Fintech · Academic team project
Udharo
Identity, payments, and lending in one flow.
A peer-to-peer lending project with verified onboarding, borrower and lender workflows, Khalti payments, and permissioned-ledger integration.
- My role
- Flutter & systems engineering · Team project
- Technology
- Flutter · BLoC · Khalti · Hyperledger Fabric
- Project context
- Academic major project · 2024
The problem
Borrowers, lenders, and administrators need coordinated identity checks, loan states, payment verification, and transaction history.
My contribution
Developed Flutter lending and KYC workflows, including PAN and citizenship validation and document uploads. Integrated Khalti verification and permissioned-ledger workflows for recording lending transactions.
Engineering decisions
Separate verification from participation
The onboarding flow collects identity documents and exposes verification status before lending and borrowing activities.
Model asynchronous workflows
The Flutter client uses BLoC and an API layer to handle onboarding, loan requests, payment results, and transaction history.
Connect multiple product surfaces
The public repository includes a Flutter client, Node.js/Express API, MongoDB persistence, and a React admin panel. WebSocket updates support communication between workflows.
What it demonstrates
An academic implementation covering borrower, lender, and administrator journeys. The public repository documents the application stack; the résumé describes the Hyperledger Fabric integration.