🚀 US Loan H5 Application

Complete production-ready US market compliant loan application built with React 18 + Node.js + TypeScript.

🏗️ Tech Stack

Frontend (H5 Single-Page Application)

• React 18 + TypeScript + Vite
• React Router v6.4+ (file-based routing + code splitting)
• Zustand + persist (lightweight state, i18n-ready)
• Ant Design Mobile 5 (user side) + Ant Design 5 (admin side)
• React Hook Form + Zod (US SSN, address, phone validation)
• Socket.io v4 (real-time sync)
• react-i18next (en-US default, zh-CN, es-US support)

Backend (Financial-Grade Security)

• Node.js 20 + Express + TypeScript
• MongoDB (Mongoose) + Redis (cache, sessions, rate limiting)
• JWT + refresh token + httpOnly cookies
• Socket.io v4 (WebSocket + polling fallback)
• US compliance middleware (FCRA, TCPA, APR display)

Deployment

• Docker + Docker Compose (one-click local start)
• Production-ready with environment variables

🚀 Quick Start (One-Click)

Method 1: Docker Compose (Recommended)

# Clone and start everything
git clone <repo-url>
cd us-loan-app
docker-compose up -d

# Access the app
# Frontend: http://localhost:5173
# Backend API: http://localhost:4000
# MongoDB: localhost:27017
# Redis: localhost:6379

Method 2: Manual Development Setup

# 1. Backend
cd backend
npm install
cp .env.example .env  # Configure your environment
npm run dev           # Starts on port 4000

# 2. Frontend (new terminal)
cd ../frontend
npm install
npm run dev           # Starts on port 5173

📱 Features

User Side (Mobile-First H5)

• Authentication: Register, Login, JWT + refresh tokens
• Multi-step Loan Application: US SSN, address, bank routing validation
• Dashboard: Real-time loan status, notifications
• My Loans: View all loans, repayment history
• Repayment: Online payment integration
• Profile: KYC, document upload, FCRA compliance

Admin Portal

• Full CRUD: Users, Loans, Interest Rates, Reports
• Real-time Approval: Instant push to users via Socket.io
• Export Features: CSV/Excel loan reports
• Compliance Tools: FCRA disclosure, TCPA consent tracking
• Rate Management: APR calculator, regulatory display

Real-time Sync

• Loan status changes (admin → user instantly)
• New application notifications (user → admin)
• Payment confirmations
• System alerts

🛡️ US Market Compliance

• FCRA Compliance: Credit check disclosures, adverse action notices
• TCPA Consent: SMS/call consent tracking
• APR Display: Truth in Lending Act compliance
• Data Security: Encrypted SSN storage, PCI-ready payment handling
• Address Validation: USPS-compatible formatting
• Bank Routing: ABA routing number validation

🌐 Internationalization

Default: English (en-US) Ready: Chinese (zh-CN), Spanish (es-US)

import { useTranslation } from 'react-i18next';

const { t, i18n } = useTranslation();
i18n.changeLanguage('zh-CN'); // Switch language

📁 Project Structure

us-loan-app/
├── frontend/                  # React 18 H5 SPA
│   ├── src/
│   │   ├── pages/
│   │   │   ├── user/          # All user pages
│   │   │   └── admin/         # Admin portal
│   │   ├── components/        # Reusable components
│   │   ├── store/             # Zustand + Socket.io
│   │   ├── utils/             # Zod schemas, API client
│   │   └── i18n/              # Translations
│   └── package.json
├── backend/
│   ├── src/
│   │   ├── models/            # Mongoose schemas
│   │   ├── routes/            # Express routes
│   │   ├── controllers/       # Business logic
│   │   ├── middleware/        # Auth, rate limiting
│   │   └── sockets/           # Real-time events
│   └── package.json
├── docker-compose.yml
└── README.md

🔧 Environment Variables

# Backend (.env)
NODE_ENV=development
PORT=4000
MONGODB_URI=mongodb://localhost:27017/us_loan_db
REDIS_URL=redis://localhost:6379
JWT_SECRET=your-jwt-secret
JWT_REFRESH_SECRET=your-refresh-secret
STRIPE_SECRET_KEY=sk_test_...
PLAID_CLIENT_ID=your-plaid-id
PLAID_SECRET=your-plaid-secret

📊 API Examples

# User Authentication
POST /api/auth/register
POST /api/auth/login
POST /api/auth/refresh

# Loan Application
POST /api/loans/apply
GET  /api/loans/my-loans
PUT  /api/loans/:id/repay

# Admin Operations
GET    /api/admin/loans
PATCH  /api/admin/loans/:id/approve
DELETE /api/admin/users/:id

🔥 Ready to Run!

The application is production-ready with:

• ✅ US regulatory compliance built-in
• ✅ Real-time sync between user & admin
• ✅ Mobile-first responsive design
• ✅ Financial-grade security (JWT, encryption)
• ✅ One-click Docker deployment
• ✅ Multi-language support (i18n)
• ✅ Complete CRUD operations
• ✅ Payment integration ready

Start developing immediately - all core functionality is implemented and ready for customization!