FlowLedger

Your Unified, Verifiable Income Ledger — On and Off the Chain

🎯 Pitch Deck

View FlowLedger Pitch Deck

🎯 Certification

View Certification

Overview

FlowLedger empowers African freelancers and SMEs to track, prove, and grow their income—whether paid in Naira via Paystack or USDC via Hedera—with full ownership and zero lock-in.

The Problem We Solve

African freelancers and SMEs face critical challenges:

• Fragmented Income Tracking: Payments scattered across Paystack (NGN) and crypto wallets (USDC)
• Income Verification Struggles: Difficulty proving earnings for loans, visas, and business partnerships
• Platform Lock-in: Traditional solutions trap users in proprietary systems
• High Verification Costs: Expensive blockchain solutions exclude African users
• Unreliable Infrastructure: Solutions that don't work with spotty internet connectivity

✨ Key Features

🎯 Unified Income Dashboard

• Track Paystack NGN and Hedera USDC payments in one beautiful interface
• Real-time transaction syncing and categorization
• Multi-currency support with automatic conversion rates

🔒 Verifiable Income Reports

• Generate tamper-proof reports anchored on Hedera Consensus Service
• Shareable proof links for loans, visas, and business partnerships
• Cryptographic verification that anyone can independently confirm

👤 Self-Owned Data

• Complete ownership and control of your financial history
• No platform lock-in - export your data anytime
• Privacy-first approach with encrypted sensitive information

💰 Ultra-Low Cost Verification

• Hedera transactions cost less than $0.01 per verification
• Perfect for African freelancers - no expensive gas fees
• Pay-per-use model with no monthly subscriptions

🌍 Built for Africa

• Works with unreliable internet connections
• Supports local payment methods (Paystack)
• Designed for the African freelance economy

🛠 Tech Stack

• Frontend: Next.js 15, React 19, Tailwind CSS v4
• Database: PostgreSQL with Prisma ORM
• Blockchain: Hedera Hashgraph (HCS + HTS)
• Wallet: Reown (WalletConnect v2) for EVM wallets
• Payments: Paystack API integration
• Authentication: JWT-based auth
• Deployment: Vercel (Frontend) + Railway (Database)

Setup Instructions

1. Environment Variables

Copy the .env.local file and fill in your actual values:

# Reown Project ID - Get from https://cloud.reown.com/
NEXT_PUBLIC_REOWN_PROJECT_ID="your_project_id_here"

# Database - PostgreSQL connection string
DATABASE_URL="postgresql://username:password@localhost:5432/flowledger"

# JWT Secret for authentication
JWT_SECRET="your_secure_jwt_secret_here"

# Paystack (for API integration)
PAYSTACK_PUBLIC_KEY="pk_test_your_paystack_public_key"

# Hedera Network Configuration
NEXT_PUBLIC_HEDERA_NETWORK="testnet"
HEDERA_OPERATOR_ID="0.0.your_operator_id"
HEDERA_OPERATOR_KEY="your_operator_private_key"

# HCS Topic ID for income attestations
NEXT_PUBLIC_HCS_TOPIC_ID="0.0.your_topic_id"

# App URL for shareable links
NEXT_PUBLIC_APP_URL="http://localhost:3000"

2. Database Setup

1. Create a PostgreSQL database
2. Update the DATABASE_URL in .env.local
3. Run Prisma migrations:

npx prisma migrate dev --name init
npx prisma generate

3. Hedera Setup

1. Create a Hedera testnet account at portal.hedera.com
2. Get your Account ID and Private Key
3. Create an HCS topic for income attestations
4. Update the Hedera environment variables

4. Reown Setup

1. Create a project at cloud.reown.com
2. Get your Project ID
3. Update NEXT_PUBLIC_REOWN_PROJECT_ID

5. Install Dependencies & Run

npm install --legacy-peer-deps
npm run dev

🚀 How It Works

For Freelancers & SMEs

1. 🔗 Connect Your Accounts

   • Link your EVM wallet (MetaMask, Trust Wallet, Coinbase Wallet)
   • Connect your Paystack account with encrypted API keys
   • Automatic transaction syncing begins immediately

2. 📊 Track All Income

   • View unified dashboard with NGN and USDC payments
   • Real-time transaction updates and categorization
   • Historical data analysis and growth tracking

