Nuvest — AI Portfolio Manager & Invoice Financing Marketplace

"Ravi kept his business running. The investor made 8.7% in 60 days. We made a fee. Nobody needed a bank."

Nuvest is two products on one platform:

An AI-powered portfolio manager for Indian retail investors — tax-aware, Zerodha-connected, and powered by a natural language copilot that actually understands Indian tax law.
A blockchain-based invoice financing marketplace for SMEs — turning unpaid invoices into instant working capital, settled on-chain without a bank in the loop.

What It Does

Module 1 — AI Portfolio Manager

Indian retail investors connect their Zerodha demat account via Kite Connect and get:

Live holdings across NSE/BSE with real-time price updates
LTCG/STCG tax breakdown for the current financial year
80C optimisation alerts — ELSS, PPF, and NPS gaps flagged before March 31
An AI copilot (Groq llama3-70b) that answers natural language queries with full Indian tax context
FY-end rebalancing alerts when equity is overweight or 80C is underfilled

Module 2 — Invoice Financing Marketplace

SMEs unlock working capital from unpaid invoices without waiting 30–90 days for buyers to pay:

SME uploads invoice → AI scores it (XGBoost + SHAP explanation)
An ERC-721 token is minted on-chain representing the invoice
An investor funds the advance directly via smart contract — SME gets cash instantly
Buyer pays at the due date → escrow automatically releases the payout to the investor
Platform earns a 1% fee per invoice; neither side needs a bank

Architecture

┌──────────────────────────────────────────────────────────────────┐
│  Frontend  (React + Vite)                                        │
│  ┌──────────────────┐  ┌──────────────────┐  ┌───────────────┐  │
│  │PortfolioDashboard│  │  SMEDashboard    │  │  Investor     │  │
│  │Live holdings     │  │  Upload invoice  │  │  Marketplace  │  │
│  │AI copilot chat   │  │  Score + mint    │  │  Fund + settle│  │
│  └────────┬─────────┘  └────────┬─────────┘  └──────┬────────┘  │
└───────────┼─────────────────────┼───────────────────┼───────────┘
            │ REST                │ REST               │ ethers.js
            ▼                     ▼                    ▼
┌──────────────────────┐    ┌───────────────────────────────────┐
│  FastAPI Backend     │    │  Smart Contracts (Solidity 0.8)   │
│  /portfolio/summary  │    │  InvoiceToken.sol  (ERC-721)      │
│  /portfolio/chat     │    │  InvoiceEscrow.sol (escrow logic) │
│  /invoice/score      │    │  Hardhat local / Polygon Amoy     │
│  /kite/*             │    └───────────────────────────────────┘
└──────────────────────┘
        │              │
        ▼              ▼
  Kite Connect    Groq API
  (live holdings) (llama3-70b)

Tech Stack

Layer	Technology
Smart contracts	Solidity 0.8.24, Hardhat, ethers.js v6
Chain	Hardhat local (dev) / Polygon Amoy testnet
AI scoring	Python, XGBoost, SHAP, FastAPI
AI chat	Groq API — `llama3-70b-8192`, India tax system prompt
Portfolio data	Zerodha Kite Connect (live) with 60s TTL cache + mock fallback
Frontend	React 18, Vite, Recharts
Wallet	MetaMask, ethers.js BrowserProvider

Repo Structure

nuvest/
├── contracts/
│   ├── InvoiceToken.sol        # ERC-721: one token per invoice
│   └── InvoiceEscrow.sol       # Escrow + settlement + 1% fee
├── scripts/
│   └── deploy.js               # Hardhat deploy → writes ABIs to frontend
├── backend/
│   ├── app.py                  # FastAPI routes
│   ├── model.py                # XGBoost scoring model
│   ├── scorer.py               # Feature engineering
│   ├── portfolio.py            # Kite Connect wrapper + caching
│   ├── ai_chat.py              # Groq chat handler
│   └── requirements.txt
├── frontend/
│   └── src/
│       ├── pages/
│       │   ├── PortfolioDashboard.jsx
│       │   ├── SMEDashboard.jsx
│       │   └── InvestorMarketplace.jsx
│       └── utils/
│           ├── contract.js     # ethers.js contract calls
│           ├── api.js          # Backend API calls
│           └── abis/           # Auto-generated by deploy.js
├── deployments/
│   └── localhost.json
└── hardhat.config.js

