CashTrace

01 Overview

CashTrace is an AI-powered cashflow tracking and compliance platform built for Nigerian SMEs. The platform lets businesses upload receipts (images), bank statements (PDFs), or POS exports (CSVs), Google Gemini AI then extracts and categorizes every transaction automatically. Beyond tracking, CashTrace handles NDPR compliance out of the box: consent management, data subject access requests (DSAR), data retention policies, and breach notification workflows. All amounts are stored in kobo (smallest Naira unit) as BigInt to avoid floating-point precision issues, with strict multi-tenant business-level data isolation.

02 The Challenge

Nigerian SMEs struggle with fragmented financial records spread across paper receipts, bank PDFs, and POS terminal exports. Manual data entry is error-prone and time-consuming, while most accounting tools aren't built for the Nigerian market, they don't handle Naira properly, lack NDPR compliance features, and can't process the variety of document formats local businesses deal with daily. The challenge was to build a platform that automates transaction extraction from multiple document types using AI, while ensuring full regulatory compliance and data isolation for multi-tenant business use.

03 The Solution

1. 01Built a document processing pipeline using Google Gemini AI that extracts and categorizes transactions from receipt images, bank statement PDFs, and POS CSV exports automatically.
2. 02Developed the backend with Node.js 20, TypeScript, Express 4, PostgreSQL (Prisma ORM), Redis (ioredis), and BullMQ for background job processing of document extraction tasks.
3. 03Built the frontend with Next.js 14 and React 18, featuring a clean dashboard for transaction tracking, document uploads, and business analytics.
4. 04Implemented duplicate transaction detection to prevent double-counting across different document sources and upload batches.
5. 05Built a full NDPR compliance module covering consent management, DSAR handling, configurable data retention policies, and breach notification workflows.
6. 06Stored all monetary amounts in kobo as BigInt to eliminate floating-point precision errors common in financial applications.
7. 07Implemented multi-tenant architecture with strict business-level data isolation, ensuring each business can only access its own financial data.
8. 08Set up multi-channel notifications (email, SMS, in-app, push) and a business analytics engine for cashflow insights.

04 Key Features

• AI-powered extraction from receipts, bank statements, and POS exports
• Automatic transaction categorization via Google Gemini
• Duplicate transaction detection across sources
• NDPR compliance: consent, DSAR, retention, breach notification
• Kobo-precision storage with BigInt for Naira amounts
• Multi-tenant with strict business-level data isolation
• Business analytics and cashflow insights dashboard
• Multi-channel notifications (email, SMS, in-app, push)