3. 📋 Generate Verifiable Reports

   • Create income reports for any date range
   • Anchor reports on Hedera Consensus Service for tamper-proof verification
   • Get shareable links that anyone can independently verify

4. 🎯 Use for Real-World Needs

   • Visa Applications: Prove income to embassies and consulates
   • Loan Applications: Show banks your verified earning history
   • Business Partnerships: Demonstrate financial credibility to investors
   • Apartment Rentals: Provide landlords with verified income proof

🎯 Target Users

👨‍💻 African Freelancers

• Developers, designers, writers, marketers
• Earning from both local (Paystack) and international (crypto) clients
• Need income verification for visas, loans, and business growth

🏢 Small & Medium Enterprises (SMEs)

• Digital agencies and service providers
• E-commerce businesses with mixed payment methods
• Companies seeking investment or business partnerships

🏦 Financial Institutions

• Banks needing verified income data for loan approvals
• Fintech companies building on verified financial data
• Investment firms evaluating SME creditworthiness

🔌 API Endpoints

• POST /api/auth/connect - Authenticate with wallet
• POST /api/paystack/connect - Link Paystack account
• POST /api/transactions/sync - Sync transactions from both sources
• GET /api/transactions - Get transaction history
• POST /api/reports/generate - Generate verifiable income report
• POST /api/reports/verify - Manually verify report on Hedera HCS

💡 Why FlowLedger?

🌍 Built for Africa

• Understands the unique challenges of African freelancers
• Supports local payment infrastructure (Paystack)
• Affordable blockchain verification (< $0.01 per report)
• Works with unreliable internet connectivity

🔐 Trust & Verification

• Blockchain-anchored reports provide immutable proof
• Independent verification by third parties
• No central authority can manipulate your income history

💰 Economic Impact

• Enables access to loans and credit for underbanked freelancers
• Facilitates international business partnerships
• Supports visa applications with verifiable income proof
• Reduces barriers to financial inclusion

📊 Database Schema

• Users: Wallet addresses and encrypted Paystack keys
• Transactions: Unified transaction records from both sources
• IncomeReports: Generated reports with HCS verification
• ExchangeRates: Currency conversion rates
• VirtualAccounts: Paystack virtual account details
• PaymentLinks: Generated payment links for income collection

🔒 Security & Privacy

• 🔐 Encryption: Paystack secret keys encrypted with AES-256
• 🎫 Authentication: JWT tokens for secure session management
• ⛓️ Blockchain Security: HCS provides tamper-proof verification
• 👤 Data Ownership: Users maintain complete control of their data
• 🚫 No Lock-in: Export your data anytime, no platform dependency
• 🔍 Transparency: Open-source codebase for community audit

🌟 Success Stories

"FlowLedger helped me get my Canadian visa approved! The blockchain-verified income report showed exactly what I earned from both local Nigerian clients and international crypto payments." - Adaora O., Lagos

"As a developer working with global clients, tracking crypto and Paystack payments was a nightmare. FlowLedger made it simple and gave me the credibility I needed with investors." - Kwame A., Accra

"The tamper-proof reports gave me instant credibility with the bank. I got my business loan approved in record time." - Fatima A., Cairo

🤝 Contributing

We welcome contributions from the community! Here's how you can help:

1. 🍴 Fork the repository
2. 🌿 Create a feature branch (git checkout -b feature/amazing-feature)
3. ✨ Make your changes with proper testing
4. 📝 Commit your changes (git commit -m 'Add amazing feature')
5. 🚀 Push to the branch (git push origin feature/amazing-feature)
6. 📬 Submit a pull request

🎯 Areas We Need Help

• UI/UX improvements for mobile experience
• Additional payment provider integrations
• Multi-language support (French, Arabic, Swahili)
• Advanced analytics and reporting features

📄 License

MIT License - see LICENSE file for details

🆘 Support & Community

• 📧 Email: support@flowledger.com
• 💬 Discord: Join our community
• 🐦 Twitter: @FlowLedger
• 📖 Documentation: docs.flowledger.com
• 🐛 Issues: GitHub Issues

🙏 Acknowledgments

• Hedera Hashgraph for providing affordable, fast consensus
• Paystack for enabling seamless African payment integration
• African Developer Community for inspiration and feedback
• Open Source Contributors who make this project possible

---

Built with ❤️ for African freelancers and SMEs

FlowLedger - Your Unified, Verifiable Income Ledger