Local Setup

Prerequisites

Node.js ≥ 18
Python ≥ 3.10
MetaMask browser extension

1. Clone and install

git clone https://github.com/vig-05/Tokenized-Invoice-Financing-Platform
cd Tokenized-Invoice-Financing-Platform

# Hardhat + contract tooling
npm install

# Backend
cd backend && pip install -r requirements.txt && cd ..

# Frontend
cd frontend && npm install && cd ..

2. Configure environment

Create a .env file in the project root:

# Groq — free tier at console.groq.com
GROQ_API_KEY=your_groq_key

# Zerodha Kite Connect (optional — mock data works without it)
KITE_API_KEY=
KITE_API_SECRET=
KITE_ACCESS_TOKEN=

# Filled automatically by deploy.js
VITE_TOKEN_CONTRACT_ADDRESS=
VITE_ESCROW_CONTRACT_ADDRESS=

# Backend
VITE_API_BASE=http://localhost:8000

3. Start the Hardhat local node

# Terminal 1
npx hardhat node

Starts a JSON-RPC server at http://127.0.0.1:8545 with 20 accounts pre-funded with 10,000 ETH each.

4. Deploy contracts

# Terminal 2
npx hardhat run scripts/deploy.js --network localhost

Compiles, deploys to localhost, and writes ABIs into frontend/src/utils/abis/ automatically.

5. Start the backend

cd backend
python -m uvicorn app:app --reload --port 8000

6. Start the frontend

cd frontend
npm run dev

Open http://localhost:5173.

MetaMask Configuration

Add the local network (the app will prompt you automatically on first connect, or add it manually):

Field	Value
Network Name	`Hardhat Local`
RPC URL	`http://127.0.0.1:8545`
Chain ID	`31337`
Currency Symbol	`ETH`

Import test accounts — these are Hardhat's deterministic keys. Never use them on mainnet.

Role	Address	Private Key
Deployer / SME	`0xf39Fd6e51aad88F6F4ce6aB8827279cffFb92266`	`0xac0974bec39a17e36ba4a6b4d238ff944bacb478cbed5efcae784d7bf4f2ff80`
Investor	`0x70997970C51812dc3A010C7d01b50e0d17dc79C8`	`0x59c6995e998f97a5a0044966f0945389dc9e86dae88c7a8412f4603b6b78690d`
Buyer (optional)	`0x3C44CdDdB6a900fa2b585dd299e03d12FA4293BC`	`0x5de4111afa1a4b94908f83103eb1f1706367c2e68ca870fc3fb9a804cdab365a`

Demo Walkthrough

0:00 – 0:30 — Portfolio

Open /portfolio → holdings load from mock data (or live via Kite Connect)
Ask the copilot: "How much ELSS can I still add for 80C?"
AI responds with an India-specific tax answer
FY-end rebalancing alert is shown

0:30 – 1:30 — SME side (Ravi's wallet — Account #0)

Open /sme → connect MetaMask (auto-switches to Hardhat Local)
Enter: Buyer = "Reliance Retail", Amount = ₹10,00,000, Due = 60 days
Click Score Invoice → score: 91/100, SHAP: "Reliance tier-3 buyer (+45 pts)"
Click List Invoice → MetaMask signs → token minted on-chain

1:30 – 2:30 — Investor funds (switch to Account #1)

Open /invest → invoice appears in the marketplace
Click Fund Invoice → MetaMask confirms
SME wallet receives ₹9,20,000 advance instantly

2:30 – 3:00 — Settlement

Click Simulate Buyer Payment
Smart contract releases ₹9,90,000 to the investor (face value minus 1% fee)

3:00 – 3:30 — Close

"Ravi kept his business running. The investor made 8.7% in 60 days. We made a fee. Nobody needed a bank."

