MicroSave

Frictionless Wealth Generation Infrastructure

A B2B2C micro-saving plug-in that automatically rounds down transactions and saves spare change. Built as infrastructure for banks — not a competing app, but a layer that powers savings across any platform.

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What It Does

Every time a user makes a transfer, MicroSave automatically calculates the spare change (e.g., ₦4,850 → ₦5,000 = ₦150 saved) and moves it into a savings wallet. Users never feel the loss — but over time, it compounds.

Features

• Auto Round-Down Savings — Spare change after every transfer is saved automatically
• Configurable Threshold — Round to nearest ₦10, ₦50, ₦100, ₦500, or ₦1,000
• Savings Period Lock — Flex, 30-Day, 90-Day, 6-Month, or 1-Year lock tiers with interest
• 4-Digit PIN Security — Real banking-style PIN verification before every transfer
• Balance Hide/Show — OPay-style toggle to hide balances on-screen
• Real-Time WebSocket Updates — Instant balance and transaction updates across sessions
• Open Banking Mock — Simulated bank connection (ALAT, Kuda, GTBank, etc.)
• AI Savings Nudges — Smart prompts based on spending patterns and salary detection
• Community Savings — Group savings goals and排行榜
• Savings Challenges — Gamified streaks and milestones
• REST API + SDK — Live API endpoints for third-party integration
• Session Persistence — Login survives page refresh via localStorage
• Mobile Responsive — Optimized layout for phones and tablets

Tech Stack

Layer	Technology
Frontend	React 19, Vite 8, Lucide Icons
Backend	Node.js, WebSocket (ws), HTTP REST API
Styling	Inline JSX (dark theme, no CSS framework)
Real-Time	WebSocket protocol for instant updates
Deploy	Vercel (frontend), Render (WebSocket server)

Getting Started

Prerequisites

• Node.js 18+
• npm

Install

git clone https://github.com/odiliemmanuel/MicroSave.git
cd microsave
npm install

Run Development

# Terminal 1 — WebSocket server
node server.js
# Terminal 2 — Vite dev server
npm run dev

Open http://localhost:5173

Build for Production

npm run build

Output goes to dist/

API Endpoints

Method	Endpoint	Description
GET	/api/health	Health check
GET	/api/v1/users	List all users
GET	/api/v1/stats	Platform statistics
GET	/api/v1/roundup/config	Round-up configuration
GET	/api/v1/lock/tiers	Available lock tiers

WebSocket Messages

Type	Direction	Description
signup	Client → Server	Create new account
signin	Client → Server	Sign in with email
transfer	Client → Server	Send money (requires PIN)
update_threshold	Client → Server	Change round-down threshold + period
connect_bank	Client → Server	Connect a bank account
lock_savings	Client → Server	Lock savings for a tier
unlock_savings	Client → Server	Break savings lock
auto_save	Server → Client	Auto round-down triggered
transfer_success	Server → Client	Transfer completed
pin_error	Server → Client	Incorrect PIN

Default PIN

For demo purposes, every account is created with PIN: 1234

Project Structure

microsave/
├── server.js # WebSocket + REST API server
├── src/
│ ├── App.jsx # Root component, WebSocket handler
│ ├── index.css # Global styles + mobile responsive
│ ├── components/
│ │ ├── Dashboard.jsx # Main dashboard
│ │ ├── Signup.jsx # Sign up / Sign in
│ │ ├── TransferModal.jsx # Transfer with PIN verification
│ │ ├── SaveModal.jsx # Auto savings config
│ │ ├── LockModal.jsx # Savings lock tiers
│ │ ├── OpenBankingConnect.jsx
│ │ ├── ApiDemo.jsx # Live API endpoint tester
│ │ ├── SavingsChallenges.jsx
│ │ ├── CommunitySavings.jsx
│ │ ├── AiNudges.jsx
│ │ └── NotificationToast.jsx
│ ├── hooks/
│ │ └── useWebSocket.js # WebSocket client hook
│ └── utils/
│ └── helpers.js # formatNaira, timeAgo, etc.
├── render.yaml # Render deployment config
├── vite.config.js
└── HACKAHOLICS_SUBMISSION.md # Pitch document

License

MIT

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Built for Hackaholics 7.0 at Wema Bank.