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📖 Overview

Moneta is a premium, full-stack Mobile Financial Services (MFS) wallet that simulates real-world e-banking and digital cash transfers. Built with a Next.js 16 App Router frontend, a Node.js / Express backend API, and MongoDB Atlas for cloud persistence — it delivers a secure and intuitive digital banking experience in a responsive mobile-app shell.

Live at → https://moneta-topaz.vercel.app

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🛠️ Technologies Used

Frontend (moneta-client)

Technology	Version	Role
Next.js	16.2.10	React framework (App Router)
React	19.2.4	Core UI library
Tailwind CSS	^4	Utility-first CSS
DaisyUI	^5.6.10	Component library with light/dark themes
Better Auth	^1.6.23	Authentication client
React Toastify	^11.1.0	Toast notifications
Fontshare	—	Premium typography (Satoshi + Clash Display)

Backend (moneta-server)

Technology	Version	Role
Node.js	≥18	Runtime
Express.js	^4.21.2	HTTP server & routing
MongoDB Atlas	—	Cloud-hosted database
Mongoose	^8.9.5	MongoDB ODM
Better Auth	^1.6.23	Authentication engine
dotenv	^16.4.5	Environment variable loader
cors	^2.8.5	Cross-origin request handling

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✨ Core Features

🔒 Security & Authentication

• Credentials Login — session-based auth via Better Auth with hashed phone + password
• Secure Registration — Name, Phone, Password, and 4-digit security PIN sign-up flow
• Mandatory PIN Checks — every financial action (deposit, transfer, cashout, bills) requires PIN verification
• Show/Hide PIN Toggle — visual masking control for field reassurance

💸 Wallet & Financial Services

• Live Balance Card — real-time account balance fetched from MongoDB
• Add Money — simulated card (Visa/Mastercard) and bank deposit integrations
• Cash Out — withdraw funds with a standard 1.85% agent fee calculation
• Send Money — atomic peer-to-peer transfers using phone number identifiers
• Pay Bill — settle utility bills (Electricity, Water, Gas, Internet) with biller and subscriber validation
• Transaction Ledger — full history with category filters (Add, Cashout, Transfer, Bill, Bonus) and name/reference search

🎁 Promo System

• Claim Bonus — redeem promo codes (WELCOME50 → +$50) verified against database, one-time use enforced

🎨 UI & Visual

• Mobile App Shell — styled viewport wrapper mimicking a modern smartphone frame with elevation shadows
• DaisyUI v5 Themes — built-in light/dark mode switcher
• Responsive Sliding Action Sheets — bottom-slide modal panels for all financial actions

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📂 Repository Layout

moneta/
├── README.md               # This file
├── .gitignore              # Root Git config
├── moneta-client/          # Next.js App Router frontend
│   ├── src/
│   │   ├── app/            # Routes, layouts, pages
│   │   └── components/     # UI components
│   ├── public/
│   ├── package.json
│   └── next.config.mjs
└── moneta-server/          # Express.js REST API
    ├── routes/wallet.js    # All wallet API endpoints
    ├── models/             # Mongoose schemas
    ├── middleware/         # Auth middleware
    ├── auth.js             # Better Auth config
    ├── db.js               # MongoDB connection
    ├── server.js           # Entry point
    ├── seed.js             # Database seeder
    └── package.json

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🚀 Run Locally

Prerequisites

• Node.js v18 or higher
• npm v9 or higher
• A MongoDB Atlas account (free tier works)

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1 — Clone the Repository

git clone https://github.com/iMoloy/moneta.git
cd moneta

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2 — Backend Server Setup

cd moneta-server
npm install

Create your environment file:

cp .env.example .env

Open .env and fill in the required values:

# MongoDB Atlas connection string
MONGODB_URI=mongodb+srv://<user>:<password>@cluster.mongodb.net/moneta

# Better Auth — generate with: openssl rand -hex 32
BETTER_AUTH_SECRET=your_secret_key_here

# URL of the running frontend (for CORS)
CLIENT_URL=http://localhost:3000

Start the backend:

npm run dev

Server runs on http://localhost:5000

(Optional) Seed the database with demo billers and deposit sources:

npm run seed

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3 — Frontend Client Setup

cd ../moneta-client
npm install

Create your environment file:

cp .env.example .env.local

Open .env.local and set the backend URL:

NEXT_PUBLIC_API_URL=http://localhost:5000
BETTER_AUTH_SECRET=your_secret_key_here   # must match server
NEXT_PUBLIC_APP_URL=http://localhost:3000

Start the frontend:

npm run dev

App runs on http://localhost:3000

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Available Scripts

moneta-client

Command	Description
npm run dev	Start development server with HMR
npm run build	Build production bundle
npm run start	Serve production build
npm run lint	Run ESLint

moneta-server

Command	Description
npm run dev	Start server with --watch (auto-restart)
npm run start	Start production server
npm run seed	Seed MongoDB with demo data

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🔗 Resources

• 🌐 Live App → https://moneta-topaz.vercel.app
• 🐙 GitHub → github.com/iMoloy/moneta
• 💼 Author → linkedin.com/in/iMoloy

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_{Made with ❤️ by Moloy Krishna Paul}