Paygent

Paygent is a Next.js monolith for AI-assisted supplier payouts for Nigerian SMEs, built on ZendFi primitives.

Local Setup

1. Install dependencies:

npm install

2. Create environment file:

cp .env.example .env.local

3. Run development server:

npm run dev

4. Open http://localhost:3000.

Project Layout

• src/app - UI and route handlers
• src/lib - domain services (policy, audit, provider clients)
• migrations - SQL schema versions
• docs - execution blueprint and implementation checklists

Key References

• docs/EXECUTION_BLUEPRINT.md
• docs/IMPLEMENTATION_CHECKLIST.md
• docs/API_CONTRACTS.md
• docs/DB_ROLLOUT.md
• docs/DEPLOY_CHECKLIST.md
• migrations/0001_paygent_mvp.sql

Storage Backends

• Default: PAYGENT_STORAGE_BACKEND=file (local development)
• Production-ready: PAYGENT_STORAGE_BACKEND=postgres with DATABASE_URL

When using Postgres mode, apply migrations from migrations/0001_paygent_mvp.sql through migrations/0003_paygent_store_state.sql.

Quick migration command:

npm run db:migrate

Security Notes

• Do not commit live API keys.
• Keep ZENDFI_API_KEY and GEMINI_API_KEY in secret storage.
• Rotate keys immediately if exposed in logs or chat.