API Reference

Method	Route	Description
`GET`	`/health`	Liveness check
`POST`	`/invoice/score`	Score invoice — XGBoost + SHAP
`GET`	`/portfolio/summary`	Holdings summary, allocation, tax figures
`GET`	`/portfolio/holdings`	Raw enriched holdings list
`POST`	`/portfolio/chat`	AI copilot (Groq llama3-70b)
`POST`	`/invoice/settlement`	Post-settlement AI redeployment advice
`GET`	`/kite/login-url`	Zerodha Kite OAuth redirect URL
`GET`	`/kite/callback`	Exchange `request_token` for `access_token`

Score invoice — request

{
  "buyer": "Reliance Retail Ltd",
  "sme_name": "Sri Lakshmi Textiles",
  "invoice_amount": 1000000,
  "due_days": 60,
  "sme_history_count": 6,
  "sme_default_rate": 0.0
}

Score invoice — response

{
  "score": 91,
  "verdict": "LOW_RISK",
  "advance_rate": 0.92,
  "advance_amount": 920000,
  "shap_values": {
    "buyer_tier": 25,
    "sme_history": 18,
    "due_days": -8,
    "amount_ratio": -4
  }
}

Smart Contract Notes

InvoiceToken (ERC-721) stores invoice metadata on-chain:

struct Invoice {
    uint256 invoiceAmount;
    uint256 advanceAmount;
    uint256 dueDate;
    address smeWallet;
    address investorWallet;
    bytes32 invoiceHash;
    uint8   riskScore;
    InvoiceStatus status;  // LISTED → FUNDED → SETTLED | DEFAULTED
}

InvoiceEscrow key functions:

Function	Caller	Description
`listInvoice(...)`	SME	Mints token; rejects if `paymentDest != address(this)`
`fundInvoice(id)`	Investor	Sends advance to SME instantly
`simulateBuyerPayment(id)`	Anyone post-due	Settles invoice; pays investor minus 1% fee
`markDefault(id)`	Owner	Marks an overdue invoice as defaulted
`withdrawFee()`	Owner	Collects accumulated platform fees

Production path for simulateBuyerPayment: Replace with a Chainlink Automation job that monitors an off-chain payment webhook and co-signs on-chain settlement after bank transfer confirmation.

Yield Numbers

Metric	Value
Sample invoice return	8.7% over 60 days
Annualised platform range	12–18% (blended across 30–90 day tenors)

The 12–18% is a blended annualised yield across all invoices over a year. A single invoice returns more when annualised, but capital isn't deployed every day.

One-Line Pitch

Nuvest gives India's 80 million retail investors an AI copilot that actually understands Indian taxes — and turns 63 million SMEs' unpaid invoices into a new yield asset class, settled on-chain without banks.

Name		Name	Last commit message	Last commit date
Latest commit History 23 Commits
.claude		.claude
artifacts		artifacts
backend		backend
cache		cache
contracts		contracts
deployments		deployments
design		design
frontend		frontend
scripts		scripts
.gitignore		.gitignore
README.md		README.md
claude.md		claude.md
hardhat.config.js		hardhat.config.js
package-lock.json		package-lock.json
package.json		package.json

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Nuvest — AI Portfolio Manager & Invoice Financing Marketplace

Table of Contents

What It Does

Module 1 — AI Portfolio Manager

Module 2 — Invoice Financing Marketplace

Architecture

Tech Stack

Repo Structure

Local Setup

Prerequisites

1. Clone and install

2. Configure environment

3. Start the Hardhat local node

4. Deploy contracts

5. Start the backend

6. Start the frontend

MetaMask Configuration

Demo Walkthrough

API Reference

Smart Contract Notes

Yield Numbers

One-Line Pitch

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Repository files navigation

Nuvest — AI Portfolio Manager & Invoice Financing Marketplace

Table of Contents

What It Does

Module 1 — AI Portfolio Manager

Module 2 — Invoice Financing Marketplace

Architecture

Tech Stack

Repo Structure

Local Setup

Prerequisites

1. Clone and install

2. Configure environment

3. Start the Hardhat local node

4. Deploy contracts

5. Start the backend

6. Start the frontend

MetaMask Configuration

Demo Walkthrough

API Reference

Smart Contract Notes

Yield Numbers

One-Line Pitch

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