PabandiOS README
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: The Trust & Payments Protocol for Emerging Markets
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:
- Sitara — Booking & discovery for services, hospitality, and rentals
- Saf OS — Freight & logistics management for carriers and shippers
- Haq OS — Property management for landlords and tenants
Users earn $PAB rewards for every transaction, while Jev AI handles all security and decision-making behind the scenes — 400x cheaper than traditional LLMs.
The Pabandi Vision
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:
- Escrow smart contracts — Funds locked until both parties fulfill
- AI Trust Oracle — Dynamic trust scoring based on real behavior
- Mobile money integration — Raast, JazzCash, EasyPaisa for PKR
- Frictionless payments — 1-click checkout, no crypto jargon
- Jev security — 400x cheaper than LLMs for fraud detection
The Three OS Layers
1. Sitara (Emerald)
Booking, discovery, and hospitality. Find restaurants, hotels, and services. Book with one click. Earn $PAB rewards.
Key Features:
- Discovery feed with "Near me" search
- 3-step booking flow
- QR code check-in
- Review and rating system
2. Saf OS (Amber)
Freight and logistics management. Post loads, find carriers, track shipments.
Key Features:
- Load board with search/filter
- AI-powered carrier matching
- Rate calculator
- Shipment tracking
- Carrier directory with ratings
3. Haq OS (Violet)
Property management for landlords. Manage tenants, leases, maintenance, and revenue.
Key Features:
- Revenue dashboard (weekly/monthly/yearly)
- Tenant management with risk scores
- Lease management (create/renew/terminate)
- Maintenance request Kanban board
- Financial reporting
- Communication tools
Core Protocol Features
Jev Decision Engine
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 |
Pakistan Payments (Raast-First)
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.
Frictionless Payment Agent
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 |
$PAB Token & DEX
- Token: SPL token on Solana mainnet (mint:
G811FHWiZrqY1DZKz6dQySpJFPTDfe21B8LRnDqa1z5Y) - Pool: PAB/USDC pair on Raydium
- Staking: Bronze/Silver/Gold/Platinum tiers with APY
- Rewards: Earn $PAB for bookings, check-ins, and referrals
- Discounts: 5% off when paying with PAB
Tech Stack
| 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) |
Live Platform
- Production App: https://pabandi.com (or
https://pabandi-42c5b.web.app) - Backend API:
https://pabandi.onrender.com
Deploy (one command)
Manual equivalent:
After deploy, hard-refresh pabandi.com (Cmd/Ctrl+Shift+R). The SPA shell is served no-cache, so it reflects instantly.
Quick Start (Local Development)
1. Clone the Repository
2. Backend Setup
Ensure you have PostgreSQL running locally or update the DATABASE_URL in your .env file.
3. Frontend Setup
In a new terminal window:
The application will be available at http://localhost:5500 or http://localhost:3000.
License
This project is licensed under the MIT License. See LICENSE for full terms.
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