Developer Documentation

Final System Audit

Final System Audit

This audit is an internal readiness review for controlled pilot preparation. It is not a certification or regulatory approval.

| Module | Current status | Risks found | Before pilot | Before production |

| --- | --- | --- | --- | --- |

| Authentication | JWT access tokens, hashed refresh tokens, device capture, OTP support | Admin 2FA is still a placeholder in some flows | Enforce admin OTP for all staff logins | Independent auth review and session hardening |

| Authorization | Role middleware and permissions tables exist | Permission mapping is broad for some admin routes | Review role matrix with operations team | Granular permission enforcement per endpoint |

| Customer onboarding | Ghana phone normalization, OTP, wallet creation | KYC level rules need business signoff | Confirm onboarding copy and support flow | Formal KYC/customer policy approval |

| Merchant onboarding | Merchant status/KYC/admin approval/QR | Approval workflow needs compliance checklist | Pilot only approved tagged merchants | Legal merchant agreement and compliance review |

| KYC | Submission/document tables and secure storage pattern | Document download audit should be reviewed | Confirm files outside public root | Retention and regulator-ready KYC policy |

| Payments | Idempotency, transaction records, wallet mode, provider mode placeholders | Real provider finalization still mocked | Sandbox/pilot caps and manual reconciliation | Provider certification and live settlement signoff |

| Withdrawals | Multi-step confirmation and commissions | Cash payout operational controls need SOP | Train pilot merchants | Provider/telco/bank rules integrated |

| Wallets | Stored balances plus ledger source of truth | Ledger checker may report legacy gaps | Run ledger check before pilot | Formal finance controls and daily reconciliation |

| Ledger entries | Immutable pattern with reversals | Some legacy adjustment flows can be single-entry | Review checker warnings | External audit of ledger accounting |

| Commissions | Rule engine and commission records | Commercial rates need signoff | Pilot test flat/percentage rules | Finance approval and settlement policy |

| Settlements | Settlement tables and admin actions | Real payout rails not connected | Manual settlement process | Live payout/provider reconciliation |

| Provider abstraction | Interfaces, mock providers, provider logs | Real provider credentials not configured | Use sandbox only | Provider agreements and failover tests |

| Webhooks | Signature middleware, inbound events, outbound developer hooks | Outbound delivery is queued/mock delivery | Test duplicate and invalid signatures | Real retry transport and monitoring |

| Reconciliation | Runs/items and dry-run CLI | Provider file/API reconciliation pending | Daily dry run in pilot | Automated provider reconciliation |

| Fraud/risk | Rules, alerts, blacklist, placeholders | Rules require tuning against real behavior | Monitor high-value and velocity alerts | Compliance/risk model validation |

| Admin operations | Internal management endpoints and audit logs | Sensitive action confirmation still partial | Restrict pilot admin users | Full SoD and admin 2FA |

| Developer API keys | Hashed keys, scopes, usage logs | Public portal UI not built | Sandbox developers only | Legal/API terms and production approval workflow |

| Logs/audit trails | Request, error, audit, slow query, slow request logs | Audit coverage must be checked regularly | Run audit validator weekly | SIEM/alerting and retention policy |

| Queues | DB-backed jobs with locking/retries | Worker monitoring is basic | Supervisor or cron configured | Scaled workers and alerting |

| Backups | Backup scripts/docs exist | Restore test not yet evidenced | Perform restore drill | Encrypted offsite backups and DR test |

| Deployment | Preflight, deploy, post-deploy scripts | Environment-specific server config needed | Staging deployment rehearsal | Production change management |

Critical Fixes Before Pilot

• Run php cli/ledger-integrity-check.php and review all critical findings.
• Run php cli/audit-log-validator.php and document accepted gaps.
• Confirm .env, KYC files, logs, config, database, and storage are not publicly accessible.
• Configure SSL, cron, queue workers, backups, and admin IP/role restrictions.
• Use sandbox/mock providers only unless a provider pilot agreement exists.

Critical Fixes Before Production

• Complete legal, regulatory, security audit, penetration testing, provider certification, and data protection review.
• Replace mock outbound webhook delivery with real HTTP transport and alerting.
• Complete provider reconciliation and settlement signoff.
• Enforce admin 2FA and sensitive-action confirmation consistently.