Esusu is a traditional form of cooperation in African societies where groups of individuals contribute to informal savings and credit associations for their mutual benefit.

On Xend Finance, a group of two(2) individuals and more can be part of an Esusu cycle. An Esusu cycle has a fixed amount every contributor in that cycle has to deposit to be part of the cycle. The Esusu cycles have a payout interval for each member/contributor of the cycle. This payout interval is the time a particular member/contributor in the Esusu cycle can withdraw their Return-on-Investment of the fixed amount deposited at the start of the cycle.

After the payout time of every member of the Esusu cycle has reached, members of the cycle can withdraw the initial deposit made at the start of the cycle.

Esusu Features

An Esusu cycle has to be created as part of a group. Here is how to create a group.

Create Esusu cycle

Below the group created click Open

When a particular group is open, click the Create New Cycle button, and fill in the form for the details of the Esusu cycle. The details needed to create an Esusu cycle are the deposit amount, the duration of the cycle (which represents the duration for payment intervals for the members of the cycle), the start time, and the maximum number of individuals that can contribute/join the cycle.

If the process is successfully completed, a notification pops down with the success message.

How to join an Esusu cycle

Go back to the Esusu Cycle page and choose a group to join

When the Esusu details page opens up, you should see the Join Esusu button if you are yet to join the cycle. There are other conditions that affect the visibility of some of the buttons.

Esusu Contributions

You can easily view all the Esusu cycles you have contributed to. This page shows tabs for Esusu cycles created by you, pending cycles (cycles you have joined but are yet to start), cycles in progress, and completed cycles.

How to withdraw from an Esusu cycle

• Click “View” on the chosen cycle

Withdraw ROI

• Click “Withdraw ROI”

Notification “You just withdrew your ROI from this cycle” pops up

After withdrawing ROI, you can now withdraw your capital by clicking “Withdraw capital” as seen in the image below:

Withdraw Capital

• Click “Withdraw Capital”

• Click “Confirm” on metamask notification page

Notification; “You just withdrew your capital from this cycle” pops up.

What is MetaMask

From the MetaMask website, MetaMask is a crypto wallet and gateway to blockchain apps. It is available as a browser extension and as a mobile app, Metamask equips you with a key vault, secure login, token wallet, and token exchange - everything you need to manage your digital assets. MetaMask was created out of the need of creating more secure and usable Ethereum-based websites. In particular, it handles account management and connecting the user to the blockchain.

To use Xend finance, which is a decentralized application (dApp), the Xend finance website needs to be connected to MetaMask, and since MetaMask is also a web browser extension this connection is quite straightforward to accomplish.

Set-up MetaMask

Mobile Device

To use Xend Finance from your mobile phone, you need to download the MetaMask mobile app. Go to Play Store or Apple Store and search for the MetaMask and download.

Next, follow the steps on the app to set up your wallet. You can import your already existing address using your address seed phrases, you can sync your MetaMask wallet if you already set up MetaMask on your computer, or you can just create a new wallet. Choose one of these options and complete the remaining steps to finish the setup of MetaMask on your device.

You should have a similar screen to the screenshot above.

Add Binance Smart Chain Network

By default, MetaMask does not usually come with the Binance Smart Chain network, and to make use of Xend Finance we have to run it on the Binance Smart Chain network.

Click the menu icon on the top left of the app, the side drawer opens and looks similar to the screenshot below.

Click the "Settings" options, and choose the Network options from the list of options that shows up.

Click the Add Network button at the bottom of the page and input the values for the Binance Smart Chain network.

Once you save the network, you will be able to open Xend Finance on the MetaMask mobile app.

Web Browser

When downloading and installation complete, a welcome page similar to the image below should open. Click the Get Started button

Next, you can choose to import an already existing wallet or you can set up a new wallet. If this is your first time using MetaMask, you can just create a wallet. I am continuing with the assumption that you are creating a new wallet. Click the Create a Wallet button to continue.

You can go through the route of import your already existing wallet.

Create a new wallet

Type your password and create a wallet

Follow the steps that come after and save the secret seed phrase that will help in retrieving your account whenever you need it. If everything goes successfully you should see the congratulations page like the screenshot below.

If all went well with the processes above, you should see your new wallet on MetaMask like the screenshot below.

You are now set to start using Xend Finance with MetaMask :)

Adding a Network

Network Details

Add a network

Go to the settings page, click on Networks, and click on the "Add Network" button on options that opens up. These same steps apply to all other networks Xend Finance is deployed on like the Binance Smart Chain Mainnet.

