The project team lead is Onose Oghenevwogaga, a web3 developer and blockchain community advocate. His discord ID is ogasky and linkedin url is https://www.linkedin.com/in/onose-ogaga/

One additional web3 developer will be engaged to join the team lead on this project if this grant is approved.

BillPayment is a Decentralized Finance & Lending platform that provide users with micro loan & bills payment in fiat using crypto. The smart contract that will power the business operation will be developed using soroban. Also, horizon will be used to connect to the Stellar blockchain.

BillPayment will enable users to pay for goods and services in fiat currency from their crypto wallet, and also provide micro loan to users base on their cash flow credibility. Target audience are local business owners and crypto enthusiasts/users.

The rust and cargo dependencies as well as Stellar SDK will be installed to enable the soroban contract to be developed and deployed. In addition the horizon API will be integrated as well. 

1. [Stellar Design workflow]
   1. Brief description: Develop the entire Stellar BillPayment design work flow
   2. How to measure completion: Report to be shared after completion
   3. Estimated date of completion: 1 week
   4. Budget: 12000 USD
2. [Environment setup & Smart Contract development & User Interface Connection]
   1. Brief description: Set up the developer environment, installation of dependencies and smart contract development, as well as connect the stellar blockchain to the user interface.
   2. How to measure completion: Report to be shared after completion
   3. Estimated date of completion: 4 weeks
   4. Budget: 31000 USD
3. [Documentation and Testing]
   1. Brief description: Develop a documentation of the development process and user guide onboarding video, as well as testing of the smart contract and horizon API functionalities.
   2. How to measure completion: Report to be shared after completion
   3. Estimated date of completion: 1 weeks
   4. Budget: 7000 USD