# Shika Protocol

> API reference for Shika Protocol — identity, stablecoin, savings, lending, JIT liquidity, and RWA services on Base.

## Docs

- [Architecture](/architecture): **Who it's for:** Developers and technical evaluators who want to understand how Shika's services, contracts, and identity layer connect before building on top of them.
**Why it matters:** Every service is isolated and independent, so teams can integrate one product — say, savings groups — without taking on the complexity of the full stack.
- [Contract Addresses](/deployments): **Network:** Base Mainnet (Chain ID: 8453)
- [Introduction](/introduction): **Who it's for:** Developers building financial apps for African markets, and any service integrating mobile money, savings, credit, or digital currency for users in Ghana and beyond.
**Why it matters:** Every product in the stack is pre-wired to a single verified identity — one KYC, zero re-verification, and no private key management for end users.
- [core-stablecoin](/stablecoin): **Who it's for:** Users in Ghana who want to hold, send, or use digital money that moves with the Ghana Cedi — and developers building payments or savings products denominated in local currency.
**Why it matters:** cGHS is 100% fiat-backed and verifiable on-chain, giving users in Ghana a stable digital currency they can convert to and from mobile money without touching a bank.
- [Deposit & Withdraw](/stablecoin/mint-burn): **Who it's for:** Users topping up or cashing out their cGHS balance via mobile money or bank transfer, and developers integrating deposit and withdrawal flows into their apps.
**Why it matters:** Moving money on and off chain is as simple as a mobile money transfer — users pay in GHS through familiar channels and receive spendable cGHS immediately on confirmation.
- [Oracle & Reserves](/stablecoin/oracle): **Who it's for:** Developers building products that use cGHS prices or need proof that the stablecoin is fully backed — including lending, liquidity, and audit integrations.
**Why it matters:** Live GHS/USD rates keep every product fairly priced, and cryptographic proof of reserves means users can verify the stablecoin is fully backed without trusting anyone's word.
- [Savings Goals](/savings/goals): **Who it's for:** Individuals saving toward a specific target — school fees, a business asset, a family event, or a down payment — who want their money to grow while it waits.
**Why it matters:** Locking funds toward a named goal creates the discipline of a term deposit with the flexibility to bridge into a purchase the moment the goal matures.
- [ROSCA Groups](/savings/groups): **Who it's for:** Market women, traders, and salaried workers who want to save together and take turns receiving a lump sum — just like a traditional *susu* or *tontine*.
**Why it matters:** ROSCA groups eliminate the middleman — no bank account needed, contributions are enforced on-chain, and payouts happen automatically to the elected recipient.
- [core-savings](/savings): **Who it's for:** Individuals who want to save with a group, earn yield on idle cGHS, or lock money away toward a specific goal — from school fees to a business deposit.
**Why it matters:** Shika brings three familiar African savings behaviours on-chain — the *susu* group, the piggy bank, and the goal jar — so users earn more and stay accountable without needing a bank account.
- [Yield Vault](/savings/yield): **Who it's for:** Anyone holding cGHS who wants their idle money to grow — from a small business owner keeping working capital to an individual saving between group cycles.
**Why it matters:** Instead of sitting idle, deposited cGHS is put to work funding loans and generating real yield, with no lock-up and no minimum balance.
- [core-rwa](/rwa): **Who it's for:** Asset issuers and investment platforms in Africa who want to bring real-world assets — property, bonds, business equity — on-chain so they can be traded, financed, and held by verified investors.
**Why it matters:** Tokenising a Ghanaian property or government bond makes it investable by anyone with a Shika identity, not just those with access to formal brokerage accounts.
- [RWA Oracle](/rwa/oracle): **Who it's for:** Platforms and users who rely on accurate, tamper-proof pricing for tokenised assets — especially when using RWA tokens as collateral or trading them on-chain.
**Why it matters:** Prices are proven using cryptographic verification against real-world data sources, so no single party can manipulate the price of a tokenised Ghanaian property or bond.
- [Tokens & Compliance](/rwa/tokens): **Who it's for:** Issuers deploying a new tokenised asset and compliance officers who need to control which countries and investor types can hold it.
**Why it matters:** Every RWA token comes with built-in compliance rules that automatically block ineligible investors, so issuers stay within regulatory boundaries without manual oversight.
- [BNPL](/lending/bnpl): **Who it's for:** Shoppers who want to spread the cost of a purchase over time, and merchants who want to offer installment plans without managing credit risk themselves.
**Why it matters:** BNPL brings structured installment credit to African markets where consumer finance is scarce — purchases are paid in predictable monthly steps drawn directly from a lending pool.
- [Collateral & Credit](/lending/collateral): **Who it's for:** Asset holders — property owners, investors, or businesses holding tokenised real-world assets — who want to unlock liquidity without selling what they own.
**Why it matters:** Tokenised assets act as collateral directly on-chain, so holders can borrow cGHS against the value of a property or bond without going through a bank or selling the asset.
- [core-lending](/lending): **Who it's for:** Borrowers who need working capital or want to buy now and pay in installments, capital providers looking to earn interest on deployed cGHS, and businesses offering credit to customers.
**Why it matters:** Access to credit on Shika is based on verified identity and on-chain behaviour — not a bank relationship — so more people qualify and terms improve as they build a track record.
- [Lending Pool & Loans](/lending/pool): **Who it's for:** Capital providers — businesses, cooperatives, or investors — who want to earn interest by supplying cGHS to a pool that verified borrowers can draw from.
**Why it matters:** Delegates set their own terms and bear first-loss risk, creating a market-driven lending layer where pool operators are accountable and borrowers get transparent pricing.
- [Yield Vault & Savings Goals](/lending/yield): The `core-lending` service exposes both the YieldVault and SavingsGoal facets on the ShikaLending Diamond. These are the same primitives as in `core-savings` — `core-lending` simply provides the full lending context alongside them.
- [On-Chain Keepers](/keepers): **Who it's for:** The protocol itself — keepers run invisibly in the background, keeping prices fresh, enforcing repayment schedules, and processing defaults without any user needing to trigger them.
**Why it matters:** Automated enforcement makes the protocol trustworthy for everyone — borrowers know the rules are applied consistently, and lenders know late payments and defaults are handled on time.
- [USSD / Offline Access](/keepers/ussd): `rpc-service-offline` is an Express server that bridges feature phones and USSD sessions to the Shika smart contracts. Users with no smartphones can save, borrow, and transfer cGHS via a `*123#` dial code.
- [core-jit](/jit): **Who it's for:** Anyone swapping between cGHS and USDC, liquidity providers wanting to earn fees on GHS pairs, and developers building payment or currency conversion features into their apps.
**Why it matters:** Deep, always-available liquidity for the Ghana Cedi means users get fair exchange rates instantly, whether they're converting remittances or topping up a merchant account.
- [Liquidity](/jit/liquidity): **Who it's for:** Passive investors and active market makers who want to earn fees from cGHS trading activity without managing individual trades.
**Why it matters:** Providing liquidity to the GHS pair generates fee income while directly supporting price stability and trade execution for every user on the platform.
- [P2P Offer Book](/jit/offers): **Who it's for:** Verified liquidity providers — businesses, remittance operators, or individuals — who want to earn a spread by offering to exchange cGHS at their own price.
**Why it matters:** P2P offers let real market participants set prices based on local GHS demand, keeping the on-chain rate anchored to what the currency is actually worth in the market.
- [Swaps & Price](/jit/swaps): **Who it's for:** Users converting between cGHS and USDC — whether sending money, cashing out, or accessing a different currency for a purchase.
**Why it matters:** Swaps route automatically through the best available liquidity source, so users always get a competitive rate without needing to understand how the market works underneath.
- [Identity — SSI Bedrock](/identity): **Who it's for:** Every Shika user — from a market trader in Accra opening their first digital wallet to a developer onboarding customers into a savings or lending product.
**Why it matters:** A single verified identity unlocks every product on the platform, so users never repeat KYC and their financial history compounds over time into a credit score.
- [KYC Flow](/identity/kyc): **Who it's for:** Mobile and web app developers integrating user onboarding, and any backend service that needs to verify a new user's identity before granting access.
**Why it matters:** The KYC flow handles identity verification, wallet creation, and on-chain credential issuance in one pipeline — so a user goes from sign-up to fully verified in minutes, not days.
- [SSI & Claims](/identity/ssi): **Who it's for:** Service developers building any Shika product that needs to confirm a user is verified before allowing them to borrow, trade, or hold assets.
**Why it matters:** A single on-chain credential check replaces every per-product identity gate — compliance is automatic and consistent across the entire protocol.
- [Contra KYC — On-Chain Compliance](/contra-kyc): Contra KYC is an on-chain compliance scoring service for Web3 agents and wallets. It indexes EVM activity via [Substreams](https://substreams.streamingfast.io/), stores structured profiles in MongoDB, and exposes an AI-powered AML risk scoring API.