Fill the form that opens up with the following details and click the save button.

Connect Xend Finance with MetaMask

If you have successfully saved the network, it should be among the list of networks on MetaMask, make sure Binance Smart Chain is the selected network from the list.

After connecting to MetaMask, there could be situations where MetaMask brings up the connection modal that will look similar to the screenshot below. Select your account and proceed.

In Xend Finance, a group is an entity that holds one or more Esusu and Cooperative cycles. An Esusu cycle has to be created as a part of a group, also a Cooperative savings cycle has to be created as part of a group.

If you intend to create an Esusu or Cooperative savings cycle for others to join, will have to create a group. You can create a group from the Esusu section or the Cooperative savings section. If you want to create Esusu cycles in a group, create that group from the Esusu section, and the same thing for the Cooperative savings cycles.

Whichever section you create a group from, the need details are the same.

Cooperative savings are groups owned and operated by and for their members/contributors, using pooled funds for the interest and benefits of its member. On Xend Finance, you can be part of a cooperative savings cycle by depositing the amount for one or more stakes. In cooperative savings, one stake might be worth $10, so to contribute in that particular cooperative cycle, you can get a stake for $10, two stakes for $20, and so on. This differs from the Esusu cycle where there is a fixed deposit amount every member/contributor in the cycle has to deposit.

Cooperative Savings Features

Just as in Esusu cycles, a Cooperative savings cycle has to be created as part of a group. Here is how to create a group.

Create a Cooperative Savings cycle

Click “Open”

Click “Create Cooperative Savings Cycle”

Enter required predefined rules

Click “Create Cooperative”

MetaMask notification pops up

Click “Confirm”

The notification “you have joined cycle successfully” pops up

Join a Cooperative Savings cycle

Below the Cooperative group created;

• Click “Open”

• Click “Join Cooperative Cycle”

MetaMask notification page pops up.

• Click “Confirm”

Notification; “You have joined cooperative cycle successfully” pops up.

Xend Finance is a DeFi Platform for Credit Unions and Cooperatives.

Credit Unions and Cooperatives anywhere in the world can now channel capital into savings and earn higher interest in stable currencies.

This document seeks to help you understand and use the Xend Finance dashboard

The Personal Savings feature on Xend Finance allows you to deposit any amount BUSD from your wallet balance, and after some time, the amount you deposit gains interest, and you can then withdraw the resulting amount. Your withdrawable amount is your share balance.

Deposit in Personal Savings

To deposit on your personal savings, select the personal card from the Xend Finance app.

Click on the drop-down card with the BUSD logo, from the drop-down menu, select the percentage of your personal wallet balance you will like to save, the app will calculate the amount and populate the amount field (you can also input the amount you want to save by typing in the amount).

Click on Save, click on Confirm on the MetaMask modals, to first authorize the transaction and secondly to perform the saving.

If the deposit was successful, a notification pops out from the top center of your screen "Deposit Successful".

Withdraw from Personal Savings

The amount withdrawable from your personal savings is the Share Balance.

To withdraw from your share balance, click on the drop-down card, select the percentage of your share balance, and click Withdraw.

Confirm the transaction from the MetaMask pop-up modal that comes out after clicking the Withdraw button.

If the withdrawal was successful, a "Successful Withdrawal" notification pops out.

Binance Smart Chain Mainnet

BNB is short for Binance Coin, a cryptocurrency created by Binance, the largest cryptocurrency exchange (by volume) in the world. BNB is used by traders to get discounts on their trading fees and it has other benefits.

On Xend Finance, BNB is used as the currency for paying gas fees. The gas fee is the fee or pricing value that is required to successfully conduct a transaction or execute a contract on the blockchain platform.

Get BNB & BUSD

Create an account

If you successfully created your account, you should see something resembling the screenshot above.

From this screen you can directly go ahead to buy BNB or / BUSD from the options available, using the accepted payment methods for your country. This could be either Card, Bank Transfer, Mobile Money, or P2P transfers.

Transfer to Metamask Wallet address

Copy your wallet address from Metamask, and fill in the withdrawal form.

Choose the Coin to transfer to your Metamask wallet, which will be BNB, BUSD. Choose Binance Smart Chain (BSC) as the network, and enter the amount to transfer to your wallet.

If the transfer is successful, the amounts will be reflected in your Metamask wallet, and you can go on using Xend Finance to save your funds.

