Me2U is a premium, interest-free peer-to-peer lending platform designed for modern cooperatives in Nigeria. It enables users to pool funds, borrow instantly, and build trust through a transparent, secure, and interest-free ecosystem.
- 0% Interest Loans: Borrow from the platform or peers with zero interest.
- Trust Tiers: Dynamic security deposits and loan durations based on your trust score.
- Me2U Circles: Create or join group lending pools (modern cooperatives).
- Marketplace: Post borrow requests or lending offers to the community.
- Automated Withdrawals: Instant withdrawals to Nigerian bank accounts via Paystack.
- Secure Onboarding: Registration deposit and KYC verification to prevent fraud.
- Affiliate Program: Earn rewards for referring verified users.
- Frontend: Next.js (App Router), React 19, Tailwind CSS 4, Framer Motion.
- Backend: Supabase (Auth, Postgres, Storage, Edge Functions).
- Payments: Paystack integration for automated transfers and webhooks.
- Design System: Custom premium UI with mobile-first responsiveness.
- Node.js 18+
- Supabase Account
- Paystack Account (Secret Key)
Copy .env.example to .env.local and fill in your credentials:
NEXT_PUBLIC_SUPABASE_URL=your_supabase_url
NEXT_PUBLIC_SUPABASE_ANON_KEY=your_supabase_anon_key
SUPABASE_SERVICE_ROLE_KEY=your_service_role_key
PAYSTACK_SECRET_KEY=your_paystack_secret_keyFollow the instructions in SUPABASE_SETUP.md to run migrations and setup RLS.
npm install
npm run devMe2U follows a rigorous testing standard.
# Run unit tests
npm run test
# Run E2E tests (Playwright)
npm run test:e2e- Auth: Supabase Auth with custom
AuthBootstrapfor state management. - Storage: Zustand for client-side state, Supabase for persistent data.
- Security: RLS, secure RPCs, transaction PINs, and encrypted NIN hashes.
- Design: Mobile-first, responsive grid systems, and kinetic UI elements.
Private and confidential. © 2026 Me2U.