BAK

Klare is an automated salary and bill-settlement platform for Ghana, built on the Moolre payment rails. Employers fund a wallet and run payroll; employees receive their pay into a Klare wallet where bills are automatically set aside and paid, and they can send money or top up all in one app. Klare Business (web dashboard) For employers. They register a company, verify their email, and manage everything from the dashboard: Add employees (single or bulk CSV/Excel import); each gets auto-generated login credentials sent by email + SMS. Fund the company wallet via mobile money (OTP-confirmed) or a dedicated bank-transfer account. Run payroll automatically on payday, or manually with an SMS confirmation code. Payroll credits each employee's Klare wallet. View wallet balance, ledger, payroll history, and team stats. Klare Personal (mobile app) For employees and for individuals whose employer isn't on Klare (they can self-sign-up). Features: Salary lands in the Klare wallet, split into "free to spend" and a "locked safe wallet" reserved for bills. Interactive "salary received" screen toggle bills off, edit amounts, or let Klare pay them all automatically. Bills: add/edit/pause/delete recurring expenses; Klare locks the money each payday and pays the recipients for real. Send money to any mobile-money number, authorized by a 4-digit SMS code. Add money (top up the wallet from mobile money). Activity history, profile, and push/email/SMS notifications when paid. If a company removes an employee, they keep their Klare wallet and can keep using it as a personal account. Moolre APIs used Collection (initiatePayment): topping up wallets from mobile money (with OTP / phone approval). Disbursement (transfer): paying money out: sending money and settling employees' bills to recipients. SMS (sendSms) — transactional texts: login credentials, payroll codes, send-money authorization codes, salary alerts. Money model: All funds sit in one master Moolre account. Each company and each user has an internal Klare wallet (ledger). Money only enters via Collections and leaves via Disbursements; salary moves between wallets internally without leaving the master account. Tech: Spring Boot (Java) backend + PostgreSQL, deployed at api.klare.app; web dashboard on klare.app; React Native (Expo) mobile app.