Moistello Frontend

Next.js 14 application delivering decentralized ROSCA (Rotating Savings and Credit Association) platform to 1.7B+ unbanked adults via Stellar blockchain.

Business Model

Moistello digitizes traditional savings circles (esusu, tontine, chit fund) using Soroban smart contracts. Members contribute USDC/XLM regularly, receiving periodic payouts based on programmed rules.

Core Value Proposition

• Financial Inclusion: Banking services for unbanked adults without traditional accounts
• Trustless Transparency: Smart contracts enforce rules automatically
• Portable Reputation: MoiScore (0-1000) builds lifelong financial reputation
• Sub-cent Fees: Stellar transactions <$0.001, protocol fee 0.5% on payouts

Circle Types

Type	Description	Access Control
Public	Anyone meeting minimum MoiScore can join	Permissionless
Private	Invite-only via link or code	Restricted
Community	Token-gated (DAO/token holder only)	Multi-sig
Premium	Higher limits, priority support, collateralized	Permissioned

Payout Modes

Mode	Mechanism
Random	VRF selects recipient (provably fair)
Fixed Order	Pre-defined sequential distribution
Auction (Chit Fund)	Members bid discount, winner gets pool minus discount
Vote-Based	Community votes recipient each round

MoiScore Reputation (0-1000)

Factor	Weight
Streak (consecutive on-time payments)	35%
Completions (successful circles)	30%
Volume (total contributed)	20%
Recency (recent activity)	15%

Score tiers unlock higher circle limits and lower collateral requirements.

Technology Stack

Category	Technology
Framework	Next.js 14 (App Router)
Language	TypeScript 5.x
Styling	Tailwind CSS 3.x
State	Zustand 5.x
Animation	Framer Motion
Icons	Lucide React
Build	Turbopack

Business-Centric Project Structure

src/
├── app/
│   ├── (auth)/
│   │   ├── login/page.tsx            # 557-line login monolith
│   │   └── register/page.tsx         # 914-line registration monolith
│   ├── (dashboard)/
│   │   ├── circles/page.tsx          # Circle discovery/listings
│   │   ├── circles/create/page.tsx   # Circle creation with 4 payout types
│   │   ├── governance/page.tsx       # Community voting interface
│   │   ├── reputation/page.tsx         # Score display + tier benefits
│   │   ├── wallet/page.tsx           # USDC/XLM balance + transactions
│   │   └── settings/page.tsx         # Profile + notification prefs
│   └── docs/                         # Documentation pages
├── stores/
│   ├── multi-wallet-store.ts         # Wallet connection state
│   ├── auth-store.ts               # Session tokens
│   ├── ui-store.ts                 # Theme, toasts
│   └── auth-flow-store.ts            # Auth orchestration (REDUNDANT)
└── lib/
    └── wallet/
        └── wc2-session-store.ts      # Weak hash for session IDs (FORGEABLE)

Authentication Business Flow

Login (Existing Users)

[Wallet Connect] → [Sign Challenge] → [JWT Token] → [Authenticated]

Registration (New Users)

[Wallet Connect] → [Passkey Email] → [Profile Setup] → [Sign & Register] → [Authenticated]

Circle Management

Lifecycle States

• Pending: Circle created, waiting for members
• Active: Contributions and payouts in progress
• Completed: All members received payouts
• Cancelled: Organzier cancelled before start
• Disputed: Under review

Penalty System

Parameter	Default	Range
Late Fee	5%	Configurable
Grace Period	24h	1-168h
Max Strikes	3	1-10
Collateral	0%	Optional

Getting Started

Prerequisites

• Node.js 18+
• npm 9+ or yarn 1.22+

Installation

npm install
npm run dev

Access at http://localhost:1110

Development Scripts

Command	Description
dev	Development server on port 1110
build	Production build
lint	ESLint checks
test	Run test suite

Contributing

1. Branch from main
2. Follow existing conventions
3. Add tests for changes
4. Pass npm run lint
5. Submit PR with description

License

Apache 2.0