Decentralized Chama (DChama)

Digitizing Trust. Automating Prosperity.

Overview • Key Features • Tech Stack • Getting Started • Architecture

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Overview

Decentralized Chama (DChama) is a modern financial platform that brings traditional Rotating Savings and Credit Associations (ROSCAs) onto the blockchain. By leveraging smart contracts and real-time data synchronization, DChama automates the "Merry-Go-Round" cycle—ensuring transparency, security, and trustless execution for all members.

DChama solves the classic problems of informal groups:

• Trust: Funds are held in a non-custodial smart contract vault.
• Transparency: Every contribution and payout is recorded on-chain.
• Automation: KRNL orchestration ensures payouts happen strictly according to schedule.

How It Works

DChama simplifies the traditional Chama experience into a digital, automated flow:

1. Connect Wallet: Users connect their digital wallet (like MetaMask) to the app. This wallet acts as their identity and bank account.
2. Create or Join: A user can create a new Chama group (setting the contribution amount and cycle) or join an existing one using a Group ID.
3. Contribute: Members contribute funds (ETH) directly to the smart contract vault. These funds are locked and safe.
4. Rotate & Receive: Based on the predetermined schedule, the system automatically enables the next member in line to receive the pooled funds.
5. Track: Everything is visible on the dashboard—who paid, who owes, and whose turn it is next.

Current Network

DChama is currently deployed on the Sepolia Testnet for development and testing purposes.

• Network: Sepolia Testnet (Ethereum)
• Currency: ETH (test tokens)
• Chain ID: 11155111
• Get Test ETH: Sepolia Faucet

Note: This is a testnet deployment. Never use real mainnet funds with this application.

Deployed Contracts

The following smart contracts are currently deployed on Sepolia Testnet:

• ChamaFactory: 0x69990DC035ED6d1Ae845ce956657005E86812d7a
• ChamaKernel: 0x92243e7D704280CFae02478C5ac1c3756c12497B

You can view all transactions, contract code, and events on Sepolia Etherscan using the links above.

Key Features

• 🏦 Smart Vaults: Funds are secured in the ChamaCore contract via the ChamaFactory pattern, not a personal bank account.
• 🔄 Automated Payouts with KRNL: The ChamaKernel uses the KRNL Protocol to orchestrate rotating payouts. It imposes checks (like solvency and time verification) off-chain before authorizing the on-chain release of funds, ensuring the rotation is tamper-proof.
• 📊 Real-Time Dashboard: A responsive UI powered by Supabase for instant feedback, synchronized with on-chain data.
• 📈 Live Contribution Charts: Visual trends showing your group's contribution history with real blockchain data.
• 👛 Wallet Integration: Seamless connection with MetaMask (and compatible wallets) for ETH transactions.
• 🔌 Disconnect Wallet: Easy wallet management with dropdown controls.
• 📱 Mobile First: Fully responsive design optimized for on-the-go management.
• 🛡️ Dual-Write Architecture: Immediate UI updates coupled with immutable blockchain verification.

Tech Stack

Frontend

• Framework: Next.js 16 (App Router, Turbopack)
• Styling: Tailwind CSS & Shadcn UI
• Icons: Lucide React
• Charts: Recharts

Backend & Data

• Database: Supabase (PostgreSQL)
• Authentication: Supabase Auth (Email/Password)
• Indexing: Custom "Dual Write" logic (Frontend → Chain → DB)

Blockchain

• Contracts: Solidity (compiled with foundry)
• Network: Sepolia Testnet (Ethereum)
• Orchestration: KRNL (Kernel) Protocol
• Interaction: Ethers.js v6
• Pattern: Factory Pattern (ChamaFactory creates ChamaCore instances)

Getting Started

Prerequisites

• Node.js 18+
• npm / pnpm
• MetaMask installed with Sepolia testnet configured
• Sepolia test ETH from a faucet

Installation

1. Clone the repository

   git clone https://github.com/eugene-gabriel/decentralized-chama.git
   cd decentralized-chama

2. Install dependencies

   npm install
   # or
   pnpm install

3. Environment Setup Create a .env file in the root directory:

   NEXT_PUBLIC_SUPABASE_URL=your_supabase_urlNEXT_PUBLIC_SUPABASE_ANON_KEY=your_supabase_keyNEXT_PUBLIC_CHAMA_CONTRACT_ADDRESS=your_factory_contract_addressNEXT_PUBLIC_KRNL_KERNEL_ADDRESS=your_kernel_contract_addressNEXT_PUBLIC_NETWORK=SEPOLIA

4. Run Development Server

   npm run dev

   Open http://localhost:3000 to view the app.

5. Connect MetaMask

   • Switch to Sepolia testnet in MetaMask
   • Get test ETH from Sepolia Faucet
   • Connect your wallet to the app

Architecture

1. Smart Contracts

The core logic uses a Factory Pattern:

• ChamaFactory.sol: Creates and manages multiple Chama groups, emits GroupCreated events with sequential IDs.
• ChamaCore.sol: The Vault. Stores funds, manages member registry, and tracks rounds for each group.
• ChamaKernel.sol: The Brain. Validates off-chain logic (via KRNL) and authorizes ChamaCore to release funds.

2. Data Flow

To ensure a snappy UX without waiting for block confirmations for every read:

1. Read: The UI fetches displayed data (Dashboard stats, Member lists, Contribution history) primarily from Supabase.
2. Write: Critical actions (Create Group, Join Group, Contribute, Payout) are executed on the Blockchain.
3. Sync: Successful on-chain transactions trigger updates to Supabase, keeping the two states in sync.

3. Recent Improvements

• ✅ Real-Time Data Integration: All pages now display live blockchain and Supabase data
• ✅ Dynamic Currency Handling: Automatically displays ETH for Sepolia
• ✅ Interactive Dialogs: Functional "Make Contribution" and "Add Member" buttons
• ✅ Contribution History Charts: Visual trends from real transaction data
• ✅ Wallet Management: Disconnect wallet via dropdown menu

License

This project is licensed under the MIT License.