commit aafa9992e325659bd5ab7ec75cdb7e3301c7a717
Author: VivianDee <115420678+VivianDee@users.noreply.github.com>
Date:   Thu Mar 20 17:46:34 2025 +0100

    bluprints, schemas,helpers and routes

diff --git a/app/__init__.py b/app/__init__.py
new file mode 100644
index 0000000..f98c555
--- /dev/null
+++ b/app/__init__.py
@@ -0,0 +1,29 @@
+from flask import Flask
+# from flask_sqlalchemy import SQLAlchemy
+from flask_marshmallow import Marshmallow
+from flask_cors import CORS
+from app.config import Config
+from app.routes import api
+
+# Initialize extensions
+# db = SQLAlchemy()
+ma = Marshmallow()
+
+def create_app():
+    """ Factory function to create a Flask app instance """
+    app = Flask(__name__)
+
+    # Load configuration
+    app.config.from_object(Config)
+
+    # Initialize extensions
+    # db.init_app(app)
+    ma.init_app(app)
+
+
+    CORS(app) 
+
+    # Register blueprints
+    app.register_blueprint(api, url_prefix="/api")
+
+    return app
diff --git a/app/blueprints/__init__.py b/app/blueprints/__init__.py
new file mode 100644
index 0000000..fcdb467
--- /dev/null
+++ b/app/blueprints/__init__.py
@@ -0,0 +1,18 @@
+from app.blueprints.eligibility_check import EligibilityCheckService
+from app.blueprints.select_offer import SelectOfferService
+from app.blueprints.provide_loan import ProvideLoanService
+from app.blueprints.loan_information import LoanInformationService
+from app.blueprints.repayment import RepaymentService
+from app.blueprints.customer_consent import CustomerConsentService
+from app.blueprints.notification_callback import NotificationCallbackService
+from app.blueprints.rac_check import RACCheckService
+from app.blueprints.disbursement import DisbursementService
+from app.blueprints.collect_loan import CollectLoanService
+from app.blueprints.transaction_verify import TransactionVerifyService
+from app.blueprints.penal_charge import PenalChargeService
+from app.blueprints.revoke_enable_consent import RevokeEnableConsentService
+from app.blueprints.token_validation import TokenValidationService
+from app.blueprints.lien_check import LienCheckService
+from app.blueprints.new_transaction_check import NewTransactionCheckService
+from app.blueprints.sms import SMSService
+from app.blueprints.bulk_sms import BulkSMSService
diff --git a/app/blueprints/bulk_sms.py b/app/blueprints/bulk_sms.py
new file mode 100644
index 0000000..b06063b
--- /dev/null
+++ b/app/blueprints/bulk_sms.py
@@ -0,0 +1,55 @@
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.bulk_sms import BulkSMSSchema 
+
+class BulkSMSService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Bulk SMS request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing BulkSMS request")
+
+            # Validate input data using BulkSMSSchema
+            schema = BulkSMSSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated Bulk SMS sending logic
+            response_data = {
+                "data": "",
+                "statusCode": 200,
+                "isSuccessful": True,
+                "errorMessage": None
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Bulk SMS sent successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/collect_loan.py b/app/blueprints/collect_loan.py
new file mode 100644
index 0000000..3912d57
--- /dev/null
+++ b/app/blueprints/collect_loan.py
@@ -0,0 +1,63 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.collect_loan import CollectLoanSchema   
+
+class CollectLoanService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the CollectLoan request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing CollectLoan request")
+
+            # Validate input data using CollectLoanSchema
+            schema = CollectLoanSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated processing logic
+            response_data = {
+                "transactionId": "T002",
+                "debtId": "273194670",
+                "customerId": "CN621868",
+                "accountId": "2017821799",
+                "productId": "101",
+                "collectAmount": 60000.00,
+                "penalCharge": 0,
+                "lienAmount": 20000,
+                "countryId": "01",
+                "comment": "Testing CollectionLoanRequest",
+                "resultCode": "00",
+                "resultDescription": "Loan Collection Successful"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Loan collection completed successfully"
+            # )
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/customer_consent.py b/app/blueprints/customer_consent.py
new file mode 100644
index 0000000..6f33f47
--- /dev/null
+++ b/app/blueprints/customer_consent.py
@@ -0,0 +1,55 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.customer_consent import CustomerConsentSchema   
+
+
+class CustomerConsentService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the CustomerConsent request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing CustomerConsent request")
+
+            # Validate input data using the CustomerConsent schema
+            schema = CustomerConsentSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated processing logic
+            response_data = {
+                "resultCode": "00",
+                "resultDescription": "Request is received"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Customer consent processed successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/disbursement.py b/app/blueprints/disbursement.py
new file mode 100644
index 0000000..70eb3a0
--- /dev/null
+++ b/app/blueprints/disbursement.py
@@ -0,0 +1,55 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.disbursement import DisbursementSchema   
+
+class DisbursementService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Disbursement request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing Disbursement request")
+
+            # Validate input data using DisbursementSchema
+            schema = DisbursementSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated processing logic
+            response_data = {
+                "disbursement_id": validated_data.get("disbursement_id", "11223"),
+                "status": "Completed",
+                "amount": validated_data.get("amount"),
+                "recipient_account": validated_data.get("recipient_account"),
+            }
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Disbursement completed successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/eligibility_check.py b/app/blueprints/eligibility_check.py
new file mode 100644
index 0000000..3b78d74
--- /dev/null
+++ b/app/blueprints/eligibility_check.py
@@ -0,0 +1,77 @@
+from flask import session
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.eligibility_check import EligibilityCheckSchema
+from marshmallow import ValidationError
+
+class EligibilityCheckService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the EligibilityCheck request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing EligibilityCheck request")
+
+            # Validate input data using Schema
+            schema = EligibilityCheckSchema()
+            validated_data = schema.load(data) # Raises an error if invalid
+
+            # Example: Validate data, perform calculations, etc.
