Add Mobile Money (Mpesa) Smart Contract Bridge for Amana

[Proposal setup] Proposal title

Please provide your proposal title

Add Mobile Money (Mpesa) Smart Contract Bridge for Amana

[Proposal Summary] Budget Information

Enter the amount of funding you are requesting in ADA

18000

[Proposal Summary] Time

Please specify how many months you expect your project to last

6

[Proposal Summary] Translation Information

Please indicate if your proposal has been auto-translated

No

Original Language

en

[Proposal Summary] Problem Statement

What is the problem you want to solve?

African cooperatives using mobile money like M-pesa need seamless blockchain integration but manual bridging creates friction and reconciliation challenges.

[Proposal Summary] Supporting Documentation

Supporting links

• https://amana-dapp.vercel.app/
,
• https://github.com/Amana-CE/amana-dapp
,
• https://github.com/Amana-CE/amana-sc

[Proposal Summary] Project Dependencies

Does your project have any dependencies on other organizations, technical or otherwise?

No

Describe any dependencies or write 'No dependencies'

Mpesa mobile Money provider as the first mobile money provider we will be integrating with.

[Proposal Summary] Project Open Source

Will your project's outputs be fully open source?

Yes

License and Additional Information

MIT License for core bridge components (smart contracts, API integration modules, and documentation) enabling maximum reusability. Frontend dashboard components will use Apache 2.0 License. This approach balances open ecosystem contribution with practical project sustainability.

[Theme Selection] Theme

Please choose the most relevant theme and tag related to the outcomes of your proposal.

DeFi

[Campaign Category] Category Questions

Describe what makes your idea innovative compared to what has been previously funded (whether by you or others).

First direct M-Pesa-Cardano integration enabling existing African cooperatives to incrementally adopt blockchain without abandoning familiar mobile money workflows. Unlike projects creating new digital entities, we bridge established cooperative structures with blockchain, letting members use M-Pesa while gaining blockchain benefits automatically.

Describe what your prototype or MVP will demonstrate, and where it can be accessed.

Amana MVP (https://amana-dapp.vercel.app/)) demonstrates on-chain cooperative entity creation, tokenized member management, and working treasury/governance modules on Cardano testnet. Users can create cooperatives, manage member tokens, and execute treasury operations through smart contracts. Currently improving governance features to add mobile money integration for seamless M-Pesa bridging.

Describe realistic measures of success, ideally with on-chain metrics.

On-chain Metrics:

2+ cooperative entities created using enhanced treasury validator

50+ M-Pesa transactions bridged to on-chain operations

20+ unique wallets interacting with bridge contracts

Off-chain Metrics:

M-Pesa API integration with 99%+ uptime

2+ pilot cooperatives providing positive feedback

Open-source bridge documentation published

Technical:

Functional testnet deployment with M-Pesa integration

30% reduction in manual reconciliation processes

[Your Project and Solution] Solution

Please describe your proposed solution and how it addresses the problem

African cooperatives rely heavily on mobile money (M-Pesa) for daily operations, but current blockchain solutions require manual bridging between mobile money and on-chain transactions. This creates operational friction, reconciliation challenges, and limits real-world adoption of Amana's cooperative management platform.

Our bridge directly integrates M-Pesa with Cardano smart contracts, enabling automatic synchronization of mobile money transactions with on-chain cooperative operations. Core features include:

• Direct API integration between M-Pesa and enhanced treasury validators
• Automated transaction reconciliation between mobile money and blockchain records
• Seamless member contributions through mobile money with on-chain reflection

Technical implementation:

• Enhance Amana's existing treasury validator with mobile money transaction verification
• Add automated reconciliation mechanisms for off-chain/on-chain balance matching
• Create secure API gateway for M-Pesa integration

This addresses the key barrier to blockchain adoption in African cooperative finance: the gap between familiar mobile money systems and blockchain technology.

[Your Project and Solution] Impact

Please define the positive impact your project will have on the wider Cardano community

This bridge will demonstrate Cardano's real-world utility for financial inclusion. We'll measure impact through:

• Adoption metrics: 2+ pilot cooperatives, 50+ bridged transactions
• User satisfaction: Positive feedback from pilot users
• Efficiency gains: Reduced manual reconciliation time

The project creates ecosystem value by:

• Establishing M-Pesa bridge on Cardano
• Demonstrating practical financial inclusion applications
• Creating reusable integration patterns for African blockchain projects
• We'll share outputs through open-source bridge components and integration documentation.

[Your Project and Solution] Capabilities & Feasibility

What is your capability to deliver your project with high levels of trust and accountability? How do you intend to validate if your approach is feasible?

**John Ndigirigi **brings Cardano smart contract development expertise combined with understanding of African mobile money systems. As Hyperledger Identus contributor and proven Catalyst deliverer, I have both technical skills and local market knowledge necessary for successful mobile money integration.

The existing Amana MVP (https://amana-dapp.vercel.app/)) demonstrates working cooperative management on Cardano testnet, providing a foundation for mobile money bridge integration.

Jambi Kagwe provides development support with fullstack expertise and mobile payment integration experience.

