oenodpay

Send money worldwide, hold a card, pay bills, invest, build credit, earn rewards and book travel, in one secure app.

This repo holds all of oenodpay:

Part	Where	What it is
Website and customer app	apps/web (/, /app)	Next.js. Public landing page, sign-up, and the full customer app.
Super admin	apps/web (/admin)	Customers, compliance, payouts, bills, investing, credit, rewards, travel, audit log, pricing and the Plugin centre for provider keys.
API	apps/web (/api)	One API used by the website and the phone app.
Mobile app	apps/mobile	Expo app for iPhone and Android. A web preview is served at /mobile.

Features

• Wallet: add money (card or bank), send worldwide (bank, mobile wallets, InstaPay, Vodafone Cash, cash pickup), request money, statements and CSV export.
• Cards: virtual and physical cards, freeze, limits, cash back.
• Bills: billers by country, saved payees, scheduled and monthly payments.
• Invest: stocks, ETFs and crypto, with buy, sell, portfolio and a halal filter.
• Credit: a daily oenodpay score with tips, personal loans reviewed by a person, and repayments.
• Rewards: cash back and invite bonuses, moved to the wallet any time.
• Travel: an AI travel agent, flight and hotel search and booking, and travel eSIMs.
• Family: teen cards with rules. Oeno coach: an AI money coach.
• Security: two-step sign-in, ID verification, payment PIN, step-up codes for large amounts, new-device caps, sanctions screening and self-freeze.

Run it locally

See docs/INSTALL.md.

Provider keys (Stripe, Airwallex, Thunes, Alpaca, Duffel, Airalo, Anthropic and others) are added by the super admin in Admin, Plugin centre. Pricing is set in Admin, Plugin centre, Pricing. Never commit keys.