A transparent plan for building Africa's next-generation decentralized savings platform. Last Updated: November 25, 2025
Chamaa.API is organized into 8 phases, each with specific deliverables and timelines. This roadmap is synced with GitHub Issues and project milestones.
Total Issues: 102 | Status: Open to Contributors ✅
Foundation - Project structure and basic configurations
- #6 - Initialize Node.js backend project (Turbo-repo)
- Comprehensive documentation (README, CONTRIBUTING)
- Environment Variables (.env) + secrets management
- ✅ Monorepo structure ready for development
- ✅ Development environment setup documented
- ✅ Contribution guidelines established
Setup infrastructure and install required tools for monitoring
- #14 - Setup database (MongoDB/Postgres)
- #15 - Implement user model
- #21 - Implement group model
- #22 - Implement transaction model
- #63 - Configure PostgreSQL + TypeORM
- #68 - API rate limiting & Validation middleware
- #73 - Monitoring stack
- #74 - Prometheus (metrics collection)
- #75 - Grafana (Visual dashboards)
- #76 - Loki (centralized logging)
- #77 - Health checks & uptime alerts
- #78 - System metrics dashboard
- #79 - Error tracking (Sentry / OpenTelemetry)
- #71 - Add redis (Cache + queue)
- #72 - Integrate RabbitMQ for background jobs
- #69 - Container orchestration (Docker Compose)
- #70 - Nginx reverse proxy + HTTPS (Lets encrypt / Traefik)
Total issues in this phase: 15
Backend API endpoints and core business logic
- #16 - Create Member Registration Endpoint
- #17 - Implement Member Login Endpoint
- #23 - API: User registration & login
- #64 - Implement Auth (Firebase)
- #24 - API: Create group + join group
- #18 - Create Contributions Endpoint
- #19 - Fetch Member Contributions
- #28 - API: Transaction history
- #33 - Sync wallet balances
- #66 - Wallet and Transactions endpoints
- #20 - Create Loan Request Endpoint
- #25 - API: Request loan
- #26 - API: Approve/reject loan (voting system)
- #27 - API: Loan repayment + penalties
- #29 - Integrate M-Pesa Daraja API
- #30 - Integrate Airtel Money API
- #31 - Integrate PayPal REST API
- #32 - Abstract payment service layer
- #65 - Mpesa + Paypal API integration
Total issues in this phase: 20+
Smart contracts and blockchain connectivity
- #9 - Research & choose blockchain framework
- #10 - Setup blockchain node connection
- #81 - Integrate Ethereum (Polygon testnet)
- #11 - Write basic smart contract for Chama
- #82 - Smart contract for saving rules
- #83 - Smart contract for Loan approvals
- #12 - Deploy smart contract on testnet
- #13 - Integrate backend with smart contract
- #84 - Add Nethereum or Ether.js integration
- #85 - Store on-chain transaction hashes
- #43 - Smart contract: enforce contribution rules
- #44 - Smart contract: repayment deadlines & penalties
- #45 - Backend: cron job for overdue loans
Total issues in this phase: 14
Voting system and governance features
- #91 - Implement DAO-style voting system
- #92 - Smart contracts based proposal
- #93 - Real-time voting (socket.io / SignalR)
- #46 - Record, display voting history and onchain results dashboard
- #90 - Display blockchain ledger + voting feed
- #106 - Admin Dashboard (
GET /api/admin/overview) - #107 - Group Management (
PATCH /api/admin/groups/:id/status) - #108 - Member management (
PATCH /api/admin/members/:id/role) - #109 - System settings (
PUT /api/admin/settings)
- #59 - Analytics dashboard
- #50 - Audit logging (
GET /api/admin/audit)
Total issues in this phase: 11
Building a fully functional Android application
- #7 - Initialize Android project (Kotlin, MVVM, Room DB)
- #34 - Android: User registration & login
- #35 - Android: Create/join chama group UI
- #36 - Android: Wallet balance screen
- #40 - Android: Transaction history screen
- #37 - Android: Contribution screen
- #38 - Android: Loan request screen
- #39 - Android: Loan approval voting screen
- #41 - Android: Push notifications
- #42 - Android: Profile & settings UI
- #87 - Add firebase login
- #88 - Implement API calls (Retrofit)
- #89 - Add offline caching
Total issues in this phase: 14
Automated deployment and infrastructure scaling
- #8 - CI/CD pipelines (GitHub Actions / Render / Fly.io)
- #94 - CI/CD automation (build → test → deploy)
- #51 - Docker + Docker compose environment
- #52 - Deploy backend to cloud
- #53 - Deploy contracts to testnet
- #54 - Distribute Android APK
- #55 - Write unit tests
- #56 - Write integration tests
- #80 - Auto-scaling and worker management
- #95 - Versioned API releases
- #96 - Database migrations and rollback strategy
- #98 - Daily backups (DB + wallets)
- #99 - Performance profiling (APM tools)