+            if not data:
+                return ResponseHelper.error("Invalid input data", status_code=400)
+
+            # Simulate processing
+            response_data = {
+                "customerId": "CN621868",
+                "transactionId": "Tr201712RK9232P115",
+                "msisdn": "3451342",
+                "eligibleOffers": [
+                    {
+                    "minamount": 5000,
+                    "maxamount": 20000,
+                    "productId": 101,
+                    "offerid": 101,
+                    "Tenor": 30
+                    },
+                    {
+                    "minamount": 20000,
+                    "maxamount": 50000,
+                    "productId": 102,
+                    "offerid": 102,
+                    "Tenor": 60
+                    }
+                ],
+                "resultCode": "00",
+                "resultDescription": "Successful"
+            }
+
+
+            # Return a success response
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Eligibility check completed successfully"
+            # )
+
+            return response_data
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred during EligibilityCheck processing: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
\ No newline at end of file
diff --git a/app/blueprints/lien_check.py b/app/blueprints/lien_check.py
new file mode 100644
index 0000000..b3f2b3e
--- /dev/null
+++ b/app/blueprints/lien_check.py
@@ -0,0 +1,54 @@
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.lien_check import LienCheckSchema 
+
+class LienCheckService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the LienCheck request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing LienCheck request")
+
+            # Validate input data using LienCheckSchema
+            schema = LienCheckSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated lien check logic
+            response_data = {
+                "lienAmount": 20000.0,
+                "resultCode": "00",
+                "resultDescription": "Successful"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Lien check completed successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/loan_information.py b/app/blueprints/loan_information.py
new file mode 100644
index 0000000..d9197f9
--- /dev/null
+++ b/app/blueprints/loan_information.py
@@ -0,0 +1,67 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.loan_information import LoanInformationSchema   
+
+class LoanInformationService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Loan Information request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing LoanInformation request")
+
+            # Validate input data using the imported schema
+            schema = LoanInformationSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated processing logic
+            response_data = {
+                "customerId": "CN621868",
+                "loans": [
+                    {
+                    "debtId": "123456789",
+                    "loanDate": "2019-10-18 14:26:21.063",
+                    "dueDate": "2019-11-20 14:26:21.063",
+                    "currentLoanAmount": 8500.0,
+                    "initialLoanAmount": 10000.0,
+                    "defaultFee": 0.0,
+                    "continuousFee": 0.0,
+                    "productId": "101"
+                    }
+                ],
+                "resultCode": "00",
+                "resultDescription": "Successful"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Loan information retrieved successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/new_transaction_check.py b/app/blueprints/new_transaction_check.py
new file mode 100644
index 0000000..60461f9
--- /dev/null
+++ b/app/blueprints/new_transaction_check.py
@@ -0,0 +1,61 @@
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.new_transaction_check import NewTransactionCheckSchema   
+
+class NewTransactionCheckService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the NewTransactionCheck request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing NewTransactionCheck request")
+
+            # Validate input data using NewTransactionCheckSchema
+            schema = NewTransactionCheckSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated transaction check logic
+            response_data = {
+                "transactionId": "24110114545374721",
+                "data": {
+                    "transactionId": "241101",
+                    "providedAmount": 1000.00,
+                    "collectedAmount": 0.00,
+                    "resultCode": "00",
+                    "resultDescription": "Loan Provision is successful"
+                },
+                "resultCode": "00",
+                "resultDescription": "SUCCESS"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="New transaction check completed successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/notification_callback.py b/app/blueprints/notification_callback.py
new file mode 100644
index 0000000..72522fa
--- /dev/null
+++ b/app/blueprints/notification_callback.py
@@ -0,0 +1,54 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.notification_callback import NotificationCallbackSchema   
+
+class NotificationCallbackService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the NotificationCallback request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing NotificationCallback request")
+
+            # Validate input data using the NotificationCallback schema
+            schema = NotificationCallbackSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated processing logic
+            response_data = {
+                "resultCode": "00",
+                "resultDescription": "Successful"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Notification callback processed successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/penal_charge.py b/app/blueprints/penal_charge.py
new file mode 100644
index 0000000..5cc9df4
--- /dev/null
+++ b/app/blueprints/penal_charge.py
@@ -0,0 +1,55 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.penal_charge import PenalChargeSchema   
+
+
+class PenalChargeService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the PenalCharge request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing PenalCharge request")
+
+            # Validate input data using PenalChargeSchema
+            schema = PenalChargeSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated processing logic
+            response_data = {
+                "resultCode": "00",
+                "resultDescription": "Penal charge debited successfully"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Penal charge applied successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/provide_loan.py b/app/blueprints/provide_loan.py
new file mode 100644
index 0000000..3c84d45
--- /dev/null
+++ b/app/blueprints/provide_loan.py
@@ -0,0 +1,59 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.provide_loan import ProvideLoanSchema   
+
+class ProvideLoanService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the ProvideLoan request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing ProvideLoan request")
+
+            # Validate input data using the imported schema
+            schema = ProvideLoanSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Business logic - providing a loan
+            response_data ={
+                "requestId": "202111170001371256908",
+                "transactionId": "Tr201712RK9232P115",
+                "customerId": "CN621868",
+                "accountId": "ACN8263457",
+                "msisdn": "3451342",
+                "resultCode": "00",
+                "resultDescription": "Successful"
+                }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Loan successfully provided"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/rac_check.py b/app/blueprints/rac_check.py
new file mode 100644
index 0000000..7a1397e
--- /dev/null
+++ b/app/blueprints/rac_check.py
@@ -0,0 +1,67 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.rac_check import RACCheckSchema   
+
+class RACCheckService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the RACCheck request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing RACCheck request")
+
+            # Validate input data using RACCheckSchema
+            schema = RACCheckSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated processing logic
+            response_data = {
+                "resultCode": "00",
+                "RACResponse": {
+                    "SalaryAccount": "1",
+                    "BVN": "1",
+                    "BVNAttachedToAccount": "1",
+                    "CRMS": "1",
+                    "CRC": "1",
+                    "AccountStatus": "1",