Binance Smart Chain Testnet

BNB is short for Binance Coin, a cryptocurrency created by Binance, the largest cryptocurrency exchange (by volume) in the world. BNB is used by traders to get discounts on their trading fees and it has other benefits.

On Xend Finance, BNB is used as the currency for paying gas fees. The gas fee is the fee or pricing value that is required to successfully conduct a transaction or execute a contract on the blockchain platform.

Get BNB

To get BNB, click on “Get BNB” on the top right of the website, it will open the Binance Smart Chain Faucet on a different tab on your browser.

Go to the tab where Xend Finance is opened, click on the MetaMask extension icon on the browser and copy your connected wallet address from the MetaMask modal.

Back to the browser tab where Binance Smart Chain Faucet is opened, paste the wallet address you just copied in the input and click the Give me BNB select button to choose the amount to be sent to the wallet address you pasted. If it is successfully done, the amount should reflect on your MetaMask wallet balance.

Get BUSD

BUSD is a U.S.-regulated stablecoin, fully backed by the U.S dollars. 1 BUSD is equal to 1 USD. BUSD offers a faster way to fund trades and it is acceptable as a medium of exchange, store of value, and method of payment across the global crypto ecosystem.

You need BUSD to be able to make use of the features and functions on Xend Finance.

NB: Please make sure you have some BNB in your wallet before you can receive BUSD

You should have received some BUSD in your wallet but, you might not see it yet if you have not added the BUSD token to your wallet on MetaMask.

How to see BUSD token balance on MetaMask

To see the BUSD token balance you going to add the token to your wallet.

Copy this address 0x3b1F033dD955f3BE8649Cc9825A2e3E194765a3F (Please note that this address is just for the testnet) this is the Token Contract address. You'll be pasting it in the Token Contract Address input field.

Next, open the MetaMask modal click on Add Token, and click on the Custom Token tabs, then paste the address you copied earlier in the 'Token Contract Address' field.

Binance Smart Chain Mainnet

Polygon Mainnet

Ethereum Mainnet

Function Description

Deposit in xAuto or xVault

To deposit in the xAuto or xVault Protocol, Call the deposit function from the Xend Finance xAuto or xVault Protocols(Layer 2 Aggregator ) contracts.

const { Personal, xAuto, xVault } = await setupSdk(privateKey, chainId, protocolName);

	if (protocolName === 'xAuto') {

			const receipt = await xAuto.deposit("BUSD", String(amount))
			if (receipt.status) {
				return {
					block: receipt.blockNumber,
					gasUsed: receipt.gasUsed,
					tnxHash: receipt.transactionHash
				}
			}
			throw 'failed'
		}
		else if (protocolName === 'xVault') {
			const receipt = await xVault.deposit("BUSD", String(amount))
			if (receipt.status) {
				return {
					block: receipt.blockNumber,
					gasUsed: receipt.gasUsed,
					tnxHash: receipt.transactionHash
				}
			}
			throw 'failed'
		}

Withdraw in xAuto or xVault

To withdraw in the xAuto or xVault Protocol, Call the withdraw function from the Xend Finance xAuto or xVault Protocols(Layer 2 Aggregator ) contracts.

const { Personal, xAuto, xVault } = await setupSdk(privateKey, chainId, protocolName);

		if (protocolName === 'xAuto') {

			const receipt = await xAuto.withdraw("BUSD", totalBUSDAdmount)
			if (receipt.status) {
				return {
					block: receipt.blockNumber,
					gasUsed: receipt.gasUsed,
					tnxHash: receipt.transactionHash
				}
			}

		}

		if (protocolName === 'xVault') {
			const receipt = await xVault.withdraw("BUSD", totalBUSDAdmount)
			if (receipt.status) {
				return {
					block: receipt.blockNumber,
					gasUsed: receipt.gasUsed,
					tnxHash: receipt.transactionHash
				}
			}
		}

Deposit in Flexible Personal Savings

To deposit in the flexible savings, we'll first call the approve function to allow the Xend Finance contract to take the approved amount. Call the approve function from the BUSD Token contract, and the deposit function from the Xend Finance Individual (Personal Savings) contract.

