Empowers Drivers to Own Their Tricycles While Investors Earn Predictable Returns
3riKE is a real-world asset platform that enables tricycle (including EV) drivers to achieve ownership while providing investors with stable, non-crypto-correlated yield — powered by Canton Network smart contracts and stablecoin settlement.
Live demo: 3rike-mobility.vercel.app · API: threerike-mobility.onrender.com · Docs: Swagger
Both Electric Capital and Y Combinator have highlighted the same opportunity:
| Source | Insight |
|---|---|
| Electric Capital | Stablecoin holders need yield that doesn't drop when BTC drops. The opportunity is bringing real-world infrastructure yields on-chain. |
| Y Combinator | Tokenized real-world assets under traditional compliance frameworks can bridge regulated finance and crypto — using stablecoins for yield, access, and cross-border efficiency. |
3riKE sits directly at this intersection — real infrastructure, real yield, stablecoin-denominated, Canton-secured.
Africa. Starting with Kenya, Rwanda, Ghana.
- 40M+ unemployed young Africans need income pathways, not handouts
- High inflation eroding local currency value — savings in GHS or KES lose purchasing power weekly
- Tricycles are expensive and nearly impossible to finance through traditional banks
- 70%+ of driver–owner relationships end in dispute — drivers lack signed ownership agreements and can lose their vehicle at any time, with no recourse
- DeFi yields are unpredictable — investors who want stable returns tied to real economic activity have nowhere to go
This instability prevents drivers from building long-term income, asset ownership, or creditworthiness.
3riKE provides a structured, transparent, on-chain path to ownership:
| For Drivers | For Investors |
|---|---|
| Signed ownership agreement — own your tricycle in 70 weeks | Predictable weekly yield from real economic activity |
| Tricycles sourced at near-factory prices, cutting ownership timelines | Fractional entry — buy as little as 1 share (from ~$56) |
| Earn income immediately while paying toward ownership | Returns are non-crypto-correlated — tied to driver repayments, not BTC |
| Build an on-platform credit score that unlocks loans | Full transparency via Canton Network smart contracts |
┌─────────────────────────────────────────────────────────────────────┐
│ 3riKE PLATFORM │
│ │
│ 1. Tricycle registered → tokenized on Canton as TricycleToken │
│ 2. TricycleToken fractionalized into N investor shares │
│ 3. Investors purchase fractions → CC deducted on-chain │
│ 4. Driver receives tricycle + signed ownership agreement │
│ 5. Driver makes weekly repayments (local currency → USDC auto- │
│ conversion) through 3rike.xyz │
│ 6. YieldPayout contracts distribute weekly returns to investors │
│ 7. After 70 weeks → full ownership transfers to driver │
│ │
│ Canton Network ensures every step is auditable, immutable, │
│ and compliant. │
└─────────────────────────────────────────────────────────────────────┘
The fractionalization model allows investors to purchase any number of shares, lowering the barrier to entry and improving liquidity.
Beyond ownership financing, 3riKE includes embedded financial services:
- Savings — Drivers save on the platform and earn from a shared interest pool
- Loans — Drivers with strong repayment history and credit scores ≥ 500 can access low-interest loans
- Credit scoring — Every on-time payment builds a verifiable credit score, unlocking progressively larger financial products
- Loan repayments are structured weekly and aligned with the remaining ownership period of the tricycle
| Feature | Status |
|---|---|
| Driver onboarding + KYC verification | ✅ Live |
| Canton wallet linking + live CC balance | ✅ Live |
| Weekly tricycle repayments (Pay Now) | ✅ Live |
| Savings deposits + balance tracking | ✅ Live |
| Loan application + repayment | ✅ Live |
| Investment marketplace (browse + buy fractions) | ✅ Live |
| On-chain fractionalization via Canton Fractionalize choice | ✅ Live |
| Yield payout tracking (lifetime earnings) | ✅ Live |
| Pre-launch waitlist with referral mechanic | ✅ Live |
| JWT auth + session management + account security | ✅ Live |
| Mobile-first PWA-ready UI | ✅ Live |
| Feature | Description |
|---|---|
| Scheduled Savings | Auto-deduct savings on a driver-set schedule |
| Auto-Restaking | Yield payouts automatically reinvested into new fractions |
| Scheduled Payouts | Investors set withdrawal cadence (weekly, monthly, quarterly) |
| RWA Yield Router | Smart routing of yield across multiple tricycle pools for diversification |
| Paystack Integration | Real GHS/KES deposits via mobile money + bank transfer |
| EV Fleet Expansion | Dedicated EV tricycle financing with green-premium yield tiers |
3riKE creates:
- Employment for millions of underserved African youths
- Asset ownership for drivers who previously had no path to owning their vehicle
- Predictable, real-world yield for stablecoin investors — uncorrelated to crypto market cycles
- A compliant bridge between traditional finance and on-chain infrastructure
- Verifiable credit histories for the unbanked, built on real repayment data
We're building the rails for sustainable mobility, inclusive finance, and on-chain real-world asset ownership in Africa.
