💸 Ajo

AjoProtocol is an open-source, trustless community savings platform (ROSCA) that connects individuals and small business owners directly. By enabling transparent pool tracking, immutable payout schedules, and seamless crypto-backed contributions, we are cutting out the risk of human administrators. This directly improves access to finance for MSME growth, building a reliable working capital ecosystem for local markets.

This repository is a monorepo managed with pnpm workspaces and orchestrated by TurboRepo.

🚀 Tech Stack

• Architecture: pnpm workspaces + TurboRepo
• Frontend (apps/mobile): React Native + Expo + TailwindCSS (NativeWind)
• Backend (apps/api): Node.js, Express, TypeScript
• Smart Contracts (apps/contracts): Soroban (Rust) & Stellar SDK
• Language: TypeScript (Strict Mode) & Rust

✨ Features

• For Members: Browse public savings circles, join with a linked Stellar wallet, make weekly/monthly contributions via stablecoins, and track your exact payout date.
• For MSMEs & Traders: Access bulk financing without traditional banking collateral. Draw down your payout directly to a local bank account or use it to pay verified wholesalers.
• Trust Layer: A decentralized reputation system. Members who consistently meet their contribution deadlines build on-chain credit scores, allowing them to join higher-tier pools.
• Crypto Payments: Automated fund locking and payouts powered by Soroban smart contracts on the Stellar network for fast, borderless, and tamper-proof transactions.

⚡️ Quick Start

1. Prerequisites

Ensure you have the following installed:

• Node.js (v18+)
• Rust (latest stable) & Soroban CLI
• pnpm (v8+)

# Enable pnpm via corepack
corepack enable
# OR install globally
npm install -g pnpm

2. Installation

Clone the repository and install all workspace dependencies:

git clone https://github.com/YOUR_ORG/ajo-protocol.git
cd ajo-protocol
pnpm install

3. Development

Start all applications (Mobile, API, and local Soroban environment) in parallel using TurboRepo:

pnpm dev

Local Services:

• 📱 Mobile App: Expo Go (Local LAN/Simulator)
• ⚙️ Backend API: http://localhost:3001
• 📜 RPC/Soroban: http://localhost:8000

📂 Project Structure

ajo-protocol/
├── apps/
│   ├── mobile/            # React Native Frontend (Member UI)
│   ├── api/               # Core Backend API (Express)
│   └── contracts/         # Soroban Rust Smart Contracts
│
├── packages/
│   ├── types/             # Shared TS interfaces & DTOs
│   ├── config/            # Shared configs (tsconfig, eslint)
│   └── ui/                # Shared UI logic/components 
│
└── turbo.json             # Build pipeline orchestration

📜 Monorepo Commands

Run these scripts from the root directory:

Command	Description
pnpm dev	Starts all apps in development mode.
pnpm build	Builds all apps and packages for production.
pnpm lint	Runs ESLint across the entire monorepo.
pnpm test	Runs test suites across all packages and Rust contracts.
pnpm clean	Clears Turbo caches and build artifacts.

📦 Adding Dependencies

Because this is a workspace, you must specify where packages belong.

Add to a specific app:

cd apps/api && pnpm add stellar-sdk

Link an internal package:

cd apps/mobile && pnpm add "@ajoprotocol/types@workspace:*" -D

🤝 Contributing

We love contributions! AjoProtocol is community-driven, and we welcome developers of all skill levels to help build the future of decentralized savings.

1. Read our Contributing Guide to understand our workflow.
2. Review the Code of Conduct to keep our community approachable and respectable.

Important Rules:

• Always run pnpm lint and make test (for contracts) before pushing.
• Keep shared logic inside the packages/ directory.
• Do not manually edit node_modules.

🛠 Troubleshooting

If you experience module errors after switching branches, clear your workspace:

rm -rf node_modules
pnpm install

📄 License

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

Built with ❤️ by the AjoProtocol Community.