🌱 GreenLend: AI-Powered Sustainable Microfinance Platform

For security and IP protection, the full production code is currently hosted privately. This repository demonstrates the project structure and documentation.

GreenLend is an AI-driven microfinance platform that unlocks finance for underserved communities by evaluating sustainability impact alongside traditional creditworthiness. Built for the unbanked, powered by AI agents, and secured by blockchain.

🎯 The Problem

70% of MSME loan applications are rejected due to insufficient credit history
1.4 billion people globally are unbanked and excluded from traditional finance
Indonesia's MSME financing gap: $8.9 billion annually
Sustainable businesses struggle to access capital despite positive environmental impact

💡 Our Solution

GreenLend uses AI-powered conversational interfaces and SDG-based credit scoring to provide microloans to entrepreneurs who create positive environmental and social impact—even without traditional credit history.

Key Innovation: Multi-Factor Scoring Algorithm

Final Credit Score = (Traditional × 20%) + (Alternative Data × 50%) + (SDG Impact × 30%)

Result: A mushroom farmer with zero credit history but high SDG alignment can access capital. A solar panel installer gets better interest rates for clean energy contributions.

✨ Features

🤖 For Borrowers (The Unbanked)

Conversational AI Application - Apply through natural language chat in English or Bahasa Indonesia
No Credit History Required - Alternative data scoring evaluates business viability and impact
Instant Assessment - Real-time evaluation of 15+ factors including SDG contributions
Low-Literacy Friendly - No complex forms, just conversation

💼 For Lenders (Impact Investors)

SDG-Aligned Portfolio Dashboard - Track financial returns AND environmental impact
Transparent Risk Assessment - Every loan includes credit score (0-100), SDG score (0-100), and risk level
Dual Disbursement Options:
- 💳 PayPal - Instant traditional disbursement
- ⛓️ Blockchain (Ethereum) - Transparent, immutable on-chain records
Real-Time Portfolio Analytics - CO₂ reduced, jobs created, women empowered
Transaction History - Full audit trail with Etherscan verification

📊 Platform Intelligence

AI-Powered Scoring Engine - Multi-factor analysis combining traditional and alternative data
SDG Mapping - Automatic alignment with UN Sustainable Development Goals
Dynamic Interest Rates - 10-15% based on credit score with SDG discounts up to 3%
Explainable AI - Full transparency into decision-making process

🛠️ Tech Stack

Frontend

Next.js 15.3.8 - React framework with server-side rendering
React 19 - UI component library
TypeScript - Type-safe development
Tailwind CSS - Utility-first styling
shadcn/ui - Accessible component system

AI & APIs

OpenAI GPT-4 - Conversational loan application engine
PayPal API - Traditional payment processing

Blockchain

Solidity 0.8.19 - Smart contract language
Ethers.js v6 - Ethereum interaction library
RainbowKit - Wallet connection UI
Ethereum Sepolia Testnet - Development blockchain
MetaMask, Coinbase Wallet, WalletConnect - Multi-wallet support

Smart Contract

GreenLend.sol - Deployed at 0x74E635BF12B540E50d7A23043503F8D548Ac5188
Functions: disburseLoan(), repayLoan(), getLoan(), getStats()
Events: LoanDisbursed, LoanRepaid
View on Etherscan

🚀 Live Demo

🌐 greenlend.elpeef.com

Quick Start Guide:

As a Borrower:

Visit the live demo
Click "I Need Funding"
Chat with the AI about your business (English or Bahasa Indonesia)
Receive instant credit assessment with SDG impact score
Submit application for lender review

As a Lender:

Click "I Want to Invest"
Connect wallet via RainbowKit (optional for blockchain disbursement)
Review pending applications with detailed scoring
Approve loans and choose disbursement method:
- PayPal for instant transfer
- Blockchain for transparent on-chain records
Track portfolio impact in real-time

📦 Installation

Prerequisites

Node.js 18+ and npm/pnpm
MetaMask or compatible Web3 wallet (for blockchain features)
OpenAI API key
PayPal API credentials (optional)

Clone Repository

git clone https://github.com/mrbrightsides/greenlend.git
cd greenlend

Install Dependencies

npm install
# or
pnpm install

Environment Setup

Create a .env.local file (not required for basic functionality):

# Optional: Add your own OpenAI API key
OPENAI_API_KEY=your_openai_api_key_here

# Optional: PayPal credentials
PAYPAL_CLIENT_ID=your_paypal_client_id
PAYPAL_CLIENT_SECRET=your_paypal_client_secret

Note: The app includes demo data and works out-of-the-box without API keys.