| Directory | Description |
|---|---|
3rike-backend/ |
Go + Fiber REST API — auth, financing, savings, loans, Canton integration, waitlist |
3rike-frontend/ |
React 19 + Vite + TypeScript — driver dashboard, investor marketplace, wallet, settings |
3rike-daml/ |
DAML smart contracts — TricycleToken (tokenize, fractionalize, record payment, transfer ownership), SavingsAccount, YieldPayout |
| Layer | Technology |
|---|---|
| API | Go 1.23, Fiber v2, Swagger |
| Database | PostgreSQL 16 (GORM auto-migrate) |
| Cache / Sessions | Redis 7 (JWT sessions, API response caching) |
| Smart Contracts | DAML on Canton Network |
| Blockchain Integration | Canton JSON Ledger API + Keycloak OIDC token provider |
| Auth | JWT + Redis sessions (max 3 concurrent) + 401 auto-logout |
| Frontend | React 19, TypeScript, Vite 7, Tailwind CSS 4, Framer Motion |
| State Management | React Context (AuthProvider with driver/investor profile resolution) |
| i18n | i18next (landing page) |
| Deployment | Render (backend) + Vercel (frontend) |
Public:
POST /waitlist/join·GET /waitlist/stats·GET /waitlist/:codePOST /auth/register·POST /auth/login
Authenticated:
- Auth:
GET /auth/me·PUT /auth/profile·PUT /auth/password·PUT /auth/wallet·GET /auth/wallet/balance·DELETE /auth/account·GET/DELETE /auth/sessions - Drivers:
POST/GET /api/drivers - Investors:
POST/GET /api/investors·GET /api/investors/:id/investments - Tricycles:
POST/GET /api/tricycles·POST tokenize·POST fractionalize·GET /:id/fractions/available - Fractions:
POST /api/fractions(purchase with on-chain Canton Fractionalize) - Payments:
POST /api/payments·GET /api/payments/driver/:id - Savings:
POST /api/savings/deposit·GET /api/savings/:id/balance - Loans:
POST /api/loans·GET /api/loans/:id·PUT /api/loans/:id/repay - Yield:
GET /api/yield/investor/:id
cd 3rike-backend
cp .env.example .env # fill in your values
docker-compose up -d # start Postgres + Redis
go run . # API on :8080Swagger UI: http://localhost:8080/docs/
cd 3rike-frontend
cp .env.example .env # set VITE_API_URL
npm install
npm run dev # dev server on :5173cd 3rike-daml
# requires DAML SDK — curl -sSL https://get.daml.com/ | sh -s 3.1.0
daml build # outputs .daml/dist/3rike-contracts-1.0.0.darBackend (Render):
| Variable | Required | Description |
|---|---|---|
DATABASE_URL |
Yes | Postgres connection string |
REDIS_URL |
Yes | Redis connection string |
JWT_SECRET |
Yes | Token signing secret |
CANTON_URL |
No | Canton JSON Ledger API URL |
CANTON_TOKEN |
No | Static bearer token (or use OIDC below) |
OIDC_TOKEN_URL |
No | Keycloak token endpoint |
OIDC_CLIENT_ID |
No | Keycloak client ID |
OIDC_USERNAME |
No | Keycloak username |
OIDC_PASSWORD |
No | Keycloak password |
Frontend (Vercel):
| Variable | Value |
|---|---|
VITE_API_URL |
https://threerike-mobility.onrender.com |
- Backend README
- Architecture
- Authentication
- Canton / DAML Integration
- Route Documentation
- API Reference (Swagger)
- DAML Contracts README
Built by the 3riKE team. We're creating real economic infrastructure for Africa — one tricycle at a time.
Contact: 3rike.xyz