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Political Scratch Card Fundraising Platform

Complete Technical Proposal & Business Plan

Figma Design

https://www.figma.com/design/tPeHbkVtc1QERApjFLEUFI/Scryn?node-id=0-1&p=f&t=60m14OdLe5VeWqWR-0

📋 Executive Summary

Project Overview

A digital platform that revolutionizes political fundraising in Nigeria through physical scratch cards linked to digital payment redemption. Politicians order customized scratch cards which they distribute during campaigns. Citizens redeem these cards through our mobile app/website and receive money directly to their bank accounts.

Market Opportunity

  • Target Market: Nigerian political campaigns (2027 elections approaching)
  • Market Size: Estimated ₦50-100 Billion in political spending per election cycle
  • Competitive Advantage: First-to-market scratch card redemption platform with robust fraud prevention
  • Revenue Model: 10% service fee on all card orders + printing costs

Business Model Example

Politician Orders: ₦50M in scratch cards
Service Fee (25%): ₦5M
Printing Cost: ₦2.13M (10,650 cards × ₦200)
Total Payment: ₦57.13M
Our Revenue: ₦7.13M per order

🎯 How It Works

The Complete Flow

Step 1: Politician Registration & Order

  1. Politician registers on platform with party details, BVN, NIN

  2. Creates order specifying denominations:

    • ₦2,000 × 5,000 cards = ₦10M
    • ₦5,000 × 3,000 cards = ₦15M
    • ₦10,000 × 2,000 cards = ₦20M
    • ₦50,000 × 500 cards = ₦25M
    • ₦100,000 × 100 cards = ₦10M
    • ₦1,000,000 × 50 VIP cards = ₦50M
    • Total: ₦130M

  3. Platform generates unique scratch card codes with security checksums

  4. Politician pays ₦143M (₦130M cards + ₦13M service fee)

  5. Funds held in escrow account

  6. Cards printed and delivered to politician

Step 2: Card Distribution

  • Politician distributes physical cards at rallies, town halls, door-to-door campaigns
  • Each card has unique code: APC-5K-B001-A3F7B9C2-X7
  • Cards include politician's branding, party logo, campaign message

Step 3: Citizen Redemption

  1. Citizen receives scratch card
  2. Downloads mobile app or visits website
  3. Creates account with phone number + BVN (for KYC)
  4. Scratches card to reveal code
  5. Enters code + bank account details
  6. FRAUD DETECTION ENGINE ANALYZES REDEMPTION (2-3 seconds)
  7. If approved: Money transferred to bank account within 30 minutes
  8. Citizen receives SMS confirmation

Step 4: Real-Time Tracking

  • Politicians see live dashboard with:
    • Total cards distributed vs redeemed
    • Redemption rates by denomination
    • Geographic distribution of redemptions
    • Peak redemption times
    • ROI analytics

💻 Technical Architecture

System Overview

┌─────────────────────────────────────────────────┐
│              Frontend Layer                     │
│                                                 │
│  ┌──────────────────┐  ┌──────────────────┐   │
│  │  Web Application │  │  Mobile App      │   │
│  │  (React)         │  │  (React Native)  │   │
│  └──────────────────┘  └──────────────────┘   │
└─────────────────────────────────────────────────┘
                      │
                      ▼
┌─────────────────────────────────────────────────┐
│         Load Balancer (Nginx/AWS ALB)           │
└─────────────────────────────────────────────────┘
                      │
                      ▼
┌─────────────────────────────────────────────────┐
│        Backend API Servers (Node.js × 4)        │
│                                                 │
│  • JWT Authentication                           │
│  • Order Processing                             │
│  • Card Generation & Validation                 │
│  • Redemption Logic                             │
│  • Fraud Detection Engine                       │
│  • Payment Gateway Integration                  │
└─────────────────────────────────────────────────┘
           │                           │
           ▼                           ▼
┌────────────────────┐      ┌────────────────────┐
│  PostgreSQL        │      │  Redis Cache       │
│  (Primary DB)      │      │                    │
│                    │      │  • Session data    │
│  • Users           │      │  • Card validation │
│  • Politicians     │      │  • Velocity checks │
│  • Orders          │      │  • Rate limiting   │
│  • Scratch Cards   │      └────────────────────┘
│  • Redemptions     │
│  • Fraud Logs      │
└────────────────────┘
           │
           ▼
┌─────────────────────────────────────────────────┐
│      Message Queue (RabbitMQ/AWS SQS)           │
│                                                 │
│  Handles background jobs:                       │
│  • Bank transfer processing                     │
│  • SMS notifications                            │
│  • Report generation                            │
└─────────────────────────────────────────────────┘
           │
           ▼
┌─────────────────────────────────────────────────┐
│       Payment Gateway Integration               │
│                                                 │
│  • Paystack (Primary)                           │
│  • Flutterwave (Backup)                         │
│  • Interswitch (High volume)                    │
│  • Direct Bank APIs                             │
└─────────────────────────────────────────────────┘

