DatabStudio
The complete data platform for cooperative and microfinance institutions. Works offline. Deploys in a day.
Member Management
NIN verification flow, SHA-256 hashing in plain language, Atlas UUID assignment, consent tracking, and fast search by member details.
- • NIN verification workflow
- • SHA-256 hashing + local site controls
- • Atlas UUID assignment
- • Search by name or phone
Module visual mock
Loan Management
Complete lifecycle from application through guarantor checks, Atlas credit query, approval, disbursement, repayment, and delinquency.
- • Application to approval pipeline
- • Guarantor graph check
- • Atlas credit query
- • Delinquency flagging
Module visual mock
Savings Management
Operational savings workflows with deposits, withdrawals, interest posting, and auditable balance history.
- • Deposit and withdrawal
- • Interest posting
- • Account types
- • Balance history
Module visual mock
Payroll Pipeline
CSV batch upload and NIN-hash matching to automate repayment posting and reduce manual collection follow-up.
- • Batch CSV upload
- • NIN-hash matching
- • Match-rate report
- • Repayment posting confirmation
Module visual mock
WhatsApp Self-Service
Member activation and command-based self-service for BAL, STMT, LOAN, LOAN APP, and HELP with phone-linked controls.
- • START activation flow
- • BAL/STMT/LOAN commands
- • Loan application initiation
- • No NIN exchange over WhatsApp
Module visual mock
Risk Dashboard
Portfolio-level default prediction, guarantor exposure, mandate match rate visibility, and weekly risk cadence outputs.
- • Default prediction score
- • Guarantor exposure graph
- • Delinquent loan list
- • Weekly reporting cadence
Module visual mock
Atlas Core
How NIN becomes UUID-only credit intelligence: NIN → SHA-256 hash → Atlas UUID → Hub registry. Personal identity does not transit the network.
Identity flow
| Data field | Network status |
|---|---|
| Member name | Never shared |
| Atlas UUID | Shared |
| Credit band | Shared |
| NIN hash | Never leaves node |
| Loan details | Never shared |
Offline First Deployment
Node Lite is deployed inside your office and continues daily operations even when internet is down.
Hardware spec
Dell Latitude, Ubuntu 24, PostgreSQL 16, UPS-backed minimum 30-minute runtime.
Sync behavior
All operations remain available offline. Atlas sync resumes automatically and non-blocking on reconnect.
Tech Transparency
For IT leads and technical evaluators.
| Backend | Micronaut / Java 21 |
| Database | PostgreSQL 16 |
| Desktop client | JavaFX 21 |
| Sync protocol | gRPC / Protobuf |
| Identity hashing | SHA-256 + site salt |
| Cloud | AWS Lagos region |
| Migrations | Flyway 10 |
Security highlights: bcrypt passwords, JWT auth, hash-chained audit log, encrypted backups.