+                    "Lien": "1",
+                    "NoBouncedCheck": "1",
+                    "Whitelist": "1",
+                    "NoPastDueSalaryLoan": "1",
+                    "NoPastDueOtherLoan": "1"
+                },
+                "resultDescription": "RAC Check Successful"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="RAC check completed successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/repayment.py b/app/blueprints/repayment.py
new file mode 100644
index 0000000..fbedf68
--- /dev/null
+++ b/app/blueprints/repayment.py
@@ -0,0 +1,54 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.repayment import RepaymentSchema   
+
+class RepaymentService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Repayment request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing Repayment request")
+
+            # Validate input data using the Repayment schema
+            schema = RepaymentSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated processing logic
+            response_data = {
+                "repayment_id": "67890",
+                "status": "Paid",
+                "amount": validated_data.get("amount", 0),  # Example: Use validated field
+            }
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Repayment processed successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/revoke_enable_consent.py b/app/blueprints/revoke_enable_consent.py
new file mode 100644
index 0000000..e5266b5
--- /dev/null
+++ b/app/blueprints/revoke_enable_consent.py
@@ -0,0 +1,58 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.revoke_enable_consent import RevokeEnableConsentSchema   
+
+
+class RevokeEnableConsentService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the RevokeEnableConsent request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing RevokeEnableConsent request")
+
+            # Validate input data using RevokeEnableConsentSchema
+            schema = RevokeEnableConsentSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated processing logic
+            response_data = {
+                "$type": "RevokeEnableConsentResponse",
+                "customerId": "CN621868",
+                "accountId": "2017821799",
+                "resultCode": "00",
+                "resultDescription": "Success"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Consent revocation processed successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/select_offer.py b/app/blueprints/select_offer.py
new file mode 100644
index 0000000..5a21f16
--- /dev/null
+++ b/app/blueprints/select_offer.py
@@ -0,0 +1,109 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.select_offer import SelectOfferSchema   
+
+class SelectOfferService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the SelectOffer request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing SelectOffer request")
+
+            # Validate input data using the imported schema
+            schema = SelectOfferSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Business logic - selecting an offer
+            response_data = {
+                "outstandingDebtAmount": 0,
+                "requestId": "202111170001371256908",
+                "transactionId": "1231231321232",
+                "customerId": "1256907",
+                "accountId": "5948306019",
+                "offers": [
+                    {
+                    "offerId": "14451",
+                    "productId": "2030",
+                    "amount": 10000.0,
+                    "upfrontPayment": 1000.0,
+                    "interestRate": 3.0,
+                    "managementRate": 1.0,
+                    "managementFee": 1.0,
+                    "insuranceRate": 1.0,
+                    "insuranceFee": 100.0,
+                    "vatRate": 7.5,
+                    "vatAmount": 100.0,
+                    "recommendedRepaymentDates": ["2022-11-30"],
+                    "installmentAmount": 11000.0,
+                    "totalRepaymentAmount": 11000.0
+                    },
+                    {
+                    "offerId": "16645",
+                    "productId": "2060",
+                    "amount": 10000.0,
+                    "upfrontPayment": 0.0,
+                    "interestRate": 3.0,
+                    "managementRate": 1.0,
+                    "managementFee": 1.0,
+                    "insuranceRate": 1.0,
+                    "insuranceFee": 100.0,
+                    "vatRate": 7.5,
+                    "vatAmount": 100.0,
+                    "recommendedRepaymentDates": ["2022-11-30", "2023-12-30"],
+                    "installmentAmount": 5761.9,
+                    "totalRepaymentAmount": 11523.8
+                    },
+                    {
+                    "offerId": "122212",
+                    "productId": "2090",
+                    "amount": 10000.0,
+                    "upfrontPayment": 0.0,
+                    "interestRate": 10.0,
+                    "managementRate": 1.0,
+                    "managementFee": 1.0,
+                    "insuranceRate": 1.0,
+                    "insuranceFee": 100.0,
+                    "vatRate": 7.5,
+                    "vatAmount": 100.0,
+                    "recommendedRepaymentDates": ["2022-11-30", "2022-12-30", "2023-01-29"],
+                    "installmentAmount": 4021.15,
+                    "totalRepaymentAmount": 12063.45
+                    }
+                ],
+                "resultCode": "00",
+                "resultDescription": "Successful"
+                }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Offer selection completed successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/sms.py b/app/blueprints/sms.py
new file mode 100644
index 0000000..08ce9a3
--- /dev/null
+++ b/app/blueprints/sms.py
@@ -0,0 +1,56 @@
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.sms import SMSSchema
+
+
+class SMSService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the SMS request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing SMS request")
+
+            # Validate input data using SMSSchema
+            schema = SMSSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated SMS sending logic
+            response_data = {
+                "data": "",
+                "statusCode": 200,
+                "isSuccessful": True,
+                "errorMessage": None
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="SMS sent successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/token_validation.py b/app/blueprints/token_validation.py
new file mode 100644
index 0000000..88fc77d
--- /dev/null
+++ b/app/blueprints/token_validation.py
@@ -0,0 +1,58 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.token_validation import TokenValidationSchema   
+
+
+class TokenValidationService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the TokenValidation request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing TokenValidation request")
+
+            # Validate input data using TokenValidationSchema
+            schema = TokenValidationSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated token validation logic
+            response_data = {
+                "Authenticated": True,
+                "AuthenticatedMessage": "The user Oluwole Olusoga has successfully authenticated!",
+                "ResponseCode": "00",
+                "ResponseMessage": "Successful",
+                "RequestId": "SMB1234567"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Token validation completed successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/blueprints/transaction_verify.py b/app/blueprints/transaction_verify.py
new file mode 100644
index 0000000..63cfe7f
--- /dev/null
+++ b/app/blueprints/transaction_verify.py
@@ -0,0 +1,61 @@
+from flask import request
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.helpers.response_helper import ResponseHelper
+from app.schemas.transaction_verify import TransactionVerifySchema   
+
+
+class TransactionVerifyService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the TransactionVerify request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing TransactionVerify request")
+
+            # Validate input data using TransactionVerifySchema
+            schema = TransactionVerifySchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated processing logic
+            response_data = {
+                "$type": "TransactionCheckResponse",
+                "nativeId": "FBN20191031104405CN621868",
+                "customerId": "CN621868",
+                "accountId": "2017821799",
+                "providedAmount": 0.0,
+                "collectedAmount": 7.50,
+                "resultCode": "00",
+                "resultDescription": "Collect Status retrieved successfully."