//1. first approve contract to spend amount
await contract.methods.approve(conractAddress, amount).send({from: clientAddress})

//2. call deposit
await contract.methods.deposit().send({from: clientAddress})

Withdraw from Flexible Personal Savings

Call withdraw function from Xend Finance Individual (Personal Savings) contract

await contract.methods.withdraw(amount).send({from: clientAddress})

Deposit in Fixed Personal Savings

To deposit in the flexible savings, we'll first call the approve function to allow the Xend Finance contract to take the approved amount. Call the approve function from the BUSD Token contract, and the FixedDeposit function from the Xend Finance Individual (Personal Savings) contract.

//1. first approve contract to spend amount
await contract.methods.approve(conractAddress, amount).send({from: clientAddress})

// 2. call FixedDeposit with lock period
await contract.methods.FixedDeposit(lockPeriod).send({from: clientAddress})

Withdraw from Fixed Personal Savings

Call the WithdrawFromFixedDeposit function from Xend Finance Individual (Personal Savings) contract

await contract.methods.WithdrawFromFixedDeposit(recordId).send({from: clientAddress})

Create a Group

A group needs to be created to be able to create an Esusu or Cooperative cycle.

Contract: Group

await contract.methods.createGroup(name, symbol).send({from:clientAddress})

Get Group using ID

Retrieves the details of a group using its id.

Contract: Group

await contract.methods.getGroupById(groupId).call()

Create Esusu Cycle

Create an Esusu cycle to enable potential members to join and start saving.

Contract: Esusu Service

await contract.methods.CreateEsusu(groupId, depositAmount, payoutIntervalInSeconds, startTimeInSeconds, maxMembers).send({from:clientAddress})

Join Esusu Cycle

Adds an address as a member of an Esusu cycle if the address has sufficient balance.

Contract: Esusu Service

await contract.methods.JoinEsusu(cycleId).send({from:clientAddress})

Start Esusu

Contract: Esusu Service

await contract.methods.StartEsusuCycle(cycleId).send({from: clientAddress})

Withdraw Esusu ROI

Call this function to withdraw gained ROI from being part of an Esusu cycle.

Contract: Esusu Service

await contract.methods.WithdrawROIFromEsusuCycle(cycleId).send({from: clientAddress})

Withdraw Esusu Capital

Withdraw the deposit amount used to join the cycle.

Contract: Esusu Service

await contract.methods.WithdrawROIFromEsusuCycle(cycleId).send({from: clientAddress})

Create Cooperative Cycle

Contract: Xend Finance Group (Cooperative Savings)

await contract.methods.createCycle(groupId, startTimeInSeconds, payoutIntervalInSeconds, maxMembers, hasMaximumSlots, stakeAmount).send({from: clientAddress})

Join Cooperative Cycle

Contract: Xend Finance Group (Cooperative Savings)

await contract.methods.joinCycle(cycleId, numberOfStake).send({from: clientAddress})

Start Cycles

Contract: Xend Finance Group (Cooperative Savings)

await contract.methods.activateCycle(cycleId).send({from: clientAddress})

Withdraw From Cooperative Cycle

In the cooperative cycles, there's a provision to withdraw from the cycle before the end date and time and also to withdraw when the cycle duration ends. Withdrawing while the cycle is ongoing incurs a severance fee on the member that withdraws.

Contract: Xend Finance Group (Cooperative Savings)

// withdrawing while cycle is ongoing
await contracts.methods.withdrawFromCycleWhileItIsOngoing(cycleId).send({from: clientAddress})

// withdrawing after cycle is completed
await contracts.methods.withdrawFromCycle(cycleId).send({from: clientAddress})

Build applications on top of the Xend Finance smart contracts.

Installation

Using npm:

Using yarn:

Xend Finance has different saving strategies that help you save your money in stable currencies;

• Personal Savings

• Esusu

• Cooperative Savings

You can make use of one or all of these strategies

Example

What you need to setup SDK

1. Chain ID

The SDK has support for the chain id's below

• 1 - Ethereum Mainnet

• 56 - Binance Smart Chain Mainnet

• 97 - Binance Smart Chain Testnet

• 0 - Local Instance of Ganache

2. Private Key

The SDK needs the private key of your blockchain wallet to help you sign and send transactions when you call different methods of the SDK. You can get this from your wallet, like Metamask by opening Account Details and exporting your private key.

Please note this is supposed to be a secret. It is advised you put it in an environment file that you don't make public anywhere.

3. Options

This is the third requirement for setting up the SDK. It is optional and if no options argument is passed in for initializing the SDK, the testnet environment is used. This option is an object with 3 properties, env, protocols and protocolName.

Note: whenever you use the options argument you have to provide value for the env property even if it is "testnet".