Technology Stack

Backend:

  • Language: Node.js (JavaScript)
  • Framework: Express.js
  • Database: PostgreSQL (relational data)
  • Cache: Redis (high-speed data)
  • Message Queue: RabbitMQ or AWS SQS
  • Authentication: JWT (JSON Web Tokens)

Frontend:

  • Web: React.js
  • Mobile: React Native (iOS + Android)
  • Styling: Tailwind CSS

Infrastructure:

  • Hosting: AWS (Amazon Web Services) or Azure
  • Load Balancer: AWS Elastic Load Balancer
  • CDN: CloudFront (fast content delivery)
  • Monitoring: Datadog or New Relic
  • SMS: Termii or Africa's Talking

Payment Integration:

  • Paystack API
  • Flutterwave API
  • Bank verification APIs (BVN/Account)

🔐 Security & Fraud Prevention

Card Code Security

Each scratch card code uses cryptographic checksum validation:

Format: PARTY-AMOUNT-BATCHID-UNIQUECODE-CHECKSUM

Example: APC-5K-B001-A3F7B9C2-X7

  • PARTY: Political party (APC, PDP, LP, etc.)
  • AMOUNT: Card value (2K, 5K, 1M, etc.)
  • BATCHID: Unique batch identifier
  • UNIQUECODE: 8-character random code (cryptographically secure)
  • CHECKSUM: 2-character HMAC-SHA256 hash (prevents fake cards)

Why This Works:

  • Impossible to guess valid codes (1 in 4.3 billion combinations)
  • Fake cards fail checksum validation instantly
  • Each code is used only once
  • All codes stored in database with status tracking

17-Layer Fraud Detection System

The fraud detection engine analyzes every redemption in real-time (2-3 seconds) across 17 different security checks:

Layer 1: Velocity Checks (Rate Limiting)

  1. BVN Daily Limit: Maximum 5 redemptions per BVN per day
  2. Device Limit: Maximum 3 redemptions per device per day
  3. IP Address Limit: Maximum 10 redemptions per IP per day
  4. Amount Limit: Maximum ₦500,000 per BVN per day

Layer 2: Pattern Analysis

  1. Account Consistency: Flag if BVN uses >3 different bank accounts
  2. Timing Patterns: Detect bot-like redemption patterns (multiple cards in seconds)
  3. Geographic Anomalies: Flag impossible location changes (Lagos → Abuja in 30 mins)

Layer 3: Identity Verification

  1. BVN-Account Matching: Verify account holder name matches BVN records
  2. Account Validation: Confirm bank account exists and is active
  3. KYC Compliance: Ensure all identity documents are valid

Layer 4: Behavioral Analysis

  1. Account Age: Flag newly created accounts (<24 hours old)
  2. Device History: Detect frequent device switching
  3. User Agent Analysis: Identify bots, scrapers, automated tools

Layer 5: Blacklist Checks

  1. BVN Blacklist: Block previously flagged BVNs
  2. Account Blacklist: Block accounts linked to fraud
  3. Device/IP Blacklist: Block known fraudulent devices/IPs

Layer 6: Card-Specific Checks

  1. Batch Analysis: Detect suspicious batch redemption patterns (all cards from same IP)

Risk Scoring System

Each redemption receives a risk score (0-100):