[Milestones] Project Milestones

Milestone Title

Milestone 1: Enhanced Smart Contracts & M-Pesa Integration

Milestone Outputs

• Extended treasury validator enhanced with mobile money bridge capabilities enabling direct M-Pesa integration and automated transaction processing
• Comprehensive M-Pesa API integration with webhook processing for real-time transaction verification and secure mobile money operations
• Basic automated reconciliation mechanisms synchronizing off-chain mobile money transactions with on-chain cooperative treasury operations

Acceptance Criteria

• Working smart contracts with mobile money verification capabilities, enabling automatic validation of M-Pesa transactions and secure on-chain treasury operations
• Successful M-Pesa API connections with stable webhook integration, real-time transaction processing, and reliable mobile money provider communication
• Basic balance reconciliation system automatically synchronizing M-Pesa account balances with on-chain cooperative treasury balances and transaction records

Evidence of Completion

• GitHub repository with enhanced smart contracts including mobile money bridge validator, M-Pesa integration modules, and comprehensive documentation for cooperative treasury management
• M-Pesa API integration test results demonstrating successful webhook processing, transaction verification, and reliable mobile money provider connectivity with performance metrics
• Testnet deployment proof showing functional cooperative entities, working M-Pesa bridge integration, and validated smart contract operations on Cardano testnet environment

Delivery Month

2

Cost

9000

Progress

30 %

Milestone Title

Bridge Architecture & Processing

Milestone Outputs

• Secure API gateway with rate limiting, authentication, and comprehensive security measures for safe M-Pesa integration and transaction processing
• Real-time webhook processing system enabling instant M-Pesa transaction notifications and automated blockchain synchronization for cooperative operations
• Automated token operations based on mobile money flows, including minting/burning mechanisms triggered by M-Pesa deposits and withdrawals

Acceptance Criteria

• Functional API gateway with robust security measures, proper authentication, rate limiting, and comprehensive logging for M-Pesa transaction processing
• Working webhook processing system with real-time M-Pesa transaction capture, validation, and automatic triggering of on-chain cooperative operations
• Automated ADA/token operations based on M-Pesa deposits, including secure minting, burning, and treasury balance updates with transaction verification

Evidence of Completion

• API gateway documentation and comprehensive security testing results demonstrating proper authentication, rate limiting, and vulnerability assessment reports
• Webhook processing demonstrations showing real-time M-Pesa transaction capture, validation workflows, and successful on-chain operation triggering
• Automated token operation videos displaying end-to-end M-Pesa deposit flows, automatic token minting, and treasury balance synchronization processes

Delivery Month

4

Cost

6000

Progress

60 %

Milestone Title

Frontend & Testing

Milestone Outputs

• Mobile money bridge dashboard with real-time transaction monitoring, balance synchronization status, and comprehensive analytics for cooperative treasury management
• Intuitive deposit/withdrawal interface enabling seamless M-Pesa transactions with clear user guidance, transaction status updates, and mobile-responsive design
• Pilot cooperative testing program with real-world validation, user training, feedback collection, and iterative improvements based on actual usage

Acceptance Criteria

• Working dashboard for bridge monitoring displaying real-time M-Pesa transaction status, on-chain synchronization progress, and detailed audit trails for cooperative operations
• User-friendly mobile money interface with intuitive design, clear transaction flows, mobile optimization, and comprehensive error handling for M-Pesa operations
• Testing with pilot cooperatives including successful onboarding, real transaction processing, user training completion, and documented feedback collection

Evidence of Completion

• Live dashboard screenshots demonstrating real-time monitoring capabilities, transaction analytics, balance synchronization status, and comprehensive audit trail functionality
• User interface videos showcasing complete M-Pesa deposit/withdrawal workflows, mobile responsiveness, and intuitive user experience across different devices
• Pilot cooperative feedback including detailed testimonials, usage metrics, identified improvements, and documented user satisfaction with mobile money integration

Delivery Month

6

Cost

3000

Progress

100 %

[Final Pitch] Budget & Costs

Please provide a cost breakdown of the proposed work and resources

Smart Contract Development (50%): ₳9,000

• Enhanced treasury validator with mobile money bridge capabilities
• Transaction validation systems
• Automated reconciliation mechanisms

M-Pesa API Integration (30%): ₳5,400

• M-Pesa API integration
• Webhook processing system
• Security measures

Frontend Development (20%): ₳3,600

• Mobile money bridge dashboard
• Deposit/withdrawal interface
• Testing and optimization

[Final Pitch] Value for Money

How does the cost of the project represent value for the Cardano ecosystem?

This bridge addresses a critical barrier to blockchain adoption in Africa, where mobile money transactions exceed $500 billion annually but remain disconnected from blockchain ecosystems.

Measurable Impact:

• Deploy with 2 pilot cooperatives
• Process 50+ monthly bridged transactions demonstrating real utility
• Reduce manual reconciliation time by 75%
• Document user satisfaction through structured feedback and case studies

Ecosystem Value Creation:

• Pioneer M-Pesa integration on Cardano: First working bridge between Africa's dominant payment system and Cardano, establishing technical precedent
• Unlock African markets: Enable Cardano adoption in Kenya's $2.7B mobile money ecosystem, with replication potential across 15+ African countries
• Real-world validation: Prove Cardano's capability for financial inclusion through actual cooperative finance use cases
• Developer resources: Create open-source integration patterns and documentation for future African blockchain projects

Strategic Significance:

This project positions Cardano as the blockchain platform for emerging market financial inclusion. Success here creates a template for mobile money integration across Sub-Saharan Africa, where 548 million people use mobile money services but lack access to blockchain benefits.

The bridge transforms theoretical blockchain potential into practical financial tools for African communities, demonstrating Cardano's real-world utility beyond speculative applications.

[Required Acknowledgements] Consent & Confirmation

Terms and Conditions:

Yes