System Requirements Document (SRD)

Project Name: verdant-clone

1. Introduction

The verdant-clone project is a digital payment platform tailored for Mozambique, inspired by the functionality and user experience of PhonePe. This platform aims to provide seamless peer-to-peer transfers, bill payments, merchant integrations, and additional features like QR code payments, cashback offers, and multilingual support for local languages.

Mozambique’s growing digital economy and diverse population necessitate a secure, user-friendly, and inclusive payment solution. verdant-clone will empower individuals and businesses to transact efficiently while fostering financial inclusion across the country.

This document outlines the system requirements for verdant-clone, ensuring alignment with user needs and technical feasibility.

2. System Overview

verdant-clone is a comprehensive digital payment platform designed to cater to Mozambique’s unique needs. The system will support:

• Peer-to-peer money transfers
• Bill payments (utilities, mobile recharge, etc.)
• Merchant payments via QR codes
• Cashback offers to incentivize usage
• Multilingual support for Mozambique’s local languages (e.g., Portuguese, Emakhuwa, Sena, etc.)
• Secure authentication mechanisms (PIN, biometric options)
• Transaction history and wallet management

The platform will leverage modern technologies to ensure scalability, security, and ease of use, while adhering to Mozambique’s financial regulations and cultural context.

3. Functional Requirements

As story points:

• As a User, I should be able to register and log in securely using my phone number or email.
• As a User, I should be able to transfer money to other users via phone number or unique ID.
• As a User, I should be able to pay bills (e.g., electricity, water, mobile recharge) directly from the app.
• As a User, I should be able to scan QR codes to make payments to merchants.
• As a User, I should be able to view transaction history and manage my wallet balance.
• As a User, I should be able to earn cashback rewards for eligible transactions.
• As a User, I should be able to select my preferred language from a list of local languages.
• As an Admin, I should be able to monitor transactions and ensure compliance with financial regulations.
• As an Admin, I should be able to manage cashback offers and promotional campaigns.
• As a Merchant, I should be able to generate QR codes for customers to scan and pay.

4. User Personas

1. User (Individual)

• Description: Regular individuals who use the app for peer-to-peer transfers, bill payments, and cashback rewards.
• Needs: Secure transactions, ease of use, multilingual support, and transaction history.

2. Merchant

• Description: Business owners who accept payments via QR codes.
• Needs: QR code generation, transaction tracking, and integration with their bank accounts.

3. Admin

• Description: System administrators responsible for monitoring transactions, managing offers, and ensuring compliance.
• Needs: Dashboard for analytics, fraud detection tools, and promotional campaign management.

5. Visuals Colors and Theme

Unique Color Palette:

• Background: #E8F5E9 (Soft Green Mist)
• Surface: #FFFFFF (Bright White)
• Text: #1B3A4B (Deep Ocean Blue)
• Accent: #FF8A65 (Warm Tangerine)
• Muted Tones: #B0BEC5 (Calm Steel Gray)

Theme Direction:

The theme will evoke trust, simplicity, and modernity, with a focus on clean layouts and vibrant accents to highlight actionable elements like buttons and links.

6. Signature Design Concept

Interactive QR Code Payment Experience

The homepage will feature a dynamic QR code payment showcase. Users will see a large, animated QR code that morphs into different shapes (e.g., a shopping cart, a bill icon, or a handshake) to visually represent the app’s core functionalities.

• Animation: The QR code will pulse gently, with smooth transitions between shapes.
• Interaction: Hovering over the QR code will reveal tooltips explaining each feature (e.g., “Scan to Pay Merchants” or “Pay Your Bills”).
• Color Shifts: The QR code’s color will change based on the user’s selected theme or language preference.
• Micro-interactions: Clicking on the QR code will simulate a payment process, guiding users through a demo transaction.

This bold design will make the homepage unforgettable while educating users about the app’s capabilities.

7. Non-Functional Requirements

• Scalability: The system must handle up to 1 million concurrent users.
• Security: Implement end-to-end encryption for all transactions.
• Performance: Ensure response times under 2 seconds for all major operations.
• Availability: Maintain 99.9% uptime with robust failover mechanisms.
• Localization: Support multiple languages and adapt to Mozambique’s cultural context.

8. Tech Stack

Frontend:

• React for Web
• React Native for Mobile

Backend:

• Python
• FastAPI

Database:

• MySQL or MariaDB (preferred for RDBMS)
• MongoDB (for NoSQL needs)

AI Models:

• GPT 5.4 for user-friendly responses
• Claude 4.6 Opas for academic or coding work
• Google Nano Banana for image generation

AI Tools:

• Litellm for LLM Routing
• Langchain

Orchestration:

• Docker and docker-compose for local development
• Kubernetes for server-side orchestration

9. Assumptions and Constraints

• Assumptions:

  • Users in Mozambique have access to smartphones and stable internet connections.
  • Local banks and merchants are willing to integrate with the platform.

• Constraints:

  • Compliance with Mozambique’s financial regulations.
  • Limited availability of biometric hardware on older devices.

10. Glossary

• Peer-to-peer transfers: Direct money transfers between two individuals.
• QR code payments: Payments made by scanning a merchant’s QR code.
• Cashback offers: Rewards given to users for specific transactions.
• Multilingual support: The ability to use the app in multiple languages.
• PIN/biometric authentication: Secure login methods using a personal identification number or biometric data.

End of Document.