Scenario

You can use Xend Finance in as many scenario's you can come up with, but there are 2 examples

1. Use one general address for all your transactions (like a custodial wallet)

2. Create a new address for each of your users and use it for their transactions

Protocol Type

This is the structure of a protocol to be used by the SDK and will be helpful when using the SDK on your local machine with an instance of tools like ganache. Below is a structure with venus lending protocol.

Setting up a development environment

The setup example above works right off the bat with real funds. So you will have to have BNB for gas fees and BUSD for the actual savings on Xend Finance, but for testing purposes, we won't be using real funds.

Step 1

The tool we need to set up this development environment is Ganache. Straight from Ganache's website

With Ganache we have a copy of a blockchain running locally on our machine.

Assuming you already have NodeJS installed on your machine, you can install Ganache globally with npm, which makes it accessible from anywhere on your computer's terminal.

Running the ganache-cli starts a local blockchain on your machine. It will be similar to the screenshot below.

At the end of the output after running ganache-cli you should see the Listening on 127.0.0.1:8545 which is your localhost port 8545. This is an indication you have Ganache CLI installed correctly. You can stop it by typing Ctrl + C on your terminal.

Step 2

Moving on with setting up our local environment, we would be making use of a powerful feature that Ganache has, which is the option to start Ganache with a fork of a blockchain. What this means is that you can start Ganache as if it is the current state of the Ethereum Mainnet or Binance Smart Chain running locally on your machine.

Running the code above would make your machine to be running the current state of the Binance Smart Chain. That's cool for development.

To us now, why this is important is because Xend Finance Smart Contracts are already deployed and running on the Binance Smart Chain. So you can immediately start using functions in the Xend Finance Smart Contracts for your own applications in this local test environment we have set up with Ganache.

Step 3

The final thing we need for this setup to be complete is to make sure we have BUSD which is used for savings and BNB which is used for paying gas fees.

So if you currently own an account that has BNB and BUSD on Binance Smart Chain, when you run Ganache CLI with the fork of the Binance Smart Chain like we did above, that your account will still have the funds available to you on your local blockchain running on your machine and you can go ahead to start making use of the Xend Finance SDK. You can jump to the next section to make your first deposit. But if you don't have or you prefer not to use your account, there is a way to have both BNB and BUSD in a fresh account.

For getting BNB, that's easy, whenever your run ganache-cli 10 accounts are generated for you with 100 BNB in them. Please note that when you run ganache-cli with the fork of Binance Smart Chain, whenever you see ETH, it represents BNB. Just like the screenshot above on running ganache-cli, we have accounts and their corresponding private keys printed on your terminal and you can choose any one of them for your tests.

We now have BNB from the account we choose from the Ganache output when we run it. But those addresses don't have BUSD, just BNB. So we need to find an account that has lots of BUSD to transfer from it to our own account (that we get from the Ganache output).

Remember at the time of running ganache with the fork of the Binance Smart Chain, we have the current state of the blockchain at that time and there are addresses that have lots of BUSD in them, so we need to get one of those addresses and use it to run our ganache-cli fork again so that we can be able to locally transfer BUSD from that account that has lots of BUSD to your own account, which is one of those you choose from the Ganache output when we run Ganache.

So we can start Ganache by running the fork of the Binance Smart Chain and unlock that address we just got to enable us to send BUSD from that address.

Transfer Funds & Make Your First Deposit and Withdrawal

Some available functions

General

Personal Savings

Esusu

Cooperative Savings

Thank you for taking the time to contribute to the Xend Finance SDK and creating more tools for other developers and users to be able to harness the benefits of the Xend Finance Layer2 smart contracts.

Please fill the form in the link below with the corresponding details as your entry to this call for developers.

Thank you.

Do you want to join the fastest-growing blockchain company out in Africa? Xend Finance has quickly become the face of Africa in the blockchain, cryptocurrency, and DeFi (Decentralized Finance) world, having received international press attention from TechCrunch, Coindesk, Decrypt, and many others.

As the world’s first DeFi Credit Union platform, Xend Finance allows users and Credit Unions to swap their local currency to stable cryptocurrencies and access DeFi investment opportunities to earn higher interest than anywhere else. The company is backed by numerous investors, including Google Launchpad and Binance.

