# Clarre

> Clarre is a Nigerian fintech platform that combines expense tracking, bill payments, cashback rewards, and a Paystack-powered digital wallet — built for young Nigerians aged 18–40.

## What is Clarre?

Clarre is a smart finance hub built for Nigeria. It lets users track income and expenses by category, pay utility bills, buy airtime and data for all major networks, pay electricity and cable TV bills, and send money via bank transfer or internal wallet — all from one dashboard or via WhatsApp.

The platform is designed around the financial realities of young working Nigerians: irregular income, high mobile data spend, monthly utility payments, and the need to share money quickly with friends and family.

## Core Features

- **Expense & Income Tracking**: Log earnings and expenses manually. Categorise spending (food, transport, utilities, etc.). View monthly breakdowns and trend charts. Export reports to PDF or Excel.
- **Bill Payments (VTU)**: Buy airtime and data bundles for MTN, Glo, Airtel, and 9Mobile. Pay prepaid electricity meters (PHCN/NEPA/DisCos). Subscribe or renew DSTV, GOtv, and Startimes cable TV. Powered by Ringo Nigeria.
- **Digital Wallet**: Every user gets a dedicated Paystack virtual bank account number. Fund the wallet by transfer from any Nigerian bank. Spend wallet balance on bill payments and bank transfers.
- **Cashback Rewards**: Earn cashback on qualifying bill payments. Cashback is held in-app and can only be used to offset future bill payments on Clarre. Never expired.
- **Bank Transfers**: Send money to any Nigerian bank account via Paystack. Zero-fee wallet-to-wallet transfers between Clarre users. Transaction PIN protected.
- **WhatsApp Bot**: Full bill payment and expense logging via WhatsApp — no app install needed. Link your Clarre account to your registered phone number.
- **Budget Targets**: Set savings or spending caps per category. Visual progress tracking.
- **Project Finance Tracking**: Track income and costs per project or client. Useful for freelancers and SME owners.
- **Analytics Dashboard**: Spending velocity charts, category pie charts, monthly income vs expense comparisons.
- **Subscription Tracking**: Log and monitor recurring subscriptions (Netflix, Spotify, etc.).

## Regulatory & Technical Context

- **Payment Processor**: Paystack (licensed by the Central Bank of Nigeria, CBN)
- **Bill Payment Provider**: Ringo Nigeria
- **Currency**: Nigerian Naira (NGN / ₦)
- **Regulatory Framework**: Operates under CBN guidelines for digital wallets and electronic payments in Nigeria
- **Data Residency**: Nigeria
- **Backend**: Java Spring Boot, deployed on Render
- **Frontend**: React SPA, deployed on Netlify

## Target Audience

- Young Nigerians aged 18–40
- Salary earners wanting to track and control spending
- Freelancers and remote workers with variable income
- Small business owners tracking project costs
- Anyone who pays Nigerian utility bills regularly

## Key Pages

- [Homepage](https://clarre.com.ng/)
- [Bill Payments](https://clarre.com.ng/#bills)
- [Expense Tracker](https://clarre.com.ng/#features)
- [Wallet & Transfers](https://clarre.com.ng/#wallet)
- [Pricing](https://clarre.com.ng/#pricing)
- [WhatsApp Bot](https://clarre.com.ng/#whatsapp)
- [About Clarre](https://clarre.com.ng/about)
- [Privacy Policy](https://clarre.com.ng/privacy)
- [Terms & Conditions](https://clarre.com.ng/terms)
- [Security](https://clarre.com.ng/security)

## Full Content

- [llms-full.txt](https://clarre.com.ng/llms-full.txt)

## Contact

- General: support@clarre.com.ng
- Security: security@clarre.ng