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Welcome to Roja Developer Docs

Roja is a Nigerian peer-to-peer (P2P) lending platform connecting borrowers with lenders through tickets—structured, transparent loan requests and offers—supported by multi-tier KYC verification, direct-debit repayment mandates, and the proprietary Roja Score.

Whether you are an engineer contributing to the Roja monorepo or a partner integrating with the Roja API, this portal at docs.roja.dev provides the complete engineering handbook and API specifications.

Codebase & Engineering Handbook​

Deep-dive into the monorepo architecture, development workflows, financial invariants, and production operations.

Architecture & Topology

Monorepo layout, Go strict-server design, tech stack matrix, and FCCPC compliance rules.

Local Development

Container-free local dev with Nix flakes, Atlas migrations, and Taskfile workflows.

Financial Safety & Ledger

Double-entry audit mirror, chart of accounts, decimal precision, and reconciliation.

Domain Models & Lifecycles

Tickets marketplace, loan amortization, multi-tier KYC pipeline, scoring, and collections.

Web, Staff & Mobile

Next.js App Router, Staff dashboard, Expo React Native, @roja/common, and Storybook.

Async Workers & Operations

Asynq queues, transactional outbox pattern, pprof/Pyroscope profiling, and Flux GitOps.

Platform Domain Guides​

Understand how Roja's primary financial primitives operate from the user and API perspectives.

Tickets Marketplace

Create borrow or lend tickets, negotiate counter-offers, and match counterparties.

Loan Engine & Settlement

Accepted tickets to disbursement, repayment amortization schedules, and settlement sagas.

Identity Verification (KYC)

NIN and BVN paired lookups, selfie liveness checks, and address verification.

Bank Linking & Mandates

Open Banking account resolution and automated direct-debit collection mandates.

API Integration & Quickstart​

Integrate against the unified REST API powering all Roja surfaces.

Quickstart Guide

Authenticate and make your first API call in under five minutes.

Authentication & 2FA

Log in, handle two-factor TOTP challenges, and refresh JWT access tokens.

API Reference

Interactive OpenAPI endpoint documentation with cURL, Node.js, Python, and Go snippets.

Environments

Base URLs for production (api.getroja.com) and staging (api.roja.dev), plus versioning.

Architecture Principles at a Glance​

  • Base URL — https://api.getroja.com in production, https://api.roja.dev in staging, with all routes versioned under /v1.
  • OpenAPI Contract — Hand-authored in backend/spec/, generating strict Go server interfaces and the TypeScript client SDK.
  • Money Safety — All monetary values cross the wire as exact decimal strings (e.g. {"amount": "50000.00", "currency": "NGN"}). Floats are strictly prohibited.
  • Idempotency — Write endpoints that move money require an Idempotency-Key header to prevent double disbursements or duplicate repayments.
  • Zero-Container Local Dev — Local services run natively via Nix flakes (nix run .#services or nix run .#dev).

Need developer support or security escalation? Reach our team at support@getroja.com.