Available Roles

About Xend Finance

Xend Finance provides the tools and platform for a decentralized financial credit union, regardless of geographic location and the home country currency. Members can earn multiple levels of interest on their savings by seamlessly swapping their crypto or fiat currency to stable cryptocurrencies and staking – the process of locking up crypto assets to earn yields – on lending platforms so members can earn compound interest on their money. The Xend Finance platform is the first decentralized finance (DeFi) credit union.

The team is made up of experienced professionals with backgrounds in mathematics, finance, cryptography, and blockchain development, working for some of Africa’s largest employers, including KPMG, Chevron, and Stanbic Bank. Xend Finance is headquartered in Enugu, Nigeria.

CertiK

CertiK is a leading blockchain based security platform which analyzes and monitors blockchain protocols and DeFi projects for bugs and weaknesses. CertiK combines its patented Formal Verification technology with best-in-class cybersecurity experts to deliver end-to-end security services. CertiK has given our smart contracts the green flag when it comes to platform security.

Omniscia

Tech Rate

Techrate is an analytical and engineering agency focused on blockchain technology solutions and audits.

Bug Bounties

Applicature (VIDMA)

Description

We are looking for a Blockchain Engineer with excellent technical abilities, as you will be responsible for creating online solutions. Blockchain engineers should have effective analytical abilities in order to evaluate an organization's needs and implement solutions. These engineers should also have strong attention to detail, as they often work with multiple system components at once.

The skills and job requirements we’ll need from you:

• Collaborating with managers to determine blockchain technology needs and envisaged functionalities.

• Creating application features and interfaces by using programming languages and writing multithreaded codes.

• Applying the latest cryptology techniques to protect digital transaction data against cyberattacks and information hacks.

• Advanced proficiency in programming languages, such as Solidity and JavaScript as well as Reactjs.

• Extensive experience in back-end development, algorithms, and data structures.

• Knowledge of cryptography and blockchain protocols.

• In-depth knowledge of best practices in blockchain management and data protection.

• Advanced analytical and problem-solving skills.

• Superb organizational skills and keen attention to detail.

• Excellent communication and collaboration abilities.

How to apply:

Description

As the desktop version of our product has gone live, we have seen a tremendous amount of new users and are now in the process of making our product available to those on mobile as well.

We are looking for a task-oriented mobile developer who can work well on their own and in group settings. Our headquarters is based in Nigeria, but we have team members around the world and this person needs to be able to communicate with different people in different time zones.

The skills and job requirements we’ll need from you:

• Develop application programming interfaces (APIs) to support mobile functionality.

• Work closely with colleagues to constantly innovate app functionality and design.

• Write unit and UI tests to identify malfunctions.

• Demonstrable portfolio of released applications on the App Store or the Android market.

• Experience with third-party libraries and APIs.

• Superior analytical skills with a good problem-solving attitude.

• Ability to perform in a team environment.

• Strong oral and written communication skills.

• Ability to interpret and follow technical plans.

• Proficient in programming languages like Java, Swift, and JavaScript and frameworks such as React Native.

How to apply:

Who is a merchant

A merchant is a registered business that performs savings operations on behalf of their customers. Basically, your account is referred to as a merchant account and you can create your customers’ accounts as sub accounts. Each sub account has access to a personal wallet address and you can perform transactions (transfer, deposit, save, withdraw, and more) on each account.

What is this?

This API is intended for Finance Applications that wish to leverage the Xend Finance savings service and offer it to their end users. You can, via the API, create an account for each of your customers and manage their accounts just the same way a normal user would inside the Xend Finance mobile application to save, earn interest, transfer money, and much more.

Becoming a merchant

Staging/sandbox environment

Production environment

The steps below are for setting up a merchant account in a production environment.

2. Register and verify your account using the mobile app with your company email address.

3. Follow the steps in the mobile app and complete your user profile.

4. Next, on the mobile app, proceed to the profile section. Then, under Account Security, enable your 2-Factor Authentication.

5. Next, complete the KYC Verification still in the profile section of the mobile app using CEO profile.

7. Verify all your provided data for accuracy and authenticity

The return data of the /public/create/sandbox/account and /public/register API will have information on apiKey and apiSecret which you will use to access the rest of the API endpoints for merchants. You can keep them in a safe place where you can easily use them for subsequent merchant API calls.

API Access

To access any authenticated endpoints from the Merchant API you have to add the following properties to the request headers.

1. authentication: JWT key that is returned to you after logging in.

3. timestamp: this should be the current timestamp in milliseconds UTC

4. memberemail: email of the sub-user of the merchant's platform.

