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spec/sepc/007_eMoney_integration.md

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+## Incoming Sarafu ##
+When chama (group accounts) exchange Sarafu each month for National Currency we have to manually send them Mpesa.
+We would like to automate this.
+
+## Outgoing Sarafu ##
+When anyone sends us Mpesa on our paybill we have to manuall send them Sarafu
+
+## Solution ##
+Configure - using our own system AfricasTalking API to automatically send Sarafu / Mpesa based on rules:
+ 
+### Incoming Sarafu Rules ###
+ - *white list* The chama (group accounts only) must only be able to cash out - using the exchange option to an Agent account
+ - *amount* The max cash out is the minimum of (30,000 Sarafu, half their balance, their total amount of outward trade volume to other users (standard transactions)
+ - *time* They can only cash out once per month
+ - *rate* The Sarafu to Mpesa rate should be a config variable set to 1.0 -> a 0% cash out fee. i.e. For 100 Sarafu you get 100 Mpesa. This rate will vary manual based on promotion periods and available Mpesa
+
+
+### Outgoing Sarafu Rules ###
+ - *white list* Only users sending via paybill receive Sarafu. Non users receive a invitation to join Sarafu sms
+ - *amount* The max sarafu out is 20,000 Sarafu per user
+ - *time* No limit
+ - *rate* The Mpesa to Sarafu rate should be a config variable set to 1.2 -> a 20% cash in bonus. i.e. For 100 Mpesa you get 120 Sarafu. This rate will vary manual based on promotion periods and available Sarafu
+
+
+### Security ###
+ - Balance alerts: The paybill from which Sarafu is sent needs to send a sms and email alert when low 
+ - Failure alerts: If the API session fails an sms and email alert should be sent
+ - Reject on not enough Mpesa balance: If there is not enough Mpesa (on incoming Sarafu) the transaction should be rejected and an email sent to admin along with a SMS to admin and user (Sarafu should not be taken from user). (message should be visible also on mgmt platform txn view and user view and admin view).
+ - Reject on not enough Sarafu balance: If there is not enough Sarafu (on incoming Mpesa) the transaction should be rejected and an email sent to admin along with a SMS to admin and user (Mpesa should not be taken from user). (message should be visible also on mgmt platform txn view and user view and admin view).
+
+### Variables ###
+ - The account from which Sarafu is sent should be a Agent account
+ - The cash-out rules for a chama (minimum and time limit)
+ - Alert balance levels
+ - Rate: Mpesa to Sarafu 
+ - Rate: Sarafu to Mpesa