Risk Score Risk Level Action Response Time
0-30 LOW ✅ Approve automatically Instant
31-60 MEDIUM ⚠️ Require SMS verification 2 minutes
61-85 HIGH 🔍 Manual admin review 2-4 hours
86-100 CRITICAL ❌ Block redemption Instant

Real Fraud Scenarios Prevented

Scenario 1: Card Cloning Attack

  • Attack: Printing company employee copies 1,000 card codes
  • Detection: Device velocity (1,000 redemptions from one device)
  • Result: Blocked after 3 redemptions, ₦49.85M saved

Scenario 2: Account Harvesting

  • Attack: Person buys 50 stolen bank accounts, redeems to all accounts
  • Detection: Multiple accounts per BVN + BVN-name mismatch
  • Result: Flagged for review, fraud prevented

Scenario 3: Mass Rally Fraud

  • Attack: Syndicate collects 100 cards at rally, redeems all at once
  • Detection: IP velocity + timing pattern + BVN limit
  • Result: Blocked after 5 redemptions

Scenario 4: Geographic Impossibility

  • Attack: Hacker redeems from Lagos, then Abuja 30 minutes later
  • Detection: Geographic anomaly + device change
  • Result: Flagged, legitimate user alerted via SMS

Financial Impact

Without Fraud Detection:

  • Processing ₦10B annually
  • Industry fraud rate: 1-5%
  • Expected losses: ₦100M-₦500M per year

With Fraud Detection:

  • Same ₦10B processing
  • Our fraud rate: 0.05-0.2%
  • Expected losses: ₦5M-₦20M per year
  • NET SAVINGS: ₦80M-₦480M annually 💰

📡 Complete API Architecture

Base URL

https://api.scratchpolitics.ng/v1

Key Endpoints

Authentication

POST /auth/politician/register
POST /auth/politician/login
POST /auth/citizen/register
POST /auth/citizen/login

Politician Orders

POST   /politician/orders              # Create new card order
GET    /politician/orders/:orderId     # Get order status & analytics
POST   /politician/orders/:orderId/payment  # Confirm payment
GET    /politician/orders/:orderId/download # Download card codes (CSV/PDF)
GET    /politician/dashboard           # Real-time analytics

Citizen Redemption

POST   /citizen/cards/validate         # Check if card is valid (before redemption)
POST   /citizen/cards/redeem           # Redeem card and transfer money
GET    /citizen/redemptions/:id        # Check transfer status
GET    /citizen/redemptions            # Redemption history

Admin Panel

GET    /admin/stats                    # Platform-wide statistics
GET    /admin/fraud/flagged            # Redemptions flagged for review
POST   /admin/fraud/review/:id         # Approve/reject flagged redemption
GET    /admin/orders                   # All orders across platform
POST   /admin/blacklist                # Add to blacklist

Webhooks (Payment Notifications)

POST   /webhooks/paystack              # Paystack transfer notifications
POST   /webhooks/flutterwave           # Flutterwave notifications

Example API Request/Response

Redeem Card:

// REQUEST
POST /citizen/cards/redeem
Headers: {
  "Authorization": "Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9...",
  "Content-Type": "application/json"
}
Body: {
  "cardCode": "APC-5K-B001-A3F7B9C2-X7",
  "bankDetails": {
    "bankName": "GTBank",
    "accountNumber": "0123456789",
    "accountName": "CHIOMA OKAFOR"
  },
  "bvn": "11223344556"
}

// RESPONSE (Success - Low Risk)
{
  "success": true,
  "message": "Card redeemed successfully. Transfer is being processed.",
  "data": {
    "redemptionId": "red_9z8y7x6w5v4u3210",
    "amount": 5000,
    "transferStatus": "processing",
    "estimatedCompletionTime": "2027-02-15T15:45:00Z",
    "message": "You will receive SMS when money arrives."
  }
}

