FusePay Documentation

Building the Future of Digital Payments Across Africa

Version: 1.0.0

Table of Contents

1. Introduction
2. Vision
3. Mission
4. Core Principles
5. Technology Stack
6. Project Architecture
7. Repository Structure
8. System Overview
9. Authentication
10. Authorization
11. User Roles
12. Customer Application
13. Admin Application
14. Backend Architecture
15. Database Design
16. Wallet System
17. Payment Flow
18. Airtime Module
19. Data Module
20. Gift Card Module
21. Transaction System
22. Notification System
23. Security
24. API Standards
25. Development Standards
26. Branch Strategy
27. Contributing
28. Testing
29. Deployment
30. Roadmap

1. Introduction

FusePay is an open-source fintech platform designed to provide secure, scalable, and modern digital financial services.

The platform begins with:

• Wallet
• Airtime
• Data
• Gift Cards

Future releases will include:

• Bill Payments
• Virtual Accounts
• Bank Transfers
• Merchant Payments
• QR Payments
• Business Accounts
• Savings
• Blockchain Services
• Open APIs

2. Vision

To become Africa's leading open-source digital payment platform by empowering developers and businesses to build secure financial solutions.

3. Mission

Build secure fintech infrastructure that is:

• Open Source
• Developer Friendly
• Highly Scalable
• Secure by Design
• Easy to Extend

4. Core Principles

Security First

Every feature must prioritize security.

Modular Architecture

Every module should be independently maintainable.

Developer Experience

Simple setup.

Clear documentation.

Consistent coding standards.

Scalability

The architecture should support millions of users.

5. Technology Stack

Frontend

• Next.js
• React
• TypeScript
• Tailwind CSS
• TanStack Query
• Zustand
• React Hook Form
• Zod

Backend

• NestJS
• Prisma ORM
• PostgreSQL
• Redis
• BullMQ

Infrastructure

• Docker
• GitHub Actions
• Nginx
• Cloudflare

6. Repository Structure

FusePay

├── fusepay-web
├── fusepay-api
├── fusepay-mobile
├── fusepay-contracts
├── fusepay-design-system
├── fusepay-docs
└── .github

---

7. System Architecture

Users
      │
      ▼
Next.js Web App
React Native App
Admin Dashboard
      │
      ▼
NestJS API
      │
      ▼
Authentication
Wallet
Transactions
Payments
Notifications
Admin
Analytics
      │
      ▼
PostgreSQL
Redis
Queue Workers
      │
      ▼
External Services

Paystack

Flutterwave

Monnify

VTU Providers

SMS

Email

---

8. Customer Application

Modules

• Authentication
• Dashboard
• Wallet
• Fund Wallet
• Airtime
• Data
• Gift Cards
• Transactions
• Notifications
• Profile
• Settings
• Security
• Referral
• Support

9. Admin Application

Modules

• Dashboard
• User Management
• Wallet Management
• Transactions
• Airtime Orders
• Data Orders
• Gift Cards
• Providers
• Notifications
• Reports
• Revenue
• Audit Logs
• Settings

10. Authentication

Authentication verifies the identity of a user.

Supported features

• Registration
• Login
• Logout
• OTP Verification
• Password Reset
• Refresh Token
• Session Management

Flow

Phone

↓

Password

↓

Backend

↓

Verify

↓

Generate JWT

↓

Return Access Token

↓

Authenticated

11. Authorization

Authorization determines what a user is allowed to access.

Roles

Customer

Support

Finance

Operations

Admin

Super Admin

Permissions are checked on every protected API request.

12. Security Model

Security Layers

• Password Hashing
• JWT Authentication
• Refresh Tokens
• OTP Verification
• HTTPS
• API Validation
• Role-Based Access Control
• Audit Logs
• Rate Limiting
• Webhook Signature Verification
• MFA for Admins (recommended)
• Approval workflows for sensitive admin actions

13. Wallet System

Capabilities

• Wallet Balance
• Ledger Balance
• Credit
• Debit
• Freeze
• Unfreeze
• Transaction History
• Reversal

Wallet Flow

Fund Wallet

↓

Payment Verified

↓

Credit Wallet

↓

Save Transaction

↓

Send Notification

14. Airtime Module

Features

• MTN
• Airtel
• Glo
• 9mobile

Operations

• Buy Airtime
• Purchase History
• Retry Failed Orders
• Digital Receipts

15. Data Module

Features

• Network Selection
• Plan Selection
• Purchase
• History
• Retry Failed Transactions

16. Gift Card Module

Features

• Browse Gift Cards
• Purchase
• History
• Rates
• Receipt Generation

Future

• Gift Card Marketplace
• P2P Trading

17. Transaction System

Every financial operation creates a transaction.

