Optilend

AI-powered alternative credit intelligence demo for MSMEs: Next.js frontend, Express scoring API, segment loan recommendations, and optional encryption helpers.

Packages

Folder	Role	Docs
client/	Next.js 14 (App Router), MSME/bank flows, OptilendScore UI	Run npm run dev inside client/
scoring-layer/	Standalone scoring API: rules + nearest peer in dataset.json	scoring-layer/README.md
client/lib/loan-recommendation/	Segment loan datasets + mapping to dashboard loan cards (bundled with the Next app)	Imported as @/lib/loan-recommendation
security/	AES-256-CBC helpers (ENCRYPTION_KEY) for backends	security/README.md
server/	Optilend Express server (e.g. email routes)	cd server && npm start
Chatbot/, test/	Other services (if used)	See each folder

Quick start (full demo)

1. Install

   npm run install:all

   (Installs client, server, and scoring-layer dependencies.)

2. Scoring API (default port 5055)

   npm run scoring-layer

3. Next client (from repo root)

   npm run client

4. Env (client) — optional but recommended so the browser can reach the scorer:

   In client/.env.local:

   SCORING_API_URL=http://127.0.0.1:5055
   NEXT_PUBLIC_SCORING_LAYER_URL=http://127.0.0.1:5055

   • SCORING_API_URL — used by client/app/api/score/route.ts to proxy POST /api/score → {SCORING_API_URL}/score.
   • NEXT_PUBLIC_SCORING_LAYER_URL — optional direct calls from the browser (lib/scoring-api.ts).

Features (high level)

• Landing: Hero, 3D background, GSAP, security badges
• MSME: Login, AA consent, assessment, dashboard with live OptilendScore from scoring layer
• Bank: Login, portfolio, MSME detail
• Scoring: Explainable 300–900 score (legacy demo + rich assessment); see scoring-layer/README.md
• Loans: Industry-segment recommendations when scoring_segment / profile matches; see client/lib/loan-recommendation/

Client routes

Route	Description
/	Landing
/msme/login	MSME login
/msme/dashboard	Dashboard (score meter, scoring panel, loans)
/bank/login	Bank login
/bank/dashboard	Portfolio
/bank/msme/[id]	MSME detail

Tech stack

• Next.js 14, TypeScript, Tailwind, GSAP, Three.js
• Express (scoring layer + server)

Build (client only)

cd client && npm run build && npm start

Disclaimer

Demo / hackathon use. Not production credit or legal advice.