for the AI assistant.
Built with ❤️ for financial inclusion.