5. merchantcode: merchant user id generated after creating your account.

7. authorization: serves as the API captcha. For the test environment, the value is Basic parole.

API Signature Calculation

Merchant API endpoints make use of HMAC SHA256 signatures for authenticating API requests. Hash-based message authentication code (HMAC) is used to verify that a request to our endpoint is coming from a trusted source and that the request has not been tampered with on transit from the source of the request to our servers.

The parameters needed to calculate the API signature include timestamp, clientToken, clientSecret, and the payload of the request. All these values are concatenated in URL encoded format and the hash is calculated with the SHA256 hashing algorithm.

// Example code for calculating API signature
import cryptoJS from 'crypto-js';

const timestamp = '';
const token = '';
const accessSecret = '';

const payload = {
  username: 'bob',
  email: 'bobgas@email.com'
};

const signaturePayload = 'username=bob&email=bobgas@email.com';
const signatureText = `${signaturePayload}&timestamp=${timestamp}&api-key=${token}&api-secret=${accessSecret}`;

const signature = cryptojs.HmacSHA256(signatureText, accessSecret).toString(cryptojs.enc.Hex);

HMAC with Postman

JSON Response

Every response body is expected to be JSON data but the API gateway could return unrecognized HTML content with Gateway errors when something goes wrong.

{
    "data": {},
    "status": "success",
    "status_code": 200,
    "message": "action completed",
    "error_code": "",
    "action": null,
    "message_language_code": "",
    "error_details": null
}

• data: the data returned by the response can be user profile and token, for example, in the login endpoint. The data can be an empty object {}, empty array [], or null.

• status: The action status enum (success, failed). E.g. if login fail, status will be failed status_code: this is the request header status code. A failed request can have any error code based on section 1 A.

• message: this is the error message that is shown to the user. This can be, e.g., “wrong username and password”. It is returned for every request.

• response_details: here comes the debug message and log for the developer; this should never be shown to the user, as the developer can easily discover what he is doing wrong here. E.g., if you pass the user phone number as a string instead of number and the API rejects it, the ‘message’ will say: “something is wrong, try again later.”, but the ‘response_details’ will say, “Please phone number must be set as number,”. The response detail actually comes with error logs.

Language filter is passed thus:

User.profile.userlanguage = eng (user must have set language in his profile)

Post.Header.userlanguage = eg (Pass language in header in each request to return error messages in that language.) NB: language in header overrides user language in profile.

Request Body and Query

Every POST/PUT/PATCH/DELETE Requests will reject Query Strings.

Pass Query Strings to GET Request only.

Also, POST/PUT/PATCH/DELETE Requests do not want to expect URL params or query strings.

NB: what is query string, query param, body param?

Here: https:website.com/url/{query_param}/?query_string=id

Date in body param must be posted in this format: eg expiry_time: "2022-04-09 06:05:05"

Limits and quotas on API requests

• 50,000 requests per project per day, which can be increased

• 10 queries per second (QPS) per IP address. (And 100 requests per 100 seconds per member) — when your request limit is reached, header status can be 503

API request is limited/hr you are advised to manage how you query the API to avoid exhausting the limits.

Response header status

The response header status codes are described in the table below.

Pagination

Every endpoint with pagination will have data, thus:

DATA."itemsList[]"
// Here, array of the items returned and their content field are self-explanatory

 DATA."paginator": {
        "itemCount": 9,
        "perPage": 2,
        "pageCount": 5,
        "currentPage": 1,
        "pagingCounter": 1,
        "hasPrevPage": false,
        "hasNextPage": true,
        "prev": null,
        "next": 2
      }
 // Here, 
 // itemCount = total number of items. Others are self-explanatory.
 // prev = previous page number

Switching page in pagination

Set query params:

1. pageId | INT (the page you wish to load: default is 1)

2. perPage | INT (number of items you want to return on each page.. Default is 18, or 20)

3. sort | String (ENUM >> desc,asc) (sort order for the items) default = desc

NB: Please check swagger swagger/doc/index.html/#/APP_INFO for sample pagination data (GET/info/app/pagination/sample THANKS)

Auto Save (Flexible & Fixed)

Auto save means the user sets his auto save configuration such that once funds enter the wallet we can auto save it to the savings plan either flexible or fixed.

NB: auto fixed savings overrides flexibles savings (should the user enable both on any wallet)

Globally, we can enable or disable auto saving in the entire system.

On each Currency we can enable / disable auto save too.