// RESPONSE (Blocked - High Risk)
{
  "success": false,
  "error": "FRAUD_DETECTED",
  "message": "Your redemption has been flagged for security review.",
  "data": {
    "riskScore": 85,
    "reviewId": "rev_123456",
    "estimatedReviewTime": "2-4 hours"
  }
}

📊 Database Schema

Core Tables

Politicians Table

CREATE TABLE politicians (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  full_name VARCHAR(255) NOT NULL,
  email VARCHAR(255) UNIQUE NOT NULL,
  phone VARCHAR(20) NOT NULL,
  party VARCHAR(50) NOT NULL,
  position VARCHAR(100),
  state VARCHAR(50),
  lga VARCHAR(50),
  bvn VARCHAR(11),
  nin VARCHAR(11),
  verified BOOLEAN DEFAULT false,
  created_at TIMESTAMP DEFAULT NOW(),
  updated_at TIMESTAMP DEFAULT NOW()
);

Orders Table

CREATE TABLE orders (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  politician_id UUID REFERENCES politicians(id),
  batch_id VARCHAR(50) UNIQUE NOT NULL,
  total_card_value DECIMAL(15, 2) NOT NULL,
  service_fee DECIMAL(15, 2) NOT NULL,
  printing_cost DECIMAL(15, 2),
  total_paid DECIMAL(15, 2) NOT NULL,
  payment_status VARCHAR(20) DEFAULT 'pending',
  payment_reference VARCHAR(100),
  status VARCHAR(20) DEFAULT 'pending',
  escrow_account VARCHAR(50),
  created_at TIMESTAMP DEFAULT NOW(),
  expires_at TIMESTAMP,
  delivered_at TIMESTAMP
);

Scratch Cards Table

CREATE TABLE scratch_cards (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  order_id UUID REFERENCES orders(id),
  full_code VARCHAR(100) UNIQUE NOT NULL,
  party VARCHAR(50) NOT NULL,
  amount_code VARCHAR(10) NOT NULL,
  amount_naira DECIMAL(15, 2) NOT NULL,
  batch_id VARCHAR(50) NOT NULL,
  unique_code VARCHAR(20) NOT NULL,
  checksum VARCHAR(10) NOT NULL,
  card_type VARCHAR(20) DEFAULT 'regular',
  status VARCHAR(20) DEFAULT 'active',
  created_at TIMESTAMP DEFAULT NOW(),
  expires_at TIMESTAMP,
  redeemed_at TIMESTAMP
);

CREATE INDEX idx_cards_code ON scratch_cards(full_code);
CREATE INDEX idx_cards_status ON scratch_cards(status);
CREATE INDEX idx_cards_batch ON scratch_cards(batch_id);

Users/Citizens Table

CREATE TABLE users (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  full_name VARCHAR(255) NOT NULL,
  phone VARCHAR(20) UNIQUE NOT NULL,
  email VARCHAR(255),
  bvn VARCHAR(11),
  password_hash VARCHAR(255) NOT NULL,
  kyc_status VARCHAR(20) DEFAULT 'pending',
  verified BOOLEAN DEFAULT false,
  created_at TIMESTAMP DEFAULT NOW()
);

Redemptions Table

CREATE TABLE redemptions (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  card_id UUID REFERENCES scratch_cards(id),
  user_id UUID REFERENCES users(id),
  user_name VARCHAR(255) NOT NULL,
  user_phone VARCHAR(20) NOT NULL,
  user_bvn VARCHAR(11),
  bank_name VARCHAR(100) NOT NULL,
  account_number VARCHAR(10) NOT NULL,
  account_name VARCHAR(255) NOT NULL,
  amount DECIMAL(15, 2) NOT NULL,
  transfer_status VARCHAR(20) DEFAULT 'pending',
  transfer_reference VARCHAR(100),
  fraud_score INTEGER,
  fraud_flags JSONB,
  ip_address VARCHAR(45),
  device_fingerprint TEXT,
  user_agent TEXT,
  redeemed_at TIMESTAMP DEFAULT NOW(),
  completed_at TIMESTAMP,
  failed_at TIMESTAMP,
  failure_reason TEXT
);