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Transaction verification completed successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return ResponseHelper.error(
+                message="Invalid input data",
+                status_code=400,
+                error=err.messages
+            )
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return ResponseHelper.error(
+                message="An internal error occurred",
+                status_code=500,
+                error=str(e)
+            )
diff --git a/app/config.py b/app/config.py
new file mode 100644
index 0000000..5e16347
--- /dev/null
+++ b/app/config.py
@@ -0,0 +1,10 @@
+import os
+
+class Config:
+    """Base configuration for Flask app"""
+
+    # SQLALCHEMY_DATABASE_URI = "mysql://root:password@localhost/flask_app"
+    # SQLALCHEMY_TRACK_MODIFICATIONS = False
+    # SECRET_KEY = os.environ.get("SECRET_KEY", "your_secret_key")
+
+    DEBUG = True
\ No newline at end of file
diff --git a/app/helpers/response_helper.py b/app/helpers/response_helper.py
new file mode 100644
index 0000000..47faeaf
--- /dev/null
+++ b/app/helpers/response_helper.py
@@ -0,0 +1,213 @@
+from flask import jsonify
+from typing import List, Dict, Union, Optional, Any
+
+
+class ResponseHelper:
+    """
+    A helper class for building standardized JSON responses in Flask.
+    """
+
+    @staticmethod
+    def build_response(
+        status: bool,
+        message: str,
+        data: Optional[Union[Dict, List, str]] = None,
+        status_code: int = 200,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Build a standardized JSON response.
+
+        Args:
+            status (bool): Indicates whether the request was successful.
+            message (str): A message describing the result of the request.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            status_code (int): The HTTP status code for the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        response = {
+            "status": status,
+            "statusCode": status_code,
+            "message": message,
+            "data": data if data is not None else {},
+            "error": error if error is not None else {},
+        }
+        return response
+
+    @staticmethod
+    def success(
+        data: Optional[Union[Dict, List, str]] = None,
+        message: str = "Successful",
+        status_code: int = 200,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a success response.
+
+        Args:
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            message (str): A message describing the result of the request.
+            status_code (int): The HTTP status code for the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(True, message, data, status_code, error)
+
+    @staticmethod
+    def error(
+        message: str = "An error occurred",
+        status_code: int = 400,
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return an error response.
+
+        Args:
+            message (str): A message describing the error.
+            status_code (int): The HTTP status code for the response.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, status_code, error)
+
+    @staticmethod
+    def created(
+        data: Optional[Union[Dict, List, str]] = None,
+        message: str = "Resource created successfully",
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for a created resource.
+
+        Args:
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            message (str): A message describing the result of the request.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(True, message, data, 201, error)
+
+    @staticmethod
+    def updated(
+        data: Optional[Union[Dict, List, str]] = None,
+        message: str = "Resource updated successfully",
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for an updated resource.
+
+        Args:
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            message (str): A message describing the result of the request.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(True, message, data, 200, error)
+
+    @staticmethod
+    def internal_server_error(
+        message: str = "Internal Server Error",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for an internal server error.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 500, error)
+
+    @staticmethod
+    def unauthorized(
+        message: str = "Unauthorized",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for an unauthorized request.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 401, error)
+
+    @staticmethod
+    def forbidden(
+        message: str = "Forbidden",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for a forbidden request.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 403, error)
+
+    @staticmethod
+    def not_found(
+        message: str = "Resource not found",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for a not found resource.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 404, error)
+
+    @staticmethod
+    def unprocessable_entity(
+        message: str = "Unprocessable entity",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for an unprocessable entity.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 422, error)
\ No newline at end of file
diff --git a/app/middlewares/__init__.py b/app/middlewares/__init__.py
new file mode 100644
index 0000000..e69de29
diff --git a/app/middlewares/cors.py b/app/middlewares/cors.py
new file mode 100644
index 0000000..e655fac
--- /dev/null
+++ b/app/middlewares/cors.py
@@ -0,0 +1,9 @@
+# app/middlewares/cors.py
+from flask import request
+
+def cors_headers(response):
+    """Allow cross-origin requests"""
+    response.headers["Access-Control-Allow-Origin"] = "*"
+    response.headers["Access-Control-Allow-Methods"] = "GET, POST, PUT, PATCH, DELETE"
+    response.headers["Access-Control-Allow-Headers"] = "Authorization, Content-Type"
+    return response
