# BNPL + Digital Thrift Integration for Existing PHP/MySQL Website

This package integrates a unified fintech suite into the existing website structure instead of shipping a separate standalone project.

## What was added

### User-side modules inside `mobile/home/`
- `fintech-hub.php` — unified BNPL + thrift user dashboard
- `marketplace.php` — BNPL marketplace with product search and categories
- `product-details.php` — product details and financing calculator/application
- `bnpl-plans.php` — customer installment applications and plan status
- `credit-profile.php` — credit profile and internal score update
- `thrift.php` — public/private thrift group discovery and joining
- `thrift-create.php` — create ROSCA/Ajo/Esusu groups
- `merchant-center.php` — merchant onboarding and product upload
- `wallet-ledger.php` — fintech wallet ledger connected to the existing subscriber wallet
- `kyc-plus.php` — BNPL/thrift KYC status layer
- `rewards.php` — referral, cashback, coupons, loyalty and VIP preview
- `support-center.php` — support tickets and AI chatbot UI preview
- `financial-insights.php` — spending/credit/repayment insight UI
- `developer-fintech-api.php` — fintech API overview

### Admin/Super Admin modules inside `admin/dashboard/`
- `fintech-dashboard.php` — main fintech control center
- `bnpl-products.php` — product approval/status management
- `bnpl-orders.php` — BNPL applications and admin approval
- `bnpl-credit.php` — credit scoring and risk records
- `bnpl-repayments.php` — installment schedule/repayment monitoring
- `bnpl-deliveries.php` — delivery management shell
- `thrift-groups.php` — thrift group management
- `thrift-contributions.php` — contribution and payout monitoring
- `merchants.php` — merchant approval/status management
- `fintech-wallets.php` — wallet ledger/reconciliation view
- `fraud-monitoring.php` — AI fraud/risk monitoring events
- `fintech-reports.php` — analytics/reporting module
- `fintech-support.php` — support tickets and disputes
- `fintech-api-logs.php` — API/webhook audit view
- `fintech-settings.php` — BNPL/thrift/risk/payment settings
- `super-admin-fintech.php` — global platform control center and logo concepts

### Backend classes
- `core/Models/FintechModel.php`
- `core/Controllers/FintechController.php`

These use the existing `core/Models/Model.php` database connection. No second database credential file was introduced.

### API endpoint
- `api/fintech/index.php`

Supported actions include:
- `?action=categories`
- `?action=products`
- `?action=product&id=1`
- `?action=credit_profile`
- `?action=bnpl_plans`
- `?action=bnpl_apply` via POST
- `?action=thrift_groups`
- `?action=thrift_create` via POST
- `?action=wallet_ledger`

The endpoint uses the existing API token validation pattern from your current system.

### UI assets
- `mobile/home/assets/fintech/fintech.css`
- `mobile/home/assets/fintech/fintech.js`
- `admin/dashboard/assets/fintech/fintech.css`
- `admin/dashboard/assets/fintech/fintech.js`
- 10 temporary SVG logo concepts
- 4 temporary SVG banner/product concepts

### Database files
- `database/fintech_bnpl_thrift_migration.sql` — import this into your existing database after your normal SQL.
- `database/jjbytesc_gpec_with_bnpl_thrift.sql` — your existing SQL plus the new fintech migration appended.

## Installation

1. Upload the integrated project files to your server.
2. Import `database/fintech_bnpl_thrift_migration.sql` into the same database used by the existing website.
3. Keep your existing DB credentials in `core/Models/Model.php`.
4. Login as a user and open `mobile/home/fintech-hub`.
5. Login as admin and open `admin/dashboard/fintech-dashboard`.

## Payment Point integration note

Payment Point was not replaced. The fintech module is designed to sit beside your existing wallet/payment gateway logic. Wallet funding can continue through the current Payment Point flow, while BNPL/thrift records, ledger references, fraud checks, and reports are stored in the new `fin_*` tables.

## Production checklist before public launch

- Connect live Payment Point webhooks to `fin_wallet_ledger` for automated reconciliation.
- Add real KYC/BVN/NIN provider response mapping to `fin_kyc_documents` and `fin_credit_profiles`.
- Run database migration in staging first.
- Run penetration testing and transaction reconciliation testing.
- Confirm regulatory/compliance requirements before holding or lending real money.
- Add cron jobs for repayment reminders, thrift contribution reminders, penalties, settlements and backups.

### Automation/Cron
- `cron/fintech_scheduler.php` marks overdue BNPL installments, missed thrift contributions, and creates in-app repayment reminders.

### Optional webhook bridge
- `webhook/fintech/paymentpoint-ledger.php` logs raw Payment Point payloads into `fin_webhook_logs` for reconciliation.
- Your existing Payment Point gateway files were not overwritten.