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Introduction – SafiHash Trust Score Dashboard

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  • Powered by Hedera Hashgraph Network for next-generation transparency.�
  • Makes cooperative banking more reliable, fair, and easy to manage.�
  • Each member’s on-chain Trust Score updates in real time.�
  • Ensures verifiable deposits, loans, and repayments.

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SafiHash operates through three core components:

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  • Agency or Bank
  • User
  • Group Dashboard

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Agency or Bank

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Agency or Bank

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  • Acts as the official node in the SafiHash network.�
  • Mints BHC tokens (built on HBAR) to the agency’s Hedera ID.�
  • Verifies KYC and manages user onboarding.�
  • Enables users to buy/sell BHC tokens through M-Pesa integration.�
  • Supports both manual and automated transaction options.

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User

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User

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  • Users can create or join cooperative groups.�
  • Share join links to onboard new members easily.�
  • Conduct deposits, withdrawals, loans, and repayments transparently.�
  • All actions are powered by smart automation on Hedera Hashgraph.

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Group Dashboard

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Group Dashboard

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Shows all cooperative activities in one unified interface:�

  • Deposits�
  • Loans�
  • Repayments�
  • Voting�
  • Profit Distribution�

Displays real-time Trust Scores for all members.�

Empowers admins and members with full visibility and accountability.

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Now that we’ve seen how the Agency, User, and Group Dashboard work together —

let’s look at the most powerful part of the SafiHash system — the Trust Score.

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Trust Score Dashboard

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Trust Score Dashboard

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Trust Score Dashboard

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The Trust Score is what makes SafiHash truly transparent and fair.� It’s a live record of each member’s financial behavior —� how regularly they deposit, repay loans, and participate in voting.

Every score update is stored on the Hedera Hashgraph network,� making it tamper-proof, verifiable, and trusted by the entire community.

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Hedera Components Used – What & Why

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Hedera Accounts – Wallets for users and groups; enable identity and HTS transfers.�

HFS (File Service) – Stores KYC files & hashes for tamper-proof verification.�

HTS (Token Service) – Powers the BHC token for deposits, loans, and repayments.�

HBAR – Native token used to pay network transaction fees.�

HCS (Consensus Service) – Logs all key events (KYC, loans, votes, repayments, trust updates) for transparency.�

Smart Contract (Trust Score Module) – Calculates and updates on-chain Trust Scores with audit-backed logic.

Offline Transaction Sync – Ensures pending actions (deposits, repayments, etc.) are safely retried and synced once connection is restored.

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Technology Used

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Backend: Python (Flask), SQLAlchemy ORM�

Frontend: HTML, Bootstrap, JavaScript�

Blockchain Layer: Hedera Hashgraph (HTS, HFS, HCS, Smart Contracts)�

Database: SQLite (demo) / PostgreSQL (production-ready)�

Integration: M-Pesa Sandbox API for token buy/sell�

Hosting: Render / AWS Free Tier�

Version Control: GitHub

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Thank You

SafiHash – Redefining Cooperative Banking with Transparency & Trust�Powered by Hedera Hashgraph�Built for communities, by communities

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