diff --git a/app/middlewares/encryption.py b/app/middlewares/encryption.py
new file mode 100644
index 0000000..ccb3372
--- /dev/null
+++ b/app/middlewares/encryption.py
@@ -0,0 +1,14 @@
+# app/middlewares/encryption.py
+from cryptography.fernet import Fernet
+import os
+
+ENCRYPTION_KEY = os.getenv("ENCRYPTION_KEY", Fernet.generate_key())
+cipher = Fernet(ENCRYPTION_KEY)
+
+def encrypt_data(data):
+    """Encrypt sensitive data"""
+    return cipher.encrypt(data.encode()).decode()
+
+def decrypt_data(data):
+    """Decrypt sensitive data"""
+    return cipher.decrypt(data.encode()).decode()
diff --git a/app/middlewares/request_validator.py b/app/middlewares/request_validator.py
new file mode 100644
index 0000000..903e450
--- /dev/null
+++ b/app/middlewares/request_validator.py
@@ -0,0 +1,11 @@
+# app/middlewares/request_validator.py
+from flask import request
+from app.helpers.response_helper import ResponseHelper
+
+def validate_json():
+    """Ensure request has valid JSON"""
+    if not request.is_json:
+        return ResponseHelper.error(
+                message="Request must be JSON",
+                status_code=415
+            )
diff --git a/app/middlewares/verify_api_key.py b/app/middlewares/verify_api_key.py
new file mode 100644
index 0000000..22831df
--- /dev/null
+++ b/app/middlewares/verify_api_key.py
@@ -0,0 +1,8 @@
+# app/middlewares/auth.py
+from flask import request, jsonify
+
+def require_api_key():
+    """Middleware to check if API key is present"""
+    api_key = request.headers.get("X-API-KEY")
+    if not api_key:
+        return jsonify({"error": "Missing API key"}), 403
diff --git a/app/routes/__init__.py b/app/routes/__init__.py
new file mode 100644
index 0000000..4ebb14a
--- /dev/null
+++ b/app/routes/__init__.py
@@ -0,0 +1 @@
+from .routes import api 
diff --git a/app/routes/__pycache__/__init__.cpython-312.pyc b/app/routes/__pycache__/__init__.cpython-312.pyc
new file mode 100644
index 0000000..2016fed
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diff --git a/app/routes/__pycache__/main.cpython-312.pyc b/app/routes/__pycache__/main.cpython-312.pyc
new file mode 100644
index 0000000..1324572
Binary files /dev/null and b/app/routes/__pycache__/main.cpython-312.pyc differ
diff --git a/app/routes/routes.py b/app/routes/routes.py
new file mode 100644
index 0000000..1033b4c
--- /dev/null
+++ b/app/routes/routes.py
@@ -0,0 +1,175 @@
+from flask import Blueprint, request, jsonify
+from app.blueprints import (
+    EligibilityCheckService,
+    SelectOfferService,
+    ProvideLoanService,
+    LoanInformationService,
+    RepaymentService,
+    CustomerConsentService,
+    NotificationCallbackService,
+    RACCheckService,
+    DisbursementService,
+    CollectLoanService,
+    TransactionVerifyService,
+    PenalChargeService,
+    RevokeEnableConsentService,
+    TokenValidationService,
+    LienCheckService,
+    NewTransactionCheckService,
+    SMSService,
+    BulkSMSService
+)
+from app.utils.logger import logger
+
+
+api = Blueprint("api", __name__)
+
+
+# EligibilityCheck Endpoint
+@api.route('/EligibilityCheck', methods=['POST'])
+def eligibility_check():
+    data = request.get_json()
+    # logger.info(f"EligibilityCheck request received: {data}")
+    response = EligibilityCheckService.process_request(data)
+    return jsonify(response)
+
+# SelectOffer Endpoint
+@api.route('/SelectOffer', methods=['POST'])
+def select_offer():
+    data = request.get_json()
+    # logger.info(f"SelectOffer request received: {data}")
+    response = SelectOfferService.process_request(data)
+    return jsonify(response)
+
+# ProvideLoan Endpoint
+@api.route('/ProvideLoan', methods=['POST'])
+def provide_loan():
+    data = request.get_json()
+    # logger.info(f"ProvideLoan request received: {data}")
+    response = ProvideLoanService.process_request(data)
+    return jsonify(response)
+
+# LoanInformation Endpoint
+@api.route('/LoanInformation', methods=['GET'])
+def loan_information():
+    data = request.args.to_dict()
+    # logger.info(f"LoanInformation request received: {data}")
+    response = LoanInformationService.process_request(data)
+    return jsonify(response)
+
+# Repayment Endpoint
+@api.route('/Repayment', methods=['POST'])
+def repayment():
+    data = request.get_json()
+    # logger.info(f"Repayment request received: {data}")
+    response = RepaymentService.process_request(data)
+    return jsonify(response)
+
+# CustomerConsent Endpoint
+@api.route('/CustomerConsent', methods=['POST'])
+def customer_consent():
+    data = request.get_json()
+    # logger.info(f"CustomerConsent request received: {data}")
+    response = CustomerConsentService.process_request(data)
+    return jsonify(response)
+
+# NotificationCallback Endpoint
+@api.route('/NotificationCallback', methods=['POST'])
+def notification_callback():
+    data = request.get_json()
+    # logger.info(f"NotificationCallback request received: {data}")
+    response = NotificationCallbackService.process_request(data)
+    return jsonify(response)
+
+# RACCheck Endpoint
+@api.route('/RACCheck', methods=['POST'])
+def rac_check():
+    data = request.get_json()
+    # logger.info(f"RACCheck request received: {data}")
+    response = RACCheckService.process_request(data)
+    return jsonify(response)
+
+# Disbursement Endpoint
+@api.route('/Disbursement', methods=['POST'])
+def disbursement():
+    data = request.get_json()
+    # logger.info(f"Disbursement request received: {data}")
+    response = DisbursementService.process_request(data)
+    return jsonify(response)
+
+# CollectLoan Endpoint
+@api.route('/CollectLoan', methods=['POST'])
+def collect_loan():
+    data = request.get_json()
+    # logger.info(f"CollectLoan request received: {data}")
+    response = CollectLoanService.process_request(data)
+    return jsonify(response)
+
+# TransactionVerify Endpoint
+@api.route('/TransactionVerify', methods=['POST'])
+def transaction_verify():
+    data = request.get_json()
