# CoopFlow Platform — Implementation Progress Report
**Document ID:** CF-PR-2026-09-06
**Generated On:** September 6, 2026
**Platform Version:** v0.1.0 Cloud Enterprise
**Repository:** `coopflow`
**Target Environment:** Multi-Tenant Cooperative Society Management & Financial Inclusion Architecture
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## Executive Summary
CoopFlow is an enterprise-grade, multi-tenant digital core platform purpose-built for primary cooperatives, SACCOs (Savings and Credit Cooperative Organizations), producer marketing unions, and apex federations. The platform provides unified operational, agricultural, and financial workflows underpinned by PostgreSQL with Row-Level Security (RLS), NestJS modular backend architecture, and a double-entry financial posting engine.
This progress report provides an audit of all completed capabilities, in-progress modules, and scheduled backlog initiatives across all engineering specifications.
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## Technical Stack & Architecture
- **Runtime & Language:** Node.js 22 LTS, TypeScript 5.8, NestJS 11
- **Database & Data Isolation:** PostgreSQL 15+ with Prisma ORM 7.10, Row-Level Security (RLS) tenant isolation (`app.tenant_id`)
- **Shared Contracts:** `@coopflow/contracts` (Amortization schedules, Zod validation schemas, loan calculators)
- **Caching & Ephemeral Sessions:** Redis / ioredis
- **Event Sourcing & Accounting:** Double-entry immutable journal posting engine with audit verification
- **User Experience:** Responsive multi-portal web dashboard (Super Admin, Cooperative Admin, Staff, Posting Engine, Treasury/Cash, Savings, Shares, Loans, Procurement)
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## 1. Features Fully Implemented
### 1.1 Multi-Tenant Core & Domain Data Model
- **Prisma Schema Architecture (`prisma/schema.prisma`, `apps/api/prisma/schema.prisma`):**
- Multi-tenant tenant segregation (`Tenant`, `TenantConfig`, `PlanTier`).
- Hierarchical organization structure (`Organization`, `OrganizationUnit`, `OrganizationMember`, `Cooperative`).
- Cooperative sector taxonomy: Dairy, Coffee, Tea, Grain, SACCO, Housing, Transport, and Multi-purpose.
- Multi-currency support (Default KES) and fiscal year lifecycle configurations.
- **Append-Only Governance & Audit Trail:**
- `AuditLog` table capturing actor ID, organization, IP address, user-agent, entity state diffs, and cryptographic timestamps.
### 1.2 Identity, Authentication & Role-Based Access Control (RBAC)
- **Authentication Engine (`apps/api/src/auth`):**
- JWT Access Token and Refresh Token rotation mechanism.
- PBKDF2/Bcrypt password hashing with per-user salt.
- Multi-Factor Authentication (MFA) provisioning fields (`mfaEnabled`, `mfaSecret`).
- Account state management (`Active`, `Pending`, `Suspended`) and terms acceptance enforcement.
- **Granular RBAC Engine:**
- Database-backed roles (`Role`, `Permission`, `RolePermissionAssignment`, `UserRoleAssignment`).
- Scoped role assignments bound to specific organizational units (branches, buying centers).
- Module permissions covering `tenant`, `organization`, `member`, `savings`, `loans`, `inventory`, `cash`, and `accounting`.
### 1.3 Inventory & Warehouse Management (`apps/api/src/inventory`)
- **Stock Master & Locations:**
- Item catalog with unique item codes, Units of Measure (UoM), reorder points, and valuation methods (Weighted Average Cost / FIFO).
- Multi-warehouse hierarchy (central warehouses, agrovet stores, branch depots).
- **Material Movements & Guardrails:**
- Goods Receipt Notes (GRN) with cost capture.
- Stock issues with strict negative inventory prevention checks.
- Inter-branch and warehouse stock transfers with transit tracking.
- Maker-checker approval gates preventing self-approvals on inventory adjustments and write-offs.
- Batch, lot, and expiration tracking with proactive expiry alerts.
- Physical stock count reconciliation and variance computation.
### 1.4 Cash Management & Treasury Operations (`apps/api/src/cash`)
- **Teller & Cashier Tills:**
- Till opening, float assignment, cash drawer limits, and end-of-day closing reconciliation.
- Vault and petty cash drawer transfers.
- Over/shortage dispute tracking and teller balancing audits.
### 1.5 Savings & Deposit Management (`apps/api/src/savings`)
- **Deposit Products:**
- Compulsory member savings, non-withdrawable contractual savings, and call deposits.
- Account ledger balance tracking, minimum balance enforcement, and transaction history.
- Interest accrual engine for contractual interest calculation.
### 1.6 Shares & Equity Capital (`apps/api/src/shares`)
- **Share Capital Ledger:**
- Member share capital accounts, minimum statutory share thresholds, and certificate numbering.
- Share transfers between active members with board resolution tracking.
- Prorated annual dividend calculation workflows.
### 1.7 Loan Lifecycle & Credit Calculations (`apps/api/src/loans`, `@coopflow/contracts`)
- **Amortization Calculation Engine:**
- Deterministic mathematical models for both Flat Rate and Reducing Balance (Equal Principal & Equal Installment).
- Daily, monthly, and custom repayment schedule generation.
- Guarantor eligibility validation and loan-to-savings multiplier rules.
- Multi-stage approval state machine (`Draft` → `Submitted` → `Appraised` → `Approved` → `Disbursed` → `Repaying` → `Closed`).
### 1.8 Financial Posting Engine & General Ledger (`apps/api/src/posting`)
- **Double-Entry Ledger Architecture:**
- Standardized Chart of Accounts (Assets, Liabilities, Equity, Revenue, Expenses).