CREATE INDEX idx_redemptions_user_bvn ON redemptions(user_bvn);
CREATE INDEX idx_redemptions_status ON redemptions(transfer_status);
CREATE INDEX idx_redemptions_date ON redemptions(redeemed_at);

Fraud Checks Table

CREATE TABLE fraud_checks (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  redemption_id UUID REFERENCES redemptions(id),
  risk_score INTEGER NOT NULL,
  risk_level VARCHAR(20) NOT NULL,
  decision JSONB NOT NULL,
  flags JSONB,
  checks JSONB,
  created_at TIMESTAMP DEFAULT NOW()
);

Blacklist Table

CREATE TABLE blacklist (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  type VARCHAR(20) NOT NULL,
  value VARCHAR(255) NOT NULL,
  reason TEXT,
  added_by UUID,
  created_at TIMESTAMP DEFAULT NOW()
);

CREATE INDEX idx_blacklist_lookup ON blacklist(type, value);

💰 Financial Projections

Revenue Model

Per Order Revenue:

Politician orders ₦50M in cards
Service fee (10%): ₦5M
Printing cost markup: ₦2.13M
Total revenue per order: ₦7.13M

Year 1 Projections (2027 Election Year)

Conservative Scenario:

  • 50 politicians use platform
  • Average order: ₦30M
  • Total processed: ₦1.5B
  • Revenue: ₦214M
  • Operating costs: ₦80M
  • Net profit: ₦134M

Moderate Scenario:

  • 150 politicians use platform
  • Average order: ₦50M
  • Total processed: ₦7.5B
  • Revenue: ₦1.07B
  • Operating costs: ₦250M
  • Net profit: ₦820M

Aggressive Scenario:

  • 300 politicians use platform
  • Average order: ₦75M
  • Total processed: ₦22.5B
  • Revenue: ₦3.2B
  • Operating costs: ₦500M
  • Net profit: ₦2.7B

Cost Breakdown

Initial Development (Months 1-3):

  • Backend development: ₦15M
  • Frontend (web + mobile): ₦12M
  • Infrastructure setup: ₦5M
  • Security & fraud system: ₦8M
  • Total: ₦40M

Monthly Operating Costs:

  • Server/cloud hosting: ₦2M
  • Payment gateway fees (1.5% of transactions)
  • SMS notifications: ₦500K
  • Developer salaries (3 devs): ₦3M
  • Marketing: ₦2M
  • Support staff: ₦1.5M
  • Total: ₦9M/month

📈 Go-to-Market Strategy

Phase 1: Development (Months 1-3)

  • Build MVP (Minimum Viable Product)
  • Core features: Registration, orders, redemption, basic fraud detection
  • Test with 2-3 pilot politicians
  • Process ₦50M in test transactions

Phase 2: Soft Launch (Month 4)

  • Target 20 politicians in Lagos & Abuja
  • Offer 50% discount on first order
  • Focus on credible, established politicians
  • Build case studies and testimonials

Phase 3: Scale (Months 5-12)

  • National expansion across all 36 states
  • Target 200+ politicians
  • Launch aggressive marketing campaign
  • Partner with political consulting firms

Marketing Channels

  1. Direct Sales

    • Attend political rallies and events
    • Meet politicians and campaign managers
    • Demonstrate platform live

  2. Political Consulting Firms

    • Partner with firms that advise politicians
    • Offer revenue sharing (10% commission)

  3. Digital Marketing

    • LinkedIn ads targeting politicians
    • Facebook/Instagram political groups
    • Google Ads for political keywords

  4. PR & Media

    • Press releases in Nigerian newspapers
    • Interviews on political shows
    • Case studies of successful campaigns

Competitive Advantages

  1. First-Mover: No direct competitors in Nigeria
  2. Proven Model: Inspired by successful 2015 Buhari campaign
  3. Technology: Robust fraud prevention (competitors will struggle with this)
  4. Speed: Instant redemption vs manual cash distribution
  5. Data: Real-time analytics for politicians (valuable insights)
  6. Compliance: Built-in KYC and audit trails

