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ernesteze
@ernesteze

Dear Mojaloop-Team,

please allow me to introduce ourselves to you. We are "re.new" a startup that wants to change the way money is being sent to the developing world. Part of our founding team is fully aware of the difficulties of sending money to support family back home in Nigeria & Camaroon.

While working on our technology we found out that there is a problem with changing cryptocurrency to an local currencies in Africa in order for it to be paid into a Mobile Money Account (directly). We believe that you have the knowledge and expertise we could use to further developing platform.

We would love to get in touch with you, and discuss our ideas, and also, ask for advice on how to develop our platform further.

We look forward to hearing from you soon.

Best regards
Ernest

You can write us at info@renew-transfer.com if that works better for you.
Bill Hodghead
@bhcrosslake
@millerabel - GitHub notifications are in the Gitter app (right hand side). I'm still figuring out how they handle notifications for them.
Bill Hodghead
@bhcrosslake
@ernesteze - Welcome to Re.new! We use the Interledger.org protocol for transferring money. See https://github.com/LevelOneProject/Docs/blob/master/ILP/README.md
We do not modify any of the interledger components. We have an extention to adapt to our schema.
Bill Hodghead
@bhcrosslake
We don't use any of the crypto currencies for our connectors, but we've tested this with connecting block chain and other connectors.
Bill Hodghead
@bhcrosslake
For what you are looking for I might also check with https://gitter.im/interledger/Lobby
Vikalp Jain
@vikalpj

Hi Guys,

Thanks for the great project.

We are trying to build a platform and as a payment solution for that platform we are trying to use mojoloop to connect different wallets. Deducting money from a one of the third party wallet and then creditting that money to different wallet service.

I tried to setup the project locally and was able to setup all the components but I wasn't able to find any documentation / instructions where I can find all running services urls or see the user / password already created by the script to use these services.

For eg, I opened up http://10.0.15.12:8020/#/login interface but didn't find any user already setup or a way to setup the user directly.

Can you guys point me to any of the docs where I can find the steps to create the user or to test the setup.

Thanks

Bill Hodghead
@bhcrosslake
Hi @vikalpj, the easiest way to create a new account to test a transfer is through the USSD interface on test financial provider. This calls the central directory and registers a new user.
The first set of machines I mentioned uses the Pathfinder backend for the directory service so the phone numbers have to be real. The 2nd set uses our end user registry as the directory service so the phone numbers can arbitrary.
Vikalp Jain
@vikalpj

Thanks @bhcrosslake, What about If I need to set up a Third party wallet with Mojoloop for transactions. Is this possible through Mojaloop? If Yes can you point me to the documentations.

This is a gist of what I am trying to do.

I have a customer who is using a wallet X and a merchant who is using a wallet Y. I as a mediator need to transfer money from wallet X to wallet Y. Is this directly possible though mojaloop writing some subroutines or something where moja loop already provides some hooks for plugging in the wallets.

Do you think this is possible as of now?
Bill Hodghead
@bhcrosslake
Yes, @vikalpj, this is possible. Mojaloop provides central services and APIs to allow the providers of both wallets to talk to a set of central services that provide customer lookup, clearing, and deferred net settlement. To make this scenario work, each wallet provider (we call them Digital Financial Service Providers or DFSPs in the docs - https://github.com/mojaloop/docs) has to implement 3 sets of APIs: 1) customer lookup to register a customer or find which DFSP to send the payment to https://github.com/mojaloop/docs/tree/master/CentralDirectory, 2) Scheme Adapter for quoting (https://github.com/mojaloop/docs/tree/master/ILP#execution-flow), and 3) Ledger Adapter, which implements the five bells ledger API for making and receiving the payments https://interledgerjs.github.io/five-bells-ledger/apidoc/
Bill Hodghead
@bhcrosslake
To make this a little easier, we've stuffed our adapters in a Mule instance to allow our API's to be adapted to whatever you have on the DFSP/wallet.
Miller Abel
@millerabel
@vikalpj, just to clarify, our hosted instances of Mojaloop are just for demo and testing purposes for developers who are contributing to Mojaloop or evaluating it for their own use. We do not host commercial or production switching services. You are free to clone the Mojaloop code and create your own service using these assets as a starting point. All the software is licensed under the permissive Apache 2.0 license.
Bill Hodghead
@bhcrosslake
Thanks @millerabel, I've updated the main readme.md to make that a little more clear.
btw, @vikalpj, in looking at the docs some more, I see the docs for all three of the interfaces needed right here: https://github.com/mojaloop/docs/blob/master/Interop%20Services%20and%20Mule/README.md#interfaces. These are a bit simpler to follow than the docs I mentioned earlier.
Vikalp Jain
@vikalpj
Thanks @bhcrosslake, for pointing me to the docs. I will get back to you guys If I have some more questions :)...
Sure @millerabel, I have already setup a vagrant box for testing things at my end :)
drakessenyonga
@drakessenyonga
Hi Guys,
Great project here. Am having a few challenges getting up and running with my test environment. Vagrant is up, however there are no running services. Can someone please point me in the right direction.
Bhodghead
@Bhodghead
Instructions are here: https://github.com/mojaloop/interop-devops/blob/master/README.md. You can try the startup.sh, which should start the services.
drakessenyonga
@drakessenyonga
thank you @Bhodghead. Is there any sample data for the dsfp
like the dfsp-admin
login
Bill Hodghead
@bhcrosslake
Hi @drakessenyonga, the dfsp admin interface (typically port 8020 on the DFSP instance) will give you a login screen. You can use any valid account on that DFSP as: <phone>@maker or <phone>@checker to connect as a maker or checker account type.
In order to create an acount just go through the USSD interface (port 8019). Enter a 10 digit phone number and walk through the menus to create an account.
Bill Hodghead
@bhcrosslake
The next question you're probably goint to ask is "what's the format of the bulk payment file?" so I can send money to a bunch of people using the DFSP admin interface.
sequenceNumber,identifier,firstName,lastName,nationalId,dob,amount
1,27713803905,bob,dylan,123456789,1999-12-10,1200
2,27213971461,alice,cooper,987654321,1989-03-22,1500
mishrankur
@mishrankur
Dear @bhcrosslake I am Co-fonder of the payments technology provider, we provide payments technology to banks, telecoms and payment service providers. I like the idea of Mojaloop, I have specific questions 1. How can I use Mojaloop, is Mojaloop something like Ripple already connected to banks and financial institutions. 2. Can I access the Ripple network working with Mojaloop.
Bill Hodghead
@bhcrosslake
Welcome @mishrankur, Mojaloop is free software licensed under Apache 2.0 that can be used to link together multiple mobile financial providers. It provides central services for clearing, settlement, and some shared fraud/rules services. At this time, Mojaloop is software, not a service. Mojaloop uses Ripple's Interledger protocol without change, and can connect to networks using Interledger.
Kimberly Walters
@kjw000