+    # logger.info(f"TransactionVerify request received: {data}")
+    response = TransactionVerifyService.process_request(data)
+    return jsonify(response)
+
+# PenalCharge Endpoint
+@api.route('/PenalCharge', methods=['POST'])
+def penal_charge():
+    data = request.get_json()
+    # logger.info(f"PenalCharge request received: {data}")
+    response = PenalChargeService.process_request(data)
+    return jsonify(response)
+
+# RevokeEnableConsent Endpoint
+@api.route('/RevokeEnableConsent', methods=['POST'])
+def revoke_enable_consent():
+    data = request.get_json()
+    # logger.info(f"RevokeEnableConsent request received: {data}")
+    response = RevokeEnableConsentService.process_request(data)
+    return jsonify(response)
+
+# TokenValidation Endpoint
+@api.route('/TokenValidation', methods=['POST'])
+def token_validation():
+    data = request.get_json()
+    # logger.info(f"TokenValidation request received: {data}")
+    response = TokenValidationService.process_request(data)
+    return jsonify(response)
+
+# LienCheck Endpoint
+@api.route('/LienCheck', methods=['POST'])
+def lien_check():
+    data = request.get_json()
+    # logger.info(f"LienCheck request received: {data}")
+    response = LienCheckService.process_request(data)
+    return jsonify(response)
+
+# NewTransactionCheck Endpoint
+@api.route('/NewTransactionCheck', methods=['POST'])
+def new_transaction_check():
+    data = request.get_json()
+    # logger.info(f"NewTransactionCheck request received: {data}")
+    response = NewTransactionCheckService.process_request(data)
+    return jsonify(response)
+
+# SMS Endpoint
+@api.route('/SMS', methods=['POST'])
+def sms():
+    data = request.get_json()
+    # logger.info(f"SMS request received: {data}")
+    response = SMSService.process_request(data)
+    return jsonify(response)
+
+# BulkSMS Endpoint
+@api.route('/BulkSMS', methods=['POST'])
+def bulk_sms():
+    data = request.get_json()
+    # logger.info(f"BulkSMS request received: {data}")
+    response = BulkSMSService.process_request(data)
+    return jsonify(response)
+
+# Health Check Endpoint
+@api.route('/health', methods=['GET'])
+def health_check():
+    return {"status": "ok"} , 200
\ No newline at end of file
diff --git a/app/schemas/__init__.py b/app/schemas/__init__.py
new file mode 100644
index 0000000..e69de29
diff --git a/app/schemas/bulk_sms.py b/app/schemas/bulk_sms.py
new file mode 100644
index 0000000..40c2465
--- /dev/null
+++ b/app/schemas/bulk_sms.py
@@ -0,0 +1,6 @@
+from marshmallow import Schema, fields
+from .sms import SMSSchema
+
+# Bulk SMS Schema
+class BulkSMSSchema(Schema):
+    requests = fields.List(fields.Nested(SMSSchema), required=True)
\ No newline at end of file
diff --git a/app/schemas/collect_loan.py b/app/schemas/collect_loan.py
new file mode 100644
index 0000000..fb5bc76
--- /dev/null
+++ b/app/schemas/collect_loan.py
@@ -0,0 +1,16 @@
+from marshmallow import Schema, fields
+
+# Collect Loan Schema
+class CollectLoanSchema(Schema):
+    transactionId = fields.Str(required=True)
+    fbnTransactionId = fields.Str(required=True)
+    debtId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    productId = fields.Str(required=True)
+    collectAmount = fields.Float(required=True)
+    penalCharge = fields.Float(required=False)  # Optional 
+    collectionMethod = fields.Int(required=True)
+    lienAmount = fields.Float(required=True)
+    countryId = fields.Str(required=True) 
+    comment = fields.Str(required=False)  # Optional
\ No newline at end of file
diff --git a/app/schemas/customer_consent.py b/app/schemas/customer_consent.py
new file mode 100644
index 0000000..b6f567f
--- /dev/null
+++ b/app/schemas/customer_consent.py
@@ -0,0 +1,11 @@
+from marshmallow import Schema, fields
+
+# Customer Consent Schema
+class CustomerConsentSchema(Schema):
+    type = fields.Str(data_key="$type", required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    requestTime = fields.DateTime(required=True, format="%Y-%m-%d %H:%M:%S.%f")
+    consentType = fields.Str(required=True)
+    channel = fields.Str(required=True)
\ No newline at end of file
diff --git a/app/schemas/disbursement.py b/app/schemas/disbursement.py
new file mode 100644
index 0000000..b9ffe39
--- /dev/null
+++ b/app/schemas/disbursement.py
@@ -0,0 +1,17 @@
+from marshmallow import Schema, fields
+
+# Disbursement Schema
+class DisbursementSchema(Schema):
+    requestId = fields.Str(required=True, data_key="requestId")
+    debtId = fields.Str(required=True, data_key="debtId")
+    transactionId = fields.Str(required=True, data_key="transactionId")
+    customerId = fields.Str(required=True, data_key="customerId")
+    accountId = fields.Str(required=True, data_key="accountId")
+    productId = fields.Str(required=True, data_key="productId")
+    provideAmount = fields.Float(required=True, data_key="provideAmount")
+    collectAmountInterest = fields.Float(required=False, data_key="collectAmountInterest")  # Optional
+    collectAmountMgtFee = fields.Float(required=True, data_key="collectAmountMgtFee")
+    collectAmountInsurance = fields.Float(required=True, data_key="collectAmountInsurance")
+    collectAmountVAT = fields.Float(required=True, data_key="collectAmountVAT")
+    countryId = fields.Str(required=True, data_key="countryId")
+    comment = fields.Str(required=False, data_key="comment")  # Optional
\ No newline at end of file
diff --git a/app/schemas/eligibility_check.py b/app/schemas/eligibility_check.py
new file mode 100644
index 0000000..3b75bb2
--- /dev/null
+++ b/app/schemas/eligibility_check.py
@@ -0,0 +1,11 @@
+from marshmallow import Schema, fields
+
+class EligibilityCheckSchema(Schema):
+    type = fields.Str(data_key="$type", required=True, description="Request type")
+    transactionId = fields.Str(data_key="transactionId", required=True, description="Transaction ID")
+    countryCode = fields.Str(data_key="countryCode", required=True, description="Country code (ISO)")