⚖️ Legal & Compliance

Regulatory Considerations

  1. CBN (Central Bank of Nigeria)

    • Register as fintech or partner with licensed institution
    • Comply with AML (Anti-Money Laundering) regulations
    • Implement KYC (Know Your Customer) procedures

  2. INEC (Independent National Electoral Commission)

    • Ensure compliance with Electoral Act
    • Maintain transparency in campaign spending
    • Provide audit trails for all transactions

  3. Data Protection

    • Comply with Nigeria Data Protection Regulation (NDPR)
    • Secure storage of BVN and personal data
    • User consent for data collection

  4. Tax Compliance

    • Register company with CAC
    • File VAT returns
    • Withholding tax on transfers (if applicable)

Risk Mitigation

Legal Risks:

  • Have terms of service reviewed by legal counsel
  • Clear disclaimer: "Platform is neutral, not endorsing any candidate"
  • Age-gate: Only 18+ can redeem cards

Reputational Risks:

  • Work with politicians across all parties
  • Reject orders from candidates with criminal records
  • Transparency reports: Publish quarterly stats

Operational Risks:

  • Multiple payment gateway backups
  • Daily database backups
  • 99.9% uptime SLA

👥 Team Requirements

Core Team (Minimum)

Founder/CEO (You)

  • Business development
  • Politician relationships
  • Fundraising
  • Strategic vision

Technical Co-founder/CTO

  • Software architecture
  • Team management
  • Technical decisions
  • Security oversight

Backend Developer (2 people)

  • Node.js development
  • Database design
  • API development
  • Payment integration

Frontend Developer

  • React web app
  • React Native mobile app
  • UI/UX design

DevOps Engineer

  • Server management
  • Deployment automation
  • Monitoring & alerts
  • Security hardening

Customer Support (2 people)

  • Politician onboarding
  • User support (redemption issues)
  • Fraud review assistance

Total Team: 8 people

Optional (As You Scale)

  • Data Scientist (ML fraud detection)
  • Marketing Manager
  • Sales Team (5-10 people)
  • Compliance Officer

🚀 Development Timeline

Month 1: Foundation

  • Finalize requirements
  • Set up development environment
  • Design database schema
  • Build authentication system
  • Create basic UI mockups

Month 2: Core Features

  • Card generation system
  • Order management (politician side)
  • Redemption flow (citizen side)
  • Payment gateway integration (Paystack)
  • Basic fraud detection (5 checks)

Month 3: Polish & Test

  • Complete fraud detection (17 checks)
  • Admin dashboard
  • Real-time analytics
  • Security audit
  • Load testing (10,000 concurrent users)
  • Beta testing with 3 politicians

Month 4: Launch

  • Public launch
  • Onboard first 20 politicians
  • 24/7 monitoring
  • Customer support team active
  • Process first ₦500M

Months 5-12: Scale

  • Add ML-based fraud detection (Python)
  • Advanced analytics features
  • Mobile app improvements
  • Expand to all states
  • Target ₦10B processed

🎯 Success Metrics (KPIs)

Business Metrics

  • Number of registered politicians
  • Total order value processed
  • Revenue per month
  • Customer acquisition cost
  • Politician retention rate

Technical Metrics

  • System uptime: >99.9%
  • Average redemption time: <30 seconds
  • API response time: <200ms
  • Fraud detection accuracy: >95%
  • False positive rate: <1%

User Metrics

  • Successful redemption rate: >98%
  • User satisfaction score: >4.5/5
  • App store rating: >4.3/5
  • Support ticket resolution time: <2 hours

🔮 Future Roadmap (Year 2+)

Additional Features

  1. Corporate Gifting: Companies send scratch cards to employees
  2. Event Ticketing: Use scratch codes for event entry + refunds
  3. Loyalty Programs: Businesses reward customers with scratch cards
  4. International Expansion: Ghana, Kenya, South Africa

Advanced Technology

  1. Blockchain Integration: Transparent, immutable transaction records
  2. AI Fraud Detection: Machine learning models that adapt
  3. Biometric Verification: Facial recognition for high-value redemptions
  4. WhatsApp Integration: Redeem via WhatsApp chatbot

💡 Why This Will Succeed

1. Proven Demand

The 2015 Buhari campaign successfully used a similar model (recharge cards). This proves Nigerian voters respond positively to this fundraising method.