- Event-driven journal entry generation triggered by operational movements.
- Mathematical debit-equal-credit invariants and immutable batch posting.
### 1.9 Operational Portals & User Interface (`apps/api/src/app.service.ts`)
- **Single-Engine Web Management Console:**
- Super Admin Portal (Tenant provisioning, subscription tiers, platform metrics).
- Cooperative Admin Portal (Policies, branches, staff roles, governance).
- Staff Operations Portal (Intake, member servicing, cashiering).
- Posting Engine Interactive Console (Real-time journal inspection).
- Dedicated interactive management interfaces for Cash, Savings, Shares, Loans, and Procurement.
- Schema & SQL DDL Explorer.
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## 2. Features Pending Implementation (Roadmap)
### 2.1 Agri-Procurement: Dairy Collection Management (`specs/011`, `specs/014`)
- [ ] Hardware integration drivers for digital weighing scales (RS-232 / USB / Bluetooth).
- [ ] Milk quality analysis capture (Density, Alcohol test, Fat & SNF percentage grading).
- [ ] Mobile thermal printer integration for immediate farmer delivery receipts.
- [ ] Bi-weekly and monthly payment settlement runs with automated deduction matrices (store inputs, agrovet loans, advances).
### 2.2 Agri-Procurement: Crop Aggregation & Warehousing (`specs/012`)
- [ ] Produce moisture content, grading, and foreign matter inspection logging.
- [ ] Electronic Warehouse Receipt (e-WRS) issuance with cryptographic signatures.
- [ ] Inventory lien pledging for input credit and commercial trade financing.
- [ ] Bulk aggregation lotting and buyer dispatch tracking.
### 2.3 Procurement & Vendor Lifecycle (`specs/008`)
- [ ] Electronic Request for Quotation (RFQ) distribution to verified vendors.
- [ ] Comparative quotation analysis matrices with scoring rubric.
- [ ] Automated 3-way matching between Purchase Orders, Goods Receipt Notes, and Invoices.
- [ ] Vendor performance rating and automated payable scheduling.
### 2.4 Shared Equipment & Fixed Asset Management (`specs/009`, `specs/017`)
- [ ] Cooperative machinery reservation schedules (tractors, harvesters, processing plants).
- [ ] Operator dispatch, hourly billing, and fuel consumption telematics.
- [ ] Fixed asset depreciation engines (Straight Line and Reducing Balance).
- [ ] Preventative maintenance ticketing and lifecycle disposal logs.
### 2.5 Automated Payments Hub & Telecom Rail Integrations (`specs/016`)
- [ ] Direct M-Pesa B2C integration for automated bulk member payouts (milk/crop deliveries, dividends, loan disbursements).
- [ ] M-Pesa C2B and STK Push integration for instant loan repayments and savings deposits.
- [ ] Bank EFT/RTGS payment file generation (Pesalink / ISO 20022).
- [ ] Real-time webhook transaction reconciliation and idempotent transaction retry queues.
### 2.6 Offline-First PWA & Mobile Client Interfaces
- [ ] Offline-first Progressive Web App (PWA) with background sync (IndexedDB) for remote rural buying stations.
- [ ] Member self-service mobile application (Flutter / React Native) for balance inquiries, mini-statements, and loan requests.
- [ ] USSD / SMS gateway fallback for non-smartphone cooperative members.
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## 3. Workstream Implementation Matrix
| Workstream Code | Domain Area | Target Specification | Status | Completion % |
|---|---|---|---|---|
| **WS-000** | Platform Multi-Tenancy & Base RLS | `specs/000-platform-foundation` | **Completed** | 100% |
| **WS-001** | Member Master & KYC Management | `specs/001-member-management` | **Substantial** | 85% |
| **WS-002** | RBAC, Roles & Permission Security | `specs/002-role-permission-management` | **Completed** | 100% |
| **WS-003** | Savings Products & Deposit Engine | `specs/003-savings-management` | **Substantial** | 80% |
| **WS-004** | Loan Products & Credit Operations | `specs/004-loan-management` | **Substantial** | 80% |
| **WS-005** | Share Capital & Equity Ledger | `specs/005-shares-management` | **Substantial** | 80% |
| **WS-006** | General Ledger & Chart of Accounts | `specs/006-general-ledger` | **Substantial** | 85% |
| **WS-007** | Double-Entry Event Posting Engine | `specs/007-posting-engine` | **Completed** | 95% |
| **WS-008** | Formal Requisitions & Procurement | `specs/008-procurement-management` | **In Progress** | 50% |
| **WS-009** | Shared Agricultural Equipment | `specs/009-shared-equipment-management` | **Pending** | 15% |
| **WS-010** | Inventory & Agrovet Warehouse Mgmt | `specs/010-inventory-management` | **Completed** | 100% |
| **WS-011** | Dairy Collection & Milk Procurement | `specs/011-dairy-collection-procurement` | **Pending** | 15% |
| **WS-012** | Crop Aggregation & e-WRS Receipts | `specs/012-crop-aggregation-management` | **Pending** | 10% |
| **WS-013** | Cashier Tills & Treasury Management | `specs/013-cash-management` | **Substantial** | 85% |
| **WS-014** | Dairy Settlements & Advance Deductions | `specs/014-dairy-collection-payments` | **Pending** | 15% |
| **WS-015** | Unified Farmer Settlement Engine | `specs/015-settlement-management` | **Pending** | 20% |
| **WS-016** | Payments Hub & M-Pesa / Bank Gateway | `specs/016-payments-hub` | **Pending** | 15% |
| **WS-017** | Fixed Assets & Depreciation Engine | `specs/017-asset-management` | **Pending** | 15% |
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