Finara - Blockchain-Based Tokenization and Lending Platform

Finara is a comprehensive blockchain infrastructure that enables banks to tokenize verified real-world assets and issue on-chain loans to KYC-verified customers. Built on Ethereum Sepolia testnet with ERC-3643 compliant tokens, the platform combines blockchain automation with secure bank-verified data management.

🌟 Features

For Banks

• One-Click Deployment: Deploy Token and Lending contracts through a user-friendly admin dashboard
• Customer Management: Upload and verify KYC customers with blockchain wallet addresses
• Asset Tokenization: Convert real-world assets into ERC-3643 compliant tokens
• Loan Management: Create collateralized loans with customizable interest rates and terms
• Compliance Dashboard: Monitor KYC status, audit trails, and regulatory compliance
• Analytics: Real-time portfolio tracking, loan performance metrics, and customer insights

For Customers

• Self-Service Portal: Secure login with account number and password
• Asset Management: View all tokenized assets and their current values
• Asset Marketplace: List assets for sale and see interested buyers
• Loan Dashboard: Track active loans, EMI payments, and interest rates
• KYC Profile: View verification status and wallet details
• Blockchain History: Complete transaction history with blockchain proof

For Investors

• Investment Dashboard: Portfolio overview with real-time analytics
• Asset Marketplace: Browse and purchase tokenized assets
• Order Management: Track buy/sell orders and transaction history
• Blockchain Verification: Every transaction recorded on-chain with TX hash
• Performance Tracking: Monitor ROI and asset performance

Blockchain Features

• ERC-3643 Compliant Tokens: Only verified KYC customers can hold or trade tokens
• On-Chain Lending: Automated loan disbursement, interest calculation, and collateral management
• Relayer Service: Gasless transactions - no MetaMask required for users
• Transaction Recording: All asset trades recorded on blockchain with full transparency
• Smart Contract Security: Audited contracts with multi-sig wallet support

🏗️ Architecture

Smart Contracts (Solidity ^0.8.20)

1. BankFactory.sol: Deploys Token and Lending contracts for each bank
2. CompliantToken.sol: ERC-3643 inspired token with KYC verification and compliance features
3. LendingContract.sol: Manages collateralized loans with automated liquidation

Backend (Node.js + Express)

• RESTful API: Complete backend for all operations
• Relayer Service: Handles blockchain transactions using Ethers.js
• Supabase Integration: PostgreSQL database for banks, customers, assets, and loans
• Middleware: Authentication, validation, and error handling

Frontend (React + Vite)

• Landing Page: Modern marketing page with Lottie animations
• Bank Admin Dashboard: Complete management console with SideNav
• Customer Portal: Self-service portal with blockchain transaction tracking
• Investor Dashboard: Asset marketplace with portfolio analytics
• Responsive Design: Glassmorphism UI with smooth animations

Data Storage

• Blockchain: Smart contract state, token balances, loan records
• Supabase: Bank info, customer KYC, asset metadata, transaction logs
• localStorage: Client-side demo data, auth tokens, blockchain transactions

📋 Prerequisites

• Node.js (v18 or higher)
• npm or yarn
• Supabase account and project
• Ethereum Sepolia testnet account with ETH for gas
• Hardhat for contract deployment

🚀 Installation

1. Clone the Repository

git clone https://github.com/JAYATIAHUJA/Finara.git
cd Finara

2. Install Dependencies

# Install backend dependencies
npm install

# Install frontend dependencies
cd Finara
npm install
cd ..

3. Set Up Environment Variables

Create a .env file in the root directory:

# Ethereum Network Configuration
SEPOLIA_RPC_URL=https://rpc.sepolia.org
PRIVATE_KEY=your_deployer_private_key_here
RELAYER_PRIVATE_KEY=your_relayer_private_key_here

# Factory Contract Address (update after deployment)
FACTORY_ADDRESS=your_factory_address_after_deployment

# Supabase Configuration
SUPABASE_URL=your_supabase_project_url
SUPABASE_ANON_KEY=your_supabase_anon_key

# Server Configuration
PORT=3000

4. Set Up Supabase Database

• Create a new Supabase project at supabase.com
• Go to the SQL Editor
• Run the schema from database/schema.sql
• Configure Row Level Security policies as needed
• Copy your project URL and anon key to .env

5. Deploy Smart Contracts

# Compile contracts
npm run compile

# Deploy to Sepolia testnet
npm run deploy

# Update FACTORY_ADDRESS in .env with the deployed address

🎮 Usage

Start the Backend Server

npm run dev
# or for production
npm start

The server will start on http://localhost:3000

Server Status:

• ✅ Running in demo mode if credentials not configured
• ⚠️ Database disabled if Supabase not configured
• ⚠️ Blockchain features disabled if relayer not configured

Start the Frontend

cd Finara
npm run dev

The frontend will start on http://localhost:5173

Access the Application

• Landing Page: http://localhost:5173/
• Bank Admin Login: http://localhost:5173/login
• Customer Portal: http://localhost:5173/customer-portal
• Investor Dashboard: http://localhost:5173/investor

