QuantumPay V6.3 - The Global Financial Operating System

QuantumPay

The hyper-secure, AI-powered, globally-aware financial super-app.

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QuantumPay is a production-grade, globally-aware financial super-app designed to be a complete financial operating system. This full-stack monorepo contains a FastAPI backend, a React web application, and a React Native mobile app, all built with robust, real-system implementations.

✨ Core Features Implemented

For Individuals

• Global Multi-Currency Wallets: Hold and manage funds in NGN, KES, GHS, ZAR, USD, and more.
• Instant & Global P2P Transfers: Seamlessly send money to any user, anywhere, with real-time FX conversions.
• Hyper-Localized Deposits: Fund wallets using local payment methods:
  • Nigeria: Virtual Bank Accounts (via Monnify) & Card Payments.
  • Kenya: M-Pesa STK Push.
  • Ghana: Mobile Money (MTN/Vodafone).
  • South Africa: Instant EFT.
• Open Banking (Plaid): Securely link US bank accounts for ACH deposits.
• Global Payouts: Withdraw funds to local bank accounts worldwide via Paystack Transfers.
• QuantumFX Engine: A real-time, in-app currency exchange with live rates.
• Universal Biller Hub: Pay for airtime, TV, electricity, and government services across Africa via a resilient super-aggregator engine (Interswitch, Paystack, Remita).
• Advanced Security: Full Two-Factor Authentication (2FA) setup and management, plus secure account deletion.
• AI Financial Assistant: A chat-based assistant for financial insights.
• Shared Vaults: A complete UI for collaborative finance.

For Businesses & Merchants

• Cross-Border Invoicing: Create and send invoices in your client's local currency.
• Global Payroll Suite: Manage an international team and execute multi-currency payroll runs.
• Mobile Point-of-Sale (POS): A complete, product-aware POS system with cart functionality and dynamic QR code generation.
• Full Product Catalog Management: Complete CRUD functionality for managing a business's products from the mobile app.
• AI-Powered Analytics: Real-time dashboards for sales and cash flow forecasting.
• Corporate Cards & Expense Management: Backend infrastructure for issuing cards and managing expenses.

Platform & Admin

• Real-Time Live Support: A WebSocket-powered chat system for users to talk to a support team, with a dedicated admin interface to manage conversations.
• Complete Admin Panel: A mobile and web command center for user management, real-time platform stats, and a robust KYC approval queue.
• Advanced Identity Verification: A real-system IdentityService integrated with Paystack for verifying Bank Accounts, BVN, NIN, and performing Facial Comparisons.
• Full Internationalization (i18n): The web app supports multiple languages (EN, FR, ES, PT, SW) with a dynamic language switcher.
• Guided Tours: A "first-time user" guided tour on the web application to improve onboarding.

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🛠️ Tech Stack

• Backend (main.py):

  • Framework: FastAPI
  • Database: SQLAlchemy ORM with PostgreSQL (Production) / SQLite (Development)
  • Authentication: Firebase Admin SDK
  • AI/ML: Scikit-learn, StatsModels, Pandas
  • Real-time: WebSockets for Live Chat
  • Payment SDKs & Libs: plaid-python, pyotp, qrcode, cryptography

• Web App (frontend/):

  • Framework: React 18
  • Styling: Tailwind CSS & Framer Motion
  • State Management: React Context API
  • API Client: Axios with Interceptors
  • Localization: i18next, react-i18next
  • Tours: shepherd.js

• Mobile App (mobile/):

  • Framework: React Native (with Expo)
  • Styling: NativeWind (Tailwind for RN)
  • State Management: Zustand
  • Navigation: React Navigation
  • Native Features: Expo Camera, Contacts, Haptics, Biometrics, Notifications, Fonts
  • Animation: Moti / Reanimated

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🚀 Getting Started & Local Setup

(Instructions for local setup remain the same as the previous README)

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🌐 Deployment to Vercel (Unified Monorepo)

This project is configured for a seamless single-project monorepo deployment on Vercel. The vercel.json file in the root directory orchestrates the entire process.

1. Create ONE Vercel Project: Link it to your Git repository.
2. Root Directory: In the Vercel project settings, leave the Root Directory as the default (.). The vercel.json file will handle the monorepo logic.
3. Build & Development Settings: Vercel should auto-detect the monorepo structure from vercel.json. If you need to set it manually:
   • Framework Preset: "Other"
   • Build Command: cd frontend && npm install && npm run build
   • Install Command (for backend): cd backend && pip install -r requirements.txt
4. Environment Variables:
   • Go to the "Environment Variables" section of your Vercel project.
   • Copy ALL key-value pairs from your local backend/.env file.
   • Copy ALL REACT_APP_ key-value pairs from your local frontend/.env file.
   • CRITICAL: Update the URLs to their production values as per the guide below.
5. Deploy! Vercel will build both the Python backend and the React frontend and deploy them under a single domain.