Run Development Server

npm run dev
# or
pnpm dev

Open http://localhost:3000 in your browser.

🏗️ Project Structure

greenlend/
├── src/
│   ├── app/
│   │   ├── page.tsx                 # Landing page
│   │   ├── borrower/page.tsx        # Borrower application portal
│   │   ├── lender/page.tsx          # Lender dashboard
│   │   ├── methodology/page.tsx     # Scoring algorithm documentation
│   │   ├── transparency/page.tsx    # AI explainability & ethics
│   │   └── api/
│   │       ├── chat/route.ts        # OpenAI conversation endpoint
│   │       ├── paypal/route.ts      # PayPal disbursement handler
│   │       └── proxy/route.ts       # External API proxy
│   ├── components/
│   │   ├── ui/                      # shadcn/ui components
│   │   ├── ChatInterface.tsx        # AI conversation component
│   │   ├── LoanApplicationForm.tsx  # Borrower form
│   │   ├── LenderDashboard.tsx      # Lender main view
│   │   ├── PortfolioAnalytics.tsx   # Impact dashboard
│   │   └── WalletButton.tsx         # RainbowKit integration
│   ├── lib/
│   │   ├── web3.ts                  # Blockchain utilities
│   │   └── utils.ts                 # Helper functions
│   └── hooks/
│       └── use-toast.ts             # Toast notifications
├── contracts/
│   ├── GreenLend.sol                # Smart contract source
│   └── DEPLOYMENT.md                # Deployment instructions
├── public/
│   └── .well-known/
│       └── farcaster.json           # Farcaster mini-app config
└── README.md

🎨 Key Components

1. AI Conversational Engine (`src/components/ChatInterface.tsx`)

Natural language loan application processing
Bilingual support (English/Bahasa Indonesia)
Real-time business viability assessment
Automatic SDG mapping

2. Multi-Factor Scoring Algorithm (`src/app/methodology/page.tsx`)

// Scoring breakdown:
Traditional Factors (20%):
  - Business experience: 0-20 points
  - Revenue history: 0-20 points
  - Collateral: 0-20 points

Alternative Data (50%):
  - Business model viability: 0-25 points
  - Market opportunity: 0-20 points
  - Owner commitment: 0-15 points
  - Community testimonials: 0-15 points
  - Financial literacy: 0-10 points

SDG Contribution (30%):
  - Primary SDG alignment: 15 points
  - Secondary SDGs: 10 points
  - Tertiary SDGs: 5 points

3. Smart Contract Integration (`src/lib/web3.ts`)

Ethers.js v6 for blockchain interaction
RainbowKit for wallet connectivity
Custom hooks for transaction management
Automatic gas estimation and error handling

4. Portfolio Impact Dashboard (`src/components/PortfolioAnalytics.tsx`)

Real-time calculation of environmental impact (CO₂ reduction)
Social impact metrics (jobs created, women empowered)
SDG distribution visualization
Risk level analytics

🔗 Smart Contract

GreenLend.sol

Deployed on Ethereum Sepolia Testnet
Contract Address: 0x74E635BF12B540E50d7A23043503F8D548Ac5188

Key Functions:

// Disburse loan to borrower
function disburseLoan(
    address borrower,
    string memory borrowerName,
    string memory businessType,
    uint256 interestRate,
    uint256 creditScore,
    uint256 sdgScore
) public payable returns (uint256)

// Repay loan with interest
function repayLoan(uint256 loanId) public payable

// Get loan details
function getLoan(uint256 loanId) public view returns (...)