Demo Credentials

Bank Admin

• Email: Any email
• Password: Any password

Customer Portal

• Account Number: Any number
• Password: demo123

Investor Portal

• Email: Any email
• Password: demo123

📚 API Documentation

Health Check

GET /health

Deploy Bank

POST /api/deployBank
Content-Type: application/json

{
  "bankAddress": "0x...",
  "bankName": "Example Bank",
  "tokenName": "Bank Token",
  "tokenSymbol": "BANK",
  "maxSupply": 1000000,
  "collateralizationRatio": 15000
}

Upload Customers

POST /api/uploadCustomers
Content-Type: application/json

{
  "bankAddress": "0x...",
  "customers": [
    {
      "name": "John Doe",
      "accountId": "ACC001",
      "walletAddress": "0x..."
    }
  ]
}

Mint Tokens

POST /api/mintToken
Content-Type: application/json

{
  "bankAddress": "0x...",
  "walletAddress": "0x...",
  "amount": 1000
}

Create Loan

POST /api/lend
Content-Type: application/json

{
  "bankAddress": "0x...",
  "borrowerAddress": "0x...",
  "collateralAmount": 1500,
  "loanAmount": 1000,
  "interestRate": 500,
  "duration": 2592000
}

For complete API documentation, visit http://localhost:3000/ after starting the server.

📁 Project Structure

Finara/
├── contracts/              # Smart contracts
│   ├── BankFactory.sol
│   ├── CompliantToken.sol
│   └── LendingContract.sol
├── backend/
│   ├── server.js          # Express server
│   ├── config/
│   │   └── supabase.js    # Database config
│   ├── routes/            # API routes
│   ├── services/
│   │   └── relayer.js     # Blockchain service
│   └── middleware/        # Auth & validation
├── database/
│   └── schema.sql         # Supabase schema
├── scripts/
│   └── deploy.js          # Deployment script
├── Finara/                # Frontend (React + Vite)
│   ├── src/
│   │   ├── components/    # Reusable components
│   │   ├── pages/         # Route pages
│   │   ├── services/      # API & blockchain services
│   │   └── styles/        # CSS themes
│   └── public/            # Static assets
├── hardhat.config.js      # Hardhat configuration
├── package.json
├── .env.example
└── README.md

🔐 Security Features

• KYC Verification: Only verified addresses can hold tokens
• Transfer Restrictions: Compliance-enforced token transfers
• Relayer Pattern: No user private keys exposed to frontend
• Row Level Security: Supabase RLS policies
• Input Validation: Server-side validation on all endpoints
• Environment Variables: Sensitive data in .env (never committed)

🧪 Testing

# Run Hardhat tests
npm test

# Test on local network
npx hardhat node
npm run deploy:local

🛠️ Tech Stack

Blockchain

• Solidity ^0.8.20
• Hardhat
• Ethers.js v6
• OpenZeppelin Contracts
• Ethereum Sepolia Testnet

Backend

• Node.js
• Express.js
• Supabase (PostgreSQL)
• dotenv

Frontend

• React 18
• Vite
• React Router
• Framer Motion
• Lottie Animations
• Three.js (GridScan)

📊 Features Implemented

✅ Bank deployment with factory pattern
✅ ERC-3643 compliant token with KYC
✅ Collateralized lending system
✅ Customer onboarding and verification
✅ Asset tokenization and management
✅ Asset marketplace (Customer ↔ Investor)
✅ Blockchain transaction recording
✅ Transaction history with TX hashes
✅ Loan creation and tracking
✅ Compliance dashboard
✅ Real-time analytics
✅ Responsive UI with glassmorphism
✅ Lottie animations
✅ Demo mode for easy testing

🚧 Roadmap

• Real authentication with JWT
• Payment gateway integration
• Advanced analytics dashboard
• Mobile responsive improvements
• Real-time notifications
• Multi-language support
• Advanced loan features (partial repayment, refinancing)
• NFT integration for unique assets
• Decentralized identity (DID)
• Cross-chain support

📖 Documentation

• Architecture Overview
• Flow Diagram
• Supabase Setup
• Tokenization Guide
• Postman Collection

🤝 Contributing

Contributions are welcome! Please follow these steps:

1. Fork the repository
2. Create a feature branch (git checkout -b feature/amazing-feature)
3. Commit your changes (git commit -m 'Add amazing feature')
4. Push to the branch (git push origin feature/amazing-feature)
5. Open a Pull Request

👥 Team

Team Hacka Noodles - Built in 2025

📄 License

This project is licensed under the MIT License - see the LICENSE file for details.

🙏 Acknowledgments

• OpenZeppelin for secure smart contract libraries
• Supabase for backend infrastructure
• Ethereum community for blockchain standards
• Lottie Files for animations
• Vite and React teams for amazing developer experience

📞 Support

For issues and questions:

• Open an issue in the repository
• Check the documentation in the docs/ folder
• Review the flow diagram for architecture understanding

🔗 Links

• Repository: https://github.com/JAYATIAHUJA/Finara
• Live Demo: Coming soon
• Documentation: See /docs folder

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Built with ❤️ by Team Hacka Noodles

Transforming traditional banking with blockchain technology