The full upstream README, mirrored here for reference. Install config, tool schemas, adoption signals, and an original overview live on the PabandiOS listing page.
Pabandi is a decentralized trust, escrow, and payments protocol for emerging markets. It combines AI-powered fraud detection, trust scoring, and mobile money integration to create a seamless payment experience for users in Pakistan and beyond.
The protocol operates through three core OS layers:
Users earn $PAB rewards for every transaction, while Jev AI handles all security and decision-making behind the scenes — 400x cheaper than traditional LLMs.
Pabandi exists because trust is the most expensive thing in the world — especially for people who don't have money to spare.
When a freelancer in Pakistan finishes a job and gets ghosted, it's groceries they can't buy. When a landlord has a no-show, they can't make rent. Current platforms punish the people who are trying the hardest.
Pabandi fixes this with:
Booking, discovery, and hospitality. Find restaurants, hotels, and services. Book with one click. Earn $PAB rewards.
Key Features:
Freight and logistics management. Post loads, find carriers, track shipments.
Key Features:
Property management for landlords. Manage tenants, leases, maintenance, and revenue.
Key Features:
All security and AI decisions use Jev — a decision-only model that's 400x cheaper and 200x faster than LLMs.
| Decision | What Jev Does |
|---|---|
| Fraud detection | Flags suspicious transactions |
| Agent risk scoring | Rates carrier/tenant reliability |
| Payment routing | Chooses USDC vs PAB vs PKR |
| Recommendations | Suggests next features to users |
| Anomaly detection | Identifies unusual behavior |
Pabandi uses Pakistan's national payment rail — Raast — for free, instant transfers. Falls back to JazzCash/EasyPaisa for mobile wallet users.
| Method | Cost | Integration |
|---|---|---|
| Raast | FREE | QR code / phone number |
| JazzCash | 1% | Manual verification |
| EasyPaisa | 1% | Manual verification |
Frictionless flow: User clicks "Pay" → Sees Raast QR → Sends payment → Uploads screenshot → Admin verifies → PAB rewarded.
Users NEVER see crypto. The agent handles all complexity:
| User Sees | Agent Does (Hidden) |
|---|---|
| "Pay $25" | Converts USDC → PAB → Lock in escrow |
| "Balance: $500" | Calculates USDC + PAB value at DEX rate |
| "5% PAB discount" | Auto-routes payment through DEX |
| "Trust score: Gold" | Manages staking lock, calculates APY |
G811FHWiZrqY1DZKz6dQySpJFPTDfe21B8LRnDqa1z5Y)| Layer | Technology |
|---|---|
| Frontend | React 18, Vite, TailwindCSS, TypeScript |
| Backend | Node.js, Express, Prisma ORM, PostgreSQL |
| AI | Jev (TypeSafe) for decisions, 400x cheaper than LLMs |
| Blockchain | Solana, Anchor, Raydium DEX |
| Payments | Raast, JazzCash, EasyPaisa, PayLio, Square |
| Deployment | Firebase Hosting (client), Render (server) |
https://pabandi-42c5b.web.app)https://pabandi.onrender.comManual equivalent:
After deploy, hard-refresh pabandi.com (Cmd/Ctrl+Shift+R). The SPA shell is served no-cache, so it reflects instantly.
Ensure you have PostgreSQL running locally or update the DATABASE_URL in your .env file.
In a new terminal window:
The application will be available at http://localhost:5500 or http://localhost:3000.
This project is licensed under the MIT License. See LICENSE for full terms.
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