2. Perfect Timing

2027 elections are approaching. Politicians are actively planning campaigns. Early movers win in election tech.

3. Solves Real Problems

  • For Politicians: Trackable, efficient, modern way to engage voters
  • For Citizens: Safer than cash handouts, instant gratification
  • For Platform: Recurring revenue every election cycle (4 years)

4. Defensible Technology

Fraud prevention is HARD. Competitors will struggle to replicate our 17-layer system. By the time they catch up, we'll have:

  • Brand recognition
  • Politicians locked in
  • Historical fraud data (makes our ML better)
  • Network effects

5. Massive Market

  • 36 states × ~10 major elections per state = 360+ potential customers
  • Presidential, Gubernatorial, Senate, House of Reps, Local Government
  • Every 4 years, the cycle repeats

📞 Next Steps

Immediate Actions (Week 1)

  1. ✅ Secure funding commitment
  2. ✅ Register company (CAC)
  3. ✅ Hire Technical Co-founder/CTO
  4. ✅ Set up development infrastructure

Short-term (Month 1)

  1. ✅ Hire development team
  2. ✅ Begin MVP development
  3. ✅ Apply for CBN fintech license (or partner)
  4. ✅ Open corporate bank accounts
  5. ✅ Set up Paystack/Flutterwave accounts

Medium-term (Months 2-3)

  1. ✅ Complete MVP
  2. ✅ Security audit by third party
  3. ✅ Pilot with 3 test politicians
  4. ✅ Refine based on feedback

Long-term (Month 4+)

  1. ✅ Public launch
  2. ✅ Aggressive sales & marketing
  3. ✅ Scale infrastructure
  4. ✅ Dominate market before 2027 elections

💼 Investment Ask

Funding Required

₦60M Seed Funding

Use of Funds:

  • Development (40%): ₦24M
  • Operations (6 months): ₦18M
  • Marketing: ₦10M
  • Legal & Compliance: ₦5M
  • Contingency: ₦3M

Return on Investment

Conservative Scenario (Year 1):

  • Revenue: ₦214M
  • Investment: ₦60M
  • ROI: 257% in 12 months

Moderate Scenario (Year 1):

  • Revenue: ₦1.07B
  • Investment: ₦60M
  • ROI: 1,683% in 12 months

Path to Exit:

  • Year 3: Acquisition by Paystack, Flutterwave, or Interswitch
  • Estimated valuation: ₦5-10B
  • 10-20x return for early investors

📄 Conclusion

This platform represents a unique opportunity to revolutionize political engagement in Nigeria while building a highly profitable, scalable business. With proven demand, perfect timing (2027 elections), and defensible technology (fraud prevention), we are positioned to capture significant market share and deliver exceptional returns.

The combination of physical scratch cards with digital redemption bridges the gap between traditional campaigning and modern fintech, creating a solution that resonates with both politicians and citizens.

We are building the future of political fundraising in Africa.

📚 Appendices

Appendix A: Technical Documentation

  • Complete API specification (50+ endpoints)
  • Database schema (15 tables)
  • Fraud detection algorithm (17 layers)
  • Security architecture
  • Load testing results

Appendix B: Market Research

  • 2015 Buhari campaign case study
  • Competitor analysis
  • Politician interviews (5 respondents)
  • Citizen survey results (200 respondents)

Appendix C: Financial Models

  • 5-year revenue projections
  • Break-even analysis
  • Cash flow statements
  • Sensitivity analysis

Appendix D: Legal Documents

  • Terms of Service (draft)
  • Privacy Policy (draft)
  • Politician Agreement (template)
  • User Agreement (template)

Document Version: 1.0
Date: October 10, 2025
Prepared by: Founder & Technical Team
Status: Confidential - For Sponsor Review Only

For questions or additional information, please contact:
Email: Kabriacid01@gmail.com

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A Secure Scratch-Card Based Digital Support System for Campaign Engagement

scryn.vercel.app

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