Developer Documentation

Stage 12 Final Report

Stage 12 Final Readiness Report

SikaaHub API is structurally complete for backend pilot preparation.

Completed Stages

• Core API framework and documentation portal.
• Authentication, customers, merchants, QR, KYC, OTP, and device security.
• Wallet engine, immutable ledger, payments, withdrawals, commissions, settlements.
• Provider abstraction, webhooks, reconciliation, queues, notifications.
• Production hardening, observability, backups, deployment scripts.
• Mobile app backend endpoints.
• Merchant dashboard backend.
• Admin operations backend.
• Sandbox/testing infrastructure.
• Developer portal backend foundation and partner APIs.
• Final audit/compliance/security readiness artifacts.

Security Controls

Bearer auth, API-key auth, hashed credentials, hashed PIN/OTP/API keys, idempotency, rate limiting, secure headers, CORS allowlist, audit logs, request IDs, risk alerts, blacklist, webhook signatures, sandbox production guard.

Compliance Artifacts

Final system audit, security checklist, pentest scope, regulatory readiness notes, policies list, privacy data map, incident response plan, pilot/production launch checklists.

Operational Controls

Queue workers, cron examples, health/deep health checks, request/error/slow logs, backup and restore docs, runbooks, audit validator, ledger checker, reconciliation dry run.

Known Gaps

• Real PSP/bank/telco/GhIPSS integrations are not certified.
• Public developer portal, admin portal, merchant dashboard UI, and mobile apps are not built.
• Admin 2FA and sensitive action confirmation need final enforcement review.
• Outbound webhook delivery currently has a safe queued/mock delivery path.
• Legal/regulatory/security reviews are still required.

Recommendations Before Pilot

• Deploy to staging with APP_MODE=sandbox.
• Run sandbox, QA, security smoke, ledger, audit, and reconciliation checks.
• Select limited pilot merchants and customers.
• Configure SSL, queues, cron, backups, admin access restrictions, and monitoring.
• Review all high/critical findings.

Recommendations Before Production

• Complete provider agreements and live certification.
• Complete external security audit and penetration test.
• Complete legal, data protection, AML/KYC, and regulatory reviews.
• Complete DR restore test and provider reconciliation signoff.

Next Step

Proceed with mobile app development and dashboard/admin UI development against the stable /v1 backend contract.