Centrika Neobank - Rwanda's First 100% Mobile Neobank

Centrika is a comprehensive mobile banking platform built specifically for Rwanda, featuring mobile money integration, virtual cards, P2P transfers, and full regulatory compliance with Bank of Rwanda (BNR) requirements.

🌍 Project Overview

• Vision: First 100% mobile neobank in Rwanda
• Target Users: Urban residents, micro-merchants, remittance senders/receivers
• Core Features: KYC verification, MoMo integration, P2P transfers, QR payments, virtual cards
• Compliance: BNR Tier II limits (1M RWF per transaction, 2M RWF balance limit)
• Languages: Bilingual support (English/French)

🏗️ Architecture

Backend (Node.js + Express)

• Database: PostgreSQL with Drizzle ORM
• Authentication: JWT-based with role-based access
• Payment Rails: MoMo Rwanda integration, UnionPay virtual cards
• KYC: AWS Textract + Rekognition with manual review fallback
• Compliance: Automated BNR J+1 reporting

Mobile App (React Native + Expo)

• Framework: Expo managed workflow
• Navigation: React Navigation v6
• Styling: Custom theme system with Centrika branding
• Features: Camera-based KYC, QR scanning, biometric auth
• Offline: AsyncStorage for local data persistence

Back-office (Next.js)

• Framework: Next.js with TypeScript
• UI Library: Chakra UI for accessibility
• Features: User management, KYC review, metrics dashboard, audit trail
• Auth: JWT-based admin authentication

🚀 Quick Start

Prerequisites

• Node.js 18+ and npm
• PostgreSQL database
• AWS account (for S3, Textract, Rekognition)
• Expo CLI for mobile development

Environment Variables

Create .env file in the root directory:

# Database
DATABASE_URL="postgresql://username:password@localhost:5432/centrika"

# JWT Secret
JWT_SECRET="your-super-secret-jwt-key"

# AWS Services
AWS_REGION="us-east-1"
AWS_ACCESS_KEY_ID="your-aws-access-key"
AWS_SECRET_ACCESS_KEY="your-aws-secret-key"
S3_BUCKET_NAME="centrika-kyc-documents"

# Firebase (for notifications)
FIREBASE_PROJECT_ID="centrika-rwanda"
FIREBASE_PRIVATE_KEY="your-firebase-private-key"
FIREBASE_CLIENT_EMAIL="firebase-adminsdk@centrika-rwanda.iam.gserviceaccount.com"

# MoMo API (MTN Rwanda)
MOMO_API_URL="https://sandbox.momodeveloper.mtn.com"
MOMO_COLLECTION_USER_ID="your-collection-user-id"
MOMO_COLLECTION_API_KEY="your-collection-api-key"
MOMO_DISBURSEMENT_USER_ID="your-disbursement-user-id"
MOMO_DISBURSEMENT_API_KEY="your-disbursement-api-key"

# Card Encryption
CARD_ENCRYPTION_KEY="centrika-card-key-32-characters!"

# URLs
FRONTEND_URL="http://localhost:5000"
API_URL="http://localhost:8000/api"