DECENTRALIZED FICO SCORE APP WITH PAYMENT OPTION

About the Project

Pay Score Swift is a decentralized credit scoring and payment system designed to bring transparency and trust into financial transactions. Inspired by the lack of visibility in traditional credit score mechanisms (like CIBIL in India or FICO in the US), we set out to build a platform that empowers users to take control of their financial data through blockchain-based verification.

Inspiration We were driven by the realization that centralized credit scoring systems are often opaque, prone to manipulation, and inaccessible to the masses. Millions of people are excluded from the financial ecosystem due to a lack of credit history. We envisioned a system where:

Financial transactions are transparent.

Credit scores are calculated in real-time based on decentralized, verifiable data.

Payments are seamless, fast, and secure via QR codes.

Users have complete control over their financial footprint.

** What i Built** Frontend: A React + Vite web app styled with Tailwind CSS and deployed on Vercel.

Mobile App: Wrapped using Capacitor and exported as an APK.

QR Scanner: Used to make instant payments to verified merchants.

Razorpay Integration: Secure UPI/credit/debit payments.

Credit Score System: Local simulation with real-time updates, backed by transaction history.

Backend: Node.js + Express API hosted on Render, which dynamically creates Razorpay orders.

Blockchain Layer (Planned/Optional): To store verified transaction hashes for tamper-proof scoring.

** What We Learned** How to integrate Razorpay with both web and mobile platforms.

Building mobile-ready apps using Capacitor without relying on Android Studio.

Securely handling transactions across platforms.

Architecting a modular credit score algorithm based on transaction history.

Challenges of network calls and SDK loading in mobile webviews.

Challenges i Faced Razorpay SDK issues on mobile (especially in Capacitor-wrapped apps).

"Failed to fetch" errors due to CORS and incorrect backend links.

Razorpay SDK failing to load in some environments – resolved via correct HTML script embedding.

Managing credit score logic in a way that feels real yet decentralized.

Debugging mobile-specific issues without native IDEs like Android Studio.

Tech Stack React + TypeScript

Node.js + Express

Capacitor

Razorpay SDK

Tailwind CSS

Render & Vercel for Deployment

LocalStorage for Simulated Persistence

Built With

• android
• express.js
• ngork
• razorpay
• react
• render
• typescript
• vercel