@ernesteze, @vikalpj, @drakessenyonga, @mishrankur, @rmothilal

Please join us for our first Open Source Mojaloop Conference.
Thursday January 25, 2018
8:30 GMT to 12:30 GMT

Dial-In
.........................................................................................................................................
4006240468 "China All Cities" (Region)
+91 11 3378 1635 "India" (Region)
+234 0 14405224 "Nigeria Lagos" (Region)
0800982830 "South Africa" (Region)
08003761896 "United Kingdom" (Region)
+1 (877) 320-5879 "United States" (Region)

Agenda:
8:30: Introductions
9:00: Mojaloop History and Vision
10:00: Mojaloop Roadmap, Investment Areas and Discussion

ernesteze
@ernesteze
Hi @kjw000 is there also a German number to dial in to?
Kimberly Walters
@kjw000
sorry - I don't have one but you can join the Skype link instead: https://meet.gatesfoundation.org/miller.abel/KC4LMGBP
Antony Omeri
@OmexIT
Hi, am from Kenya, I am interested to link master card and visa and MPESA, I am a little stuck on how to begin.
ernesteze
@ernesteze
@bhcrosslake can we use mojaloop
@bhcrosslake can we use mojaloop to create mobile money wallets that are carrier agnostic?
ernesteze
@ernesteze
@kjw000 unfortunately I could not join the conversation. Do you have a summary of the Telco or are going to do another one?
Kimberly Walters
@kjw000
@ernesteze - mojaloop has not been deployed yet to DFSPs so currently no. However the vision is that the mojaloop open source software would be able to provide for interoperability. And yes I will provide a summary of the conference and also plan to have another one in a couple of months.
ernesteze
@ernesteze
Cool thanks @kjw000! Will you post in this chat or circulate a document via e.g email?
Kimberly Walters
@kjw000
I can set another room in Gitter and post since I do not have everyone's email address.
Bill Hodghead
@bhcrosslake
@OmexIT, Mojaloop is not yet running as a service, it's code that will require regulator approval and bank onboarding. We treat all providers as a simple ledger and use a set of APIs for customer lookup, quoting, and clearing that the financial provider would have to support (or have their APIs adapted to). Does that help?
Antony Omeri
@OmexIT
@bhcrosslake It does help, can someone adapt the code to current scenario where you have floats & accounts on all provider's ecosystem? while waiting for appprovals
Bill Hodghead
@bhcrosslake
@OmexIT Mojaloop leaves a lot of those details to the provider, thought we only support sending money, not pulling funds. The closest we get to a "pull" is that a merchant can create a pending transaction to request that someone send them money. If the payer agrees, the payer sends the money to the merchant.
Clearing is two phase, where the money is put on hold at the payer provider, the transfer goes to the payee. If they agree, the message goes back through the center to the payer and they complete the transfer putting money into a settlement account. We do deferred net settlement that can be resolved on a frequency determined by the scheme.
Brock
@brockhager
Hello I am Brock and I am new here. I have been in bitcoin/blockchain since 2013 and I am interested in this platform to see how it can help the 2 billion people without bank account globally. I have worked in IT for over 11 years
Bhodghead
@Bhodghead
Welcome @brockhager