How autosave works

User sets auto save config in his wallets. Any time the fund enters the user wallet we create a job to auto save the fund in 12 hrs. If in 12 hrs time we try to auto save the fund and the fund is no longer there, we drop the job process. *Fixed savings require the user to select the savings profile that the auto save will top up the fund or leave it empty for a new one to be created.

*users are not allowed to select fixed saving profile yet

Auto save config settings

Call back & Webhooks

Edit profile and set your webhook URL. We enable only one URL with module filters. What we offer here is an Unauthenticated POST RESTful webhook over HTTPS only.

NB: callbacks are not guaranteed.

Webhook parameters

WhatsApp Integration Community

Notes

1. The database time zone is UTC.

Description

We are looking for a seasoned Community Manager who will help manage, grow, and develop our large community across several different social networks and several languages in various parts of the world. The Community Manager will also work with our partners and help craft blogs and execute the distribution of our Marketing and PR campaigns. This person will work directly with our Executive Team, which is based out of Nigeria and California.

Who should you be? You should be passionate, driven, creative, and task-oriented. You must be able to work with a diverse group of people – as blockchain and cryptocurrency know no boundaries – across many different time zones.

The skills we’ll need from you:

• Proficient in English.

• Excellent writing skills.

• Experience with most of these social networks (and willingness to learn the others): Telegram, Twitter, WeChat, Facebook, Instagram, LinkedIn, Reddit, and Discord.

• Experience with Medium and Substack is a plus.

• Ability to adapt and take direction.

• Able to drive initiatives and create new campaigns.

• Ability to work in a fast-paced environment.

• Ability to monitor, keep track, and analyze relevant community KPIs.

How to apply:

Description

As a blockchain company that caters to tech-savvy crypto enthusiasts, as well as millions of unbanked across the world, the Content Marketing Manager for Xend Finance will need to be able to create and distribute a diverse array of content campaigns across numbers of social media and email campaigns. This candidate will also need to be able to handle campaigns in several different languages across several different countries and continents.

The skills and job requirements we'll need from you:

• Data-driven and highly analytical.

• Proficiency with Google Analytics.

• Proficiency with social media analytics.

• Time management skills.

• Excellent interpersonal skills.

• Orchestrating digital content strategies across all online platforms.

• Driving traffic and engagement that translates to sales and brand promotion.

• Managing a content marketing budget.

• Measuring the results of marketing activity to inform future marketing campaigns.

• Managing a team of writers, illustrators, and data analysts.

• Implementing SEO best practices.

How to apply:

Description

We are looking for a Director of Business Development who is ready to join a high-growth company at the forefront of a technological revolution. This position requires a unique skill set, as we are forming partnerships with credit unions, banks, and financial institutions, as we onboard traditionally underserved people and regions. Our Director of Business Development will need to know how to work and communicate with traditional institutions who might not necessarily know much about blockchain or cryptocurrency. Our perfect candidate will also need to be able to convey the needs and product requirements to our developers and product managers.

The skills and job requirements we’ll need from you:

• Building solid relationships with customers, vendors, and distributors, as well as sales and marketing teams.

• Developing in-depth knowledge of company offerings to identify profitable business opportunities.

• Direct marketing efforts by presenting market research to marketing directors and suggesting strategies to expand market research.

• Developing and managing strategic partnerships to grow business.

• Presenting business or marketing opportunities to company executives and management.

• Excellent analytical, problem-solving, and decision-making skills.

• Exceptional leadership and management skills.

• Effective communication and negotiation skills.

How to apply:

Description

The Xend Finance Blockchain QA Engineer is responsible for leading the end-to-end quality of projects within the company’s Web and forthcoming Mobile Application portfolios. The QA Test Engineer creates, tests, and plans for both manual and automated testing of complex blockchain and mobile applications. The right candidate will deliver creative and innovative solutions to support the development team through planning and prioritization of test design, test development, and test automation activities.

The skills and job requirements we’ll need from you:

• Reviewing quality specifications and technical design documents to provide timely and meaningful feedback.

• Creating detailed, comprehensive, and well-structured test plans and test cases.

• Estimating, prioritizing, planning, and coordinating quality testing activities.

• Identify, record, document thoroughly, and track bugs.

• Perform thorough regression testing when bugs are resolved.

• Develop and apply testing processes for new and existing products to meet client needs.

• Liaise with internal teams (e.g. developers and product managers) to identify system requirements.

• Monitor debugging process results.

How to apply: