# PayWella AI

- **Event:** [Meta Global AI Developer Hackathon](https://cerebralvalley.ai/e/meta-ai-developer-hackathon)
- **When:** Oct 26, 12:00 PM – Nov 4, 9:00 PM (EST)
- **Where:** Online
- **Team:** [Usifoh Joshua](https://cerebralvalley.ai/u/usifohjoshua)
- **GitHub:** https://github.com/jjnotmid/PayWella-AI
- **Demo video:** https://youtu.be/aZ0ERxeBJM8?si=R60-NUakhvuqj7ll
- **Gallery:** https://cerebralvalley.ai/e/meta-ai-developer-hackathon/hackathon/gallery
- **Page:** https://cerebralvalley.ai/e/meta-ai-developer-hackathon/hackathon/gallery/3881

PayWella AI is an MCP-powered financial agent that turns WhatsApp conversations into coordinated payments, savings and Ajo recordkeeping.

It serves three connected audiences: organizers managing community collections, members tracking their contributions, and everyday users paying bills or supporting family.

A user can send one message or voice note requesting a transfer and several savings tasks. The agent preserves details through clarification, accesses owner-scoped tools through MCP, and prepares up to five tasks in one editable review. The user checks recipients, amounts and fees, then approves the exact batch once with a private four-digit transaction PIN.

Independent tasks execute concurrently, while dependent operations retain their required order. Pending, failed and completed outcomes are tracked separately, with grouped receipts available through the web companion and WhatsApp.

For Ajo organizers, a notebook photo becomes candidate names and amounts for member matching and explicit review. Cash collection records never create invented wallet funds. Members privately accept disclosed contribution and fee terms, while dated allocation prevents contributions from being counted twice.

The prototype uses Node.js, TypeScript, PostgreSQL and a responsive web companion. It targets English, Nigerian Pidgin, Yoruba, Igbo and Hausa. Financial execution uses simulated funds. WhatsApp test-number access restrictions and reproducible local testing instructions are documented in the public repository.

## More from Meta Global AI Developer Hackathon

- [Calipa](https://cerebralvalley.ai/e/meta-ai-developer-hackathon/hackathon/gallery/3878)
- [Clinibrium Listen](https://cerebralvalley.ai/e/meta-ai-developer-hackathon/hackathon/gallery/3879)
- [Prabodh_dev](https://cerebralvalley.ai/e/meta-ai-developer-hackathon/hackathon/gallery/3880)
- [Relais](https://cerebralvalley.ai/e/meta-ai-developer-hackathon/hackathon/gallery/3882)
- [AuraHealth](https://cerebralvalley.ai/e/meta-ai-developer-hackathon/hackathon/gallery/3883)
- [OVN Nexus](https://cerebralvalley.ai/e/meta-ai-developer-hackathon/hackathon/gallery/3884)

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