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DeynCare - AI-Powered Debt Management System

DeynCare is a production-ready, full-stack SaaS platform that helps small and medium Somali businesses manage customer debts with AI-powered risk assessment. The system combines debt tracking, payment processing, and machine learning to predict customer repayment risk

Client

Squad Team

Start Date

May 01, 2025
DeynCare - AI-Powered Debt Management System

Category :  Full Stack Application
Status       : Live & Deployed on VPS


The Problem

Businesses struggle with:
- Tracking customer debts and payments
- Identifying risky customers before extending credit
- Managing payment schedules and reminders
- Getting insights from payment behavior

DeynCare solves this with automated debt tracking, AI risk prediction, and multi-platform access (web + mobile).

Key Features

🔐 Authentication & Security
- JWT-based authentication (access + refresh tokens)
- Role-based access: SuperAdmin, Admin, Employee
- CSRF protection with double-submit cookies
- Rate limiting to prevent abuse
- Secure password hashing with bcrypt

💳 Subscription Management
- **Plans:** Monthly ($10) and Yearly ($8/month)
- **Free Trial:** 14-day trial period
- **Auto-renewal:** Automated subscription renewals
- **CRON Jobs:** Automated reminders and deactivations
 - Trial ending reminders (7, 3, 1 day before)
 - Subscription expiry notifications
 - Auto-renewal processing
 - Expired subscription deactivation

 👤 Customer & Debt Management
- Create and track customer profiles
- Record debts with due dates and amounts
- Monitor outstanding balances
- Track payment history
- Automated payment reminders (Email/SMS)
- Risk assessment for each customer

💸 Payment Processing
- EVC Mobile Money integration
- Manual/offline payment recording
- Background payment verification
- Automatic retry logic for failed payments
- Payment history and receipts

🤖 AI Risk Assessment
ML Models: Predict probability of on-time repayment
- Risk Levels: Low, Medium, High based on:
 - Debt paid ratio
 - Payment delay history
 - Outstanding debt amount
 - Customer type (New/Returning)
- **Hybrid Approach:** ML + business rules for accuracy
- **Real-time API:** FastAPI service with <1s response time
- **Bulk Processing:** CSV upload for batch predictions

📊Reports & Analytics
- Dashboard with key metrics (debts, payments, revenue)
- Risk distribution visualization
- Payment trends and analytics
- Export to Excel/CSV
- Financial snapshots

 🔔 Notifications
Push Notifications:** Firebase Cloud Messaging
Email: Transactional emails via Nodemailer
SMS: Payment reminders and alerts
Types: Payment reminders, debt alerts, subscription warnings

📱Mobile App
- Cross-platform (iOS/Android)
- Offline support with sync
- Push notifications
- PDF report generation
- Camera integration for receipts


 

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