Types

• Wallet Funding
• Wallet Debit
• Wallet Credit
• Airtime Purchase
• Data Purchase
• Gift Card Purchase
• Refund
• Reversal

Statuses

Pending

Successful

Failed

Cancelled

Reversed

18. Notification System

Channels

• Email
• SMS
• Push Notifications
• In-App Notifications

Triggers

• Login
• Wallet Funding
• Purchases
• Refunds
• Password Changes
• Security Alerts

19. Database Design

Core Tables

Users

Wallets

Transactions

AirtimeOrders

DataOrders

GiftCards

GiftCardOrders

Notifications

AuditLogs

AdminUsers

---

20. API Standards

Versioning

/api/v1/

Example

POST /api/v1/auth/login

GET /api/v1/wallet

POST /api/v1/airtime

POST /api/v1/data

GET /api/v1/transactions

Standard Response

Success

{
  "success": true,
  "message": "Request successful",
  "data": {}
}

Error

{
  "success": false,
  "message": "Unauthorized",
  "errors": []
}

21. Error Codes

200 OK

201 Created

400 Bad Request

401 Unauthorized

403 Forbidden

404 Not Found

409 Conflict

422 Validation Error

429 Too Many Requests

500 Internal Server Error

22. Folder Structure

Frontend

src

app

components

features

hooks

services

store

types

utils

styles

Backend

src

modules

common

config

database

auth

wallet

transactions

payments

notifications

admin

23. Coding Standards

General

• TypeScript only
• Strict typing
• Small reusable components
• Keep functions focused
• Document public APIs

Naming

Components

PascalCase

Hooks

camelCase

Files

kebab-case

Constants

UPPER_SNAKE_CASE

24. Git Workflow

Main Branch

main

Development

develop

Feature

feature/wallet

feature/airtime

Bug Fix

bugfix/login

Documentation

docs/api

25. Commit Convention

feat:

fix:

docs:

refactor:

style:

test:

chore:

Example

feat(wallet): add wallet funding endpoint

fix(auth): resolve refresh token validation

docs(api): update login endpoint

26. Pull Request Process

1. Fork Repository

2. Create Branch

3. Implement Feature

4. Run Tests

5. Update Documentation

6. Submit Pull Request

27. Testing

Testing Levels

Unit Tests

Integration Tests

End-to-End Tests

Performance Tests

Security Tests

Every pull request should pass automated CI checks before merging.

28. Deployment

Frontend

Vercel

Backend

Docker

Nginx

PostgreSQL

Redis

Cloudflare

Monitoring

Sentry

Logging

Centralized application logs

29. Documentation Standards

Every feature should include:

• Overview
• Architecture
• Flow Diagram
• API Endpoints
• Database Changes
• Security Considerations
• Testing Notes
• Future Improvements

30. Contributing

We welcome contributions from developers of all experience levels.

Contributors can help by:

• Fixing bugs
• Building new features
• Improving documentation
• Writing tests
• Improving accessibility
• Optimizing performance
• Reviewing pull requests
• Reporting security issues responsibly

Please read the CONTRIBUTING.md guide before opening a pull request.

31. Future Roadmap

Phase 1

• Wallet
• Airtime
• Data
• Gift Cards
• Authentication
• Admin Dashboard

Phase 2

• Electricity Bills
• TV Subscriptions
• Internet Bills
• Referral System
• Coupons
• Analytics

Phase 3

• Bank Transfers
• Virtual Accounts
• Merchant Payments
• QR Payments
• Business Accounts
• Mobile App

Phase 4

• Blockchain Integration
• Smart Contracts
• Escrow
• Multi-Currency Wallet
• Open API Platform
• Developer SDKs

Community

We believe great fintech software should be transparent, secure, and community-driven. Whether you're fixing your first bug, designing user interfaces, improving documentation, or building core infrastructure, your contributions help make FusePay better for everyone.

Welcome to the FusePay community.