Micro-Vouch Agent

Micro-Vouch Agent is a smart-contract powered micro banking system designed to support people in under banked areas without internet mobile banking or normal banking , especially in regions where agent-based banking and mobile money dominate and primarily uses phones with sms functionality.
The protocol models a custodial microbank where users interact through agents who record deposits, issue loans, and process withdrawals. Deposits generate protocol fees which are automatically converted into yield using Chainlink Automation, and users receive incentives from this yield when withdrawing.
The system also uses Chainlink CRE workflows to trigger off-chain notifications (such as SMS) based on smart contract events, the events with include deposit, withdraw, loan request and loan accrued.
The problem is:
That people in under banked areas especially in Africa where people primarily don't have banking facilities and very poor internet banking and only use mobile money and sms services to handle there transactions.
Many local banking services rely heavily on manual processes, fragmented records, and opaque accounting systems. This leads to:
• Lack of transparency in fee handling
• Delayed interest calculations
• Manual operational overhead
• Limited automation in financial workflows
• Poor integration between digital systems and real-world communication
Traditional systems also struggle to integrate automation, event-driven logic, and real-time notifications.

Smart Contracts
Solidity smart contracts implement the financial logic
• user registration
• deposit accounting
• loan issuance
• interest accrual
• withdrawal incentives
• liquidation checks
• protocol treasury management
Chainlink Automation
Chainlink Automation monitors protocol state and automatically executes:
• fee conversion into yield
• periodic loan interest accrual
This removes the need for manual protocol maintenance.
Chainlink CRE
Chainlink CRE workflows simulate event-driven automation by:
• detecting protocol events
• resolving user identifiers to phone numbers
• triggering off-chain notifications
This demonstrates how on-chain events can trigger real-world actions.
Frontend
The frontend dashboard allows users and agents to:
• register users
• record deposits
• request and repay loans
• withdraw funds
• monitor protocol treasury statistics
The UI also visualizes protocol activity such as:
• fee accumulation
• yield conversion
• staking activity
• protocol balance
Tech Stack
Smart Contracts

• Solidity
• Foundry
  Automation
• Chainlink Automation
• Chainlink CRE
  Frontend
• React
• TypeScript
• Ethers.js
• Vite
  Off-chain Services
• Node.js
• Express
• Africa's Talking SMS API