+    customerId = fields.Str(data_key="customerId", required=True, description="Customer ID")
+    accountId = fields.Str(data_key="accountId", required=True, description="Account ID")
+    msisdn = fields.Str(required=True, description="Mobile number")
+    lienAmount = fields.Float(required=True, description="Amount for lien")
+    channel = fields.Str(required=True, description="Transaction channel (USSD, Mobile, Web)")
diff --git a/app/schemas/lien_check.py b/app/schemas/lien_check.py
new file mode 100644
index 0000000..79c509e
--- /dev/null
+++ b/app/schemas/lien_check.py
@@ -0,0 +1,8 @@
+from marshmallow import Schema, fields
+
+# Lien Check Schema
+class LienCheckSchema(Schema):
+    transactionId = fields.Str(required=True, metadata={"description": "Unique Identifier in Simbrella system"})
+    customerId = fields.Str(required=True, metadata={"description": "Unique identifier of customer"})
+    accountId = fields.Str(required=True, metadata={"description": "Unique identifier of account"})
+    countryId = fields.Str(required=True, metadata={"description": 'Set to static value "01"'})
\ No newline at end of file
diff --git a/app/schemas/loan_information.py b/app/schemas/loan_information.py
new file mode 100644
index 0000000..4d9b5ab
--- /dev/null
+++ b/app/schemas/loan_information.py
@@ -0,0 +1,5 @@
+from marshmallow import Schema, fields
+
+# Loan Information Schema
+class LoanInformationSchema(Schema):
+    loan_id = fields.Str(required=True)
\ No newline at end of file
diff --git a/app/schemas/new_transaction_check.py b/app/schemas/new_transaction_check.py
new file mode 100644
index 0000000..9e79864
--- /dev/null
+++ b/app/schemas/new_transaction_check.py
@@ -0,0 +1,12 @@
+from marshmallow import Schema, fields
+
+# New Transaction Check Schema
+class NewTransactionCheckSchema(Schema):
+    transactionId = fields.Str(required=True)
+    debtId = fields.Str(required=True)
+    transactionType = fields.Str(required=True, metadata={
+        "allowed_values": ["Disbursement", "Collection", "PenalCharge"]
+    })
+    fbnTransactionId = fields.Str(required=True)
+    origTransactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
\ No newline at end of file
diff --git a/app/schemas/notification_callback.py b/app/schemas/notification_callback.py
new file mode 100644
index 0000000..19e6b4d
--- /dev/null
+++ b/app/schemas/notification_callback.py
@@ -0,0 +1,14 @@
+from marshmallow import Schema, fields
+
+# Notification Callback Schema
+class NotificationCallbackSchema(Schema):
+    fbnTransactionId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    debtId = fields.Str(required=True)
+    transactionType = fields.Str(required=True)
+    amountProvided = fields.Float(required=True)
+    amountCollected = fields.Float(required=True)
+    responseCode = fields.Str(required=True)
+    responseDescription = fields.Str(required=True)
\ No newline at end of file
diff --git a/app/schemas/penal_charge.py b/app/schemas/penal_charge.py
new file mode 100644
index 0000000..cb04e4e
--- /dev/null
+++ b/app/schemas/penal_charge.py
@@ -0,0 +1,14 @@
+from marshmallow import Schema, fields
+
+
+# Penal Charge Schema
+class PenalChargeSchema(Schema):
+    transactionId = fields.Str(required=True, metadata={"description": "Unique identifier of transaction in Simbrella system"})
+    fbnTransactionId = fields.Str(required=True, metadata={"description": "Unique id of the transaction received from FBN in Eligibility or Provision requests"})
+    debtId = fields.Str(required=True, metadata={"description": "Unique identifier of providing loan in Simbrella system"})
+    customerId = fields.Str(required=True, metadata={"description": "Unique identifier of a user"})
+    accountId = fields.Str(required=True, metadata={"description": "Specific identifier of a user’s account"})
+    penalCharge = fields.Decimal(required=True, metadata={"description": "Penalty amount that needs to be collected from user’s account"})
+    lienAmount = fields.Decimal(required=True, metadata={"description": "Aggregated (summed up) lien amount"})
+    countryId = fields.Str(required=True, metadata={"description": 'Set to static value "01"'})
+    comment = fields.Str(required=False, metadata={"description": "Any additional comment for provided loan operation"})
diff --git a/app/schemas/provide_loan.py b/app/schemas/provide_loan.py
new file mode 100644
index 0000000..9de0cb7
--- /dev/null
+++ b/app/schemas/provide_loan.py
@@ -0,0 +1,16 @@
+from marshmallow import Schema, fields
+
+# Provide Loan Schema
+class ProvideLoanSchema(Schema):
+    type = fields.Str(required=True, data_key="$type")
+    request_id = fields.Str(required=True, data_key="requestId")
+    transaction_id = fields.Str(required=True, data_key="transactionId")
+    customer_id = fields.Str(required=True, data_key="customerId")
+    account_id = fields.Str(required=True, data_key="accountId")
+    msisdn = fields.Str(required=False, data_key="msisdn")
+    product_id = fields.Str(required=True, data_key="productId")
+    lien_amount = fields.Float(required=True, data_key="lienAmount")
+    requested_amount = fields.Float(required=True, data_key="requestedAmount")
+    collection_type = fields.Int(required=True, data_key="collectionType")
+    loan_type = fields.Int(required=True, data_key="loanType")
+    channel = fields.Str(required=True, data_key="channel")
\ No newline at end of file
diff --git a/app/schemas/rac_check.py b/app/schemas/rac_check.py
new file mode 100644
index 0000000..3b858d2
--- /dev/null
+++ b/app/schemas/rac_check.py
@@ -0,0 +1,23 @@
+from marshmallow import Schema, fields
+
+class RACItemSchema(Schema):
+    salaryAccount = fields.Bool(required=True)
+    bvn = fields.Str(required=True)
+    crc = fields.Bool(required=True)
+    crms = fields.Bool(required=True)
+    accountStatus = fields.Str(required=True)
+    lien = fields.Bool(required=True)
+    noBouncedCheck = fields.Bool(required=True)