- #100 - Load testing (k6 / locust)
- #101 - Blue-green deployment or canary releases
- #102 - Cost monitoring (cloud budgets, resource optimization)
Total issues in this phase: 16
Advanced features and future roadmap
- #47 - Encrypt sensitive data
- #48 - Role-based access control
- #49 - Fraud prevention
- #97 - Security hardening (rate limits, CSP headers, owasp scan)
- #104 - KYC verification (identity API)
- #86 - Blockchain explorer-style dashboard (Grafana or custom UI)
- #57 - Investment pooling feature
- #58 - NFT-based member IDs
- #60 - Multi-language support
- #61 - AI-powered credit scoring
- #103 - Tokenized group savings (DeFi integration)
- #105 - Governance token for DAO participation
Total issues in this phase: 12
- 🟢
good first issue- Perfect for newcomers - 🟡
help wanted- More complex, needs collaboration - 🟣
realtime- Real-time features (Socket.io, WebSockets) - 🟠
feature- New functionality - 🔵
backend- Backend/API work - 🟤
blockchain- Blockchain & smart contracts - 🟪
smart-contracts- Solidity contracts - 🟣
governance- Voting & DAO systems - 🟢
testing- Tests & QA
We welcome contributions at all phases! Here's how to get started:
- Review CONTRIBUTING.md for guidelines
- Check GitHub Issues and use filters
- Look for
good first issuelabel if you're new to the project - Comment "I'd like to work on this" to claim an issue
- Follow the development setup in README.md
- Submit a Pull Request with your changes
New Contributors:
- Phase 1: Documentation tasks
- Phase 2: Database schema and model implementation
- Phase 3: Simple API endpoints (user, group management)
Intermediate Contributors:
- Phase 4: Blockchain integration
- Phase 5: Governance & Admin features
- Phase 8: Security & compliance
Advanced Contributors:
- Phase 6: Android app development
- Phase 7: DevOps & infrastructure
- Full end-to-end feature implementation
| Phase | Status | Timeline | Issues |
|---|---|---|---|
| Phase 1: Project Setup | 🟢 Complete | Q4 2025 | 3 |
| Phase 2: Infrastructure | 🔴 0% | Q1 2026 | 15 |
| Phase 3: Core API | 🔴 0% | Q1 2026 | 20+ |
| Phase 4: Blockchain | 🔴 0% | Q2 2026 | 14 |
| Phase 5: Governance | 🔴 0% | Q2 2026 | 11 |
| Phase 6: Mobile App | 🔴 0% | Q2-Q3 2026 | 14 |
| Phase 7: DevOps | 🔴 0% | Continuous | 16 |
| Phase 8: Long Term | 🔴 0% | Q3+ 2026 | 12 |
Total: 102 Issues | View on GitHub
chamaa.api/
├── apps/
│ ├── api/ # NestJS REST API
│ │ ├── modules/
│ │ │ ├── auth/ # Authentication (Phase 3)
│ │ │ ├── user/ # User management (Phase 3)
│ │ │ ├── group/ # Group management (Phase 3)
│ │ │ ├── wallet/ # Wallet & transactions (Phase 3)
│ │ │ ├── loan/ # Loan system (Phase 3)
│ │ │ ├── payment/ # Payment integration (Phase 3)
│ │ │ ├── proposal/ # Governance (Phase 5)
│ │ │ ├── admin/ # Admin dashboard (Phase 5)
│ │ │ └── notification/ # Real-time updates
│ │ ├── common/ # Filters, interceptors, pipes
│ │ └── config/ # Database, environment
│ └── blockchain/ # Smart contract integration (Phase 4)
│ ├── services/
│ │ ├── polygon.service.ts
│ │ ├── ethers.service.ts
│ │ └── contract.service.ts
│ └── contracts/ # Solidity contracts
├── packages/
│ ├── shared/ # Types & interfaces
│ └── config/ # ESLint, Prettier configs
├── infra/
│ ├── docker/ # Docker & Compose configs
│ ├── ci-cd/ # GitHub Actions workflows
│ └── scripts/ # Migration & setup scripts
├── docs/
│ ├── architecture.md # System design
│ ├── api-spec.md # API documentation
│ └── blockchain.md # Blockchain guide
└── android/ # Android app (Phase 6)
├── app/
├── data/ # Room DB, APIs, Repos
├── ui/ # Activities, Fragments
└── viewmodel/ # ViewModels
| Layer | Technology |
|---|---|
| Backend | NestJS, TypeScript, Node.js 18+ |
| Database | PostgreSQL, TypeORM |
| Caching | Redis |
| Message Queue | RabbitMQ |
| Blockchain | Polygon (Mumbai Testnet), Ethers.js, Solidity |
| Authentication | Firebase Authentication, JWT |
| Payments | M-Pesa Daraja, Airtel Money, PayPal |
| Mobile | Android, Kotlin, MVVM, Room DB, Retrofit |
| Monitoring | Prometheus, Grafana, Loki, Sentry |
| DevOps | Docker, GitHub Actions, Render/Fly.io |
| Testing | Jest, Hardhat |
- This roadmap is living and continuously updated based on community feedback
- Issues are designed to be completed in phases—maintain dependency order
- See CONTRIBUTING.md for detailed development guidelines
- All commits must follow Conventional Commits standard
- Issues are tagged with difficulty levels and category labels for easy discovery
Mission: Build a transparent, blockchain-powered savings platform for African communities.
Vision: Enable financial inclusion through decentralized, community-driven technology.