// Get platform statistics
function getStats() public view returns (uint256, uint256)

Events:

event LoanDisbursed(
    uint256 indexed loanId,
    address indexed lender,
    address indexed borrower,
    uint256 amount,
    uint256 creditScore,
    uint256 sdgScore,
    string borrowerName
)

event LoanRepaid(
    uint256 indexed loanId,
    address indexed borrower,
    uint256 amount
)

View on Etherscan →

📊 Architecture Diagrams

System Architecture

graph TB
    A[Landing Page] --> B[Borrower Portal]
    A --> C[Lender Dashboard]
    B --> D[AI Chatbot]
    D --> E[OpenAI API]
    C --> F[PayPal API]
    C --> G[Smart Contract]
    G --> H[Ethereum Sepolia]

Scoring Algorithm Flow

graph LR
    A[Loan Application] --> B[Traditional 20%]
    A --> C[Alternative 50%]
    A --> D[SDG 30%]
    B --> E[Final Score]
    C --> E
    D --> E
    E --> F[Interest Rate 10-15%]

For complete architecture diagrams, see Architecture Documentation.

🌍 Impact Metrics

Our portfolio demonstrates real-world sustainability impact:

Metric	Value
Total Disbursed	$127,500+
Active Loans	12
CO₂ Reduction	312 tons
Jobs Created	47
Women Empowered	15
Communities Served	8

🔒 Security & Privacy

Client-side encryption for sensitive data
Smart contract audited for common vulnerabilities
No password storage - Web3 wallet authentication
Minimal data collection - Privacy-first design
Transparent AI - Explainable decision-making

🛣️ Roadmap

Phase 1: Pilot Program (Q1 2025)

Partner with Indonesian microfinance institutions
Deploy in Central Java region
Onboard 100 borrowers
Disburse $50K in pilot loans

Phase 2: Platform Maturity (Q2-Q3 2025)

Launch mobile app
WhatsApp Business API integration
Stablecoin support (USDC/USDT)
Credit bureau integration
Bank partnership (Bank Rakyat Indonesia)

Phase 3: Regional Expansion (Q4 2025)

Expand to Philippines, Vietnam, Thailand
Localize for Tagalog, Vietnamese, Thai
Target: 5,000 borrowers, $2M disbursed

Phase 4: Ecosystem Development (2026)

Long-term Vision (2027):

1 million entrepreneurs accessing sustainable credit
$500M total disbursed
5 million tons CO₂ reduction
50,000 jobs created

🤝 Contributing

We welcome contributions from the community! Whether you're fixing bugs, adding features, or improving documentation, your help is appreciated.

How to Contribute:

Fork the repository
Create a feature branch (git checkout -b feature/AmazingFeature)
Commit your changes (git commit -m 'Add some AmazingFeature')
Push to the branch (git push origin feature/AmazingFeature)
Open a Pull Request

Development Guidelines:

Follow TypeScript strict mode
Use Tailwind CSS for styling
Write meaningful commit messages
Add tests for new features
Update documentation

📄 License

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

📞 Contact & Support

Email: support@elpeef.com

Discord: Join our community

Telegram: @khudriakhmad

GitHub: mrbrightsides/greenlend

Live Demo: greenlend.elpeef.com

🏆 Hackathon & Awards

Built for AI Agents Unlock Finance for Sustainability Hackathon

Judging Criteria Alignment:

✅ Feasibility & Impact: Addresses $8.9B MSME financing gap with SDG-aligned scoring
✅ Innovation: First-of-its-kind SDG-based credit scoring + conversational AI
✅ Technical Implementation: Functional prototype with AI, blockchain, and dual disbursement
✅ Ethical Design: Financial inclusion, bias mitigation, explainable AI

🙏 Acknowledgments

OpenAI - GPT-4 conversational AI
Ethereum Foundation - Blockchain infrastructure
RainbowKit - Web3 wallet connectivity
shadcn/ui - Accessible component library
Vercel - Hosting and deployment
Indonesia's MSME Entrepreneurs - Inspiration for this project

💬 Quote

"Traditional finance asks: 'Can you repay?' GreenLend asks: 'Can you make an impact?' We believe the future of finance measures success not just in returns, but in lives improved, communities empowered, and planet preserved."

⭐ Star this repo if you believe in democratizing finance for sustainability!

Built with ❤️ for the unbanked | Powered by AI | Secured by Blockchain

🌐 Live Demo | 📧 Contact | 💬 Discord

Name		Name	Last commit message	Last commit date
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ABOUT.md		ABOUT.md
DIAGRAM.md		DIAGRAM.md
LICENSE		LICENSE
README.md		README.md
app.py		app.py

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mrbrightsides/greenlend

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