+    existingLoan = fields.Bool(required=True)
+    whitelist = fields.Bool(required=True)
+    noPastDueSalaryLoan = fields.Bool(required=True)
+    noPastDueOtherLoans = fields.Bool(required=True)
+
+
+# RAC Check Schema
+class RACCheckSchema(Schema):
+    transactionId = fields.Str(required=True)
+    fbnTransactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    RAC_Array = fields.List(fields.Nested(RACItemSchema), required=True)
\ No newline at end of file
diff --git a/app/schemas/repayment.py b/app/schemas/repayment.py
new file mode 100644
index 0000000..6168031
--- /dev/null
+++ b/app/schemas/repayment.py
@@ -0,0 +1,11 @@
+from marshmallow import Schema, fields
+
+# Repayment Schema
+class RepaymentSchema(Schema):
+    type = fields.Str(data_key="$type", required=True)
+    msisdn = fields.Str(required=False) #optional
+    debtId = fields.Str(required=True)
+    productId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    channel = fields.Str(required=True)
diff --git a/app/schemas/revoke_enable_consent.py b/app/schemas/revoke_enable_consent.py
new file mode 100644
index 0000000..fd617eb
--- /dev/null
+++ b/app/schemas/revoke_enable_consent.py
@@ -0,0 +1,13 @@
+from marshmallow import Schema, fields
+
+
+# Revoke Enable Consent Schema
+class RevokeEnableConsentSchema(Schema):
+    transactionId = fields.Str(required=True, metadata={"description": "Unique identifier of transaction in Simbrella system"})
+    fbnTransactionId = fields.Str(required=True, metadata={"description": "Unique id of the transaction received from FBN in CustomerConsentRequest"})
+    customerId = fields.Str(required=True, metadata={"description": "Unique identifier of a user"})
+    accountId = fields.Str(required=True, metadata={"description": "Specific identifier of a user’s account"})
+    processTime = fields.DateTime(required=True, metadata={"description": "Date and time when consent request was processed"})
+    consentType = fields.Str(required=True, metadata={"description": '“Enable” or “Revoke”'})
+    countryId = fields.Str(required=True, metadata={"description": 'Set to static value "01"'})
+    comment = fields.Str(required=False, metadata={"description": "Any additional comment for consent operation"})
diff --git a/app/schemas/select_offer.py b/app/schemas/select_offer.py
new file mode 100644
index 0000000..99398e1
--- /dev/null
+++ b/app/schemas/select_offer.py
@@ -0,0 +1,13 @@
+from marshmallow import Schema, fields
+
+# Select Offer Schema
+class SelectOfferSchema(Schema):
+    requestId = fields.Str(required=True, description="Unique request identifier")
+    transactionId = fields.Str(required=True, description="Transaction ID")
+    customerId = fields.Str(required=True, description="Customer ID")
+    accountId = fields.Str(required=True, description="Account ID")
+    msisdn = fields.Str(required=True, description="Mobile number")
+    requestedAmount = fields.Float(required=True, description="Amount requested")
+    productId = fields.Str(required=True, description="Product ID")
+    channel = fields.Str(required=True, description="Transaction channel (e.g., USSD)")
+
diff --git a/app/schemas/sms.py b/app/schemas/sms.py
new file mode 100644
index 0000000..e8209c4
--- /dev/null
+++ b/app/schemas/sms.py
@@ -0,0 +1,7 @@
+from marshmallow import Schema, fields
+
+# SMS Schema
+class SMSSchema(Schema):
+    text = fields.Str(required=True)
+    dest = fields.Str(required=True)
+    unicode = fields.Bool(required=True)
\ No newline at end of file
diff --git a/app/schemas/token_validation.py b/app/schemas/token_validation.py
new file mode 100644
index 0000000..c8e067b
--- /dev/null
+++ b/app/schemas/token_validation.py
@@ -0,0 +1,8 @@
+from marshmallow import Schema, fields
+
+# Token Validation Schema
+class TokenValidationSchema(Schema):
+    RequestId = fields.Str(required=True)
+    UserId = fields.Str(required=True)
+    CountryId = fields.Str(required=True)
+    TokenCode = fields.Str(required=True)
\ No newline at end of file
diff --git a/app/schemas/transaction_verify.py b/app/schemas/transaction_verify.py
new file mode 100644
index 0000000..021ded4
--- /dev/null
+++ b/app/schemas/transaction_verify.py
@@ -0,0 +1,12 @@
+from marshmallow import Schema, fields
+
+
+# Transaction Verify Schema
+class TransactionVerifySchema(Schema):
+    counter = fields.Str(required=True)
+    TransactionId = fields.Str(required=True)
+    requestID = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    countryId = fields.Str(required=True)  # Static value “01”
+    transactionType = fields.Str(required=True)
\ No newline at end of file
diff --git a/app/static/css/main.css b/app/static/css/main.css
new file mode 100644
index 0000000..e69de29
diff --git a/app/static/js/main.js b/app/static/js/main.js
new file mode 100644
index 0000000..e69de29
diff --git a/app/templates/index.html b/app/templates/index.html
new file mode 100644
index 0000000..f29a4e2
--- /dev/null
+++ b/app/templates/index.html
@@ -0,0 +1,11 @@
+<!DOCTYPE html>
+<html lang="en">
+<head>
+    <meta charset="UTF-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1.0">
+    <link rel="stylesheet" href="{{ url_for('static', filename='css/main.css') }}">
+</head>
+<body>
+    
+</body>
+</html> 
\ No newline at end of file
diff --git a/app/utils/__pycache__/logger.cpython-312.pyc b/app/utils/__pycache__/logger.cpython-312.pyc
new file mode 100644
index 0000000..0b14459
Binary files /dev/null and b/app/utils/__pycache__/logger.cpython-312.pyc differ
diff --git a/app/utils/logger.py b/app/utils/logger.py
new file mode 100644
index 0000000..9c0d571
--- /dev/null
+++ b/app/utils/logger.py
@@ -0,0 +1,13 @@
+import logging
+
+# Configure logging
+logging.basicConfig(
+    level=logging.INFO,
+    format="%(asctime)s - %(levelname)s - %(message)s",
+    handlers=[
+        logging.StreamHandler(),  # Log to console
+        logging.FileHandler("app.log", mode='a')  # Log to file
+    ]
+)
+
+logger = logging.getLogger("DetectionService")