🏦 CrediGig - Credit Scoring Platform for Gig Workers

Modern credit scoring system for gig economy workers with ML-powered risk assessment, loan management, and real-time performance tracking.

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🚀 Quick Start

Prerequisites

• Node.js >= 16.x
• Python >= 3.8
• npm >= 8.x
• PostgreSQL (Neon Cloud)

Installation & Running

1️⃣ ML Service (Port 5001):

cd ml_service
pip install -r requirements.txt
python app.py

2️⃣ Backend Server (Port 5000):

cd server
npm install
npm start

3️⃣ Frontend Client (Port 5173):

cd client
npm install
npm run dev

🌐 Access the app: http://localhost:5173

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🎨 Tech Stack

Layer	Technology
Frontend	React 19 + Vite + Tailwind CSS v4
Backend	Node.js + Express 5
Database	PostgreSQL (Neon Cloud)
ML Service	Python + Flask + scikit-learn
Authentication	JWT + bcrypt
Icons	Lucide React

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✨ Features

👷 Worker Portal

• Dashboard - Real-time credit score, performance metrics, earnings summary
• Credit Score - ML-powered credit scoring with detailed breakdown
• Earnings Tracking - Log daily work hours, ratings, and income
• Loan Eligibility - View max loan amount, interest rates, risk category
• Loan Applications - Apply for loans from multiple banks
• Profile Management - Update personal information

🏦 Banker/Admin Portal

• Dashboard - Worker statistics, loan analytics, platform overview
• Worker Management - Search workers, view profiles, credit scores
• Loan Management - Review, approve/reject loan applications
• Performance Metrics - Track worker performance across the platform

🎨 Design & UX

• Sky Blue Theme - Modern gradient design with slate/sky color palette
• Dark Mode - Full dark mode support with smooth transitions
• Responsive - Mobile-first design, works on all screen sizes
• Accessibility - WCAG AA compliant, keyboard navigation

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📁 Project Structure

DU_Hacks/
├── 📁 client/                  # React Frontend (Vite)
│   ├── src/
│   │   ├── pages/              # Page components
│   │   │   ├── LoginPage.jsx
│   │   │   ├── RegisterPage.jsx
│   │   │   ├── DashboardPage.jsx
│   │   │   ├── EarningsPage.jsx
│   │   │   ├── LoanEligibilityPage.jsx
│   │   │   ├── LoanApplicationPage.jsx
│   │   │   ├── ProfilePage.jsx
│   │   │   ├── AdminDashboardPage.jsx
│   │   │   ├── AdminWorkersPage.jsx
│   │   │   └── AdminLoansPage.jsx
│   │   ├── components/         # Reusable UI components
│   │   │   ├── common/         # Button, Card, Input, Modal, etc.
│   │   │   ├── worker/         # Worker-specific components
│   │   │   └── admin/          # Admin-specific components
│   │   ├── context/            # React Context (Auth, Theme)
│   │   ├── hooks/              # Custom hooks
│   │   └── services/           # API service layer
│   └── package.json
│
├── 📁 server/                  # Node.js Backend (Express)
│   ├── index.js                # Main server entry
│   ├── db.js                   # PostgreSQL connection
│   ├── auth.js                 # Authentication logic
│   ├── middleware.js           # Auth middleware
│   ├── migrations/             # Database migrations
│   └── package.json
│
├── 📁 ml_service/              # Python ML Service (Flask)
│   ├── app.py                  # Flask API server
│   ├── requirements.txt        # Python dependencies
│   └── README.md
│
└── README.md                   # This file

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🔌 API Endpoints

Authentication

Method	Endpoint	Description
POST	/api/auth/register	User registration
POST	/api/auth/login	User login
GET	/api/auth/me	Get current user

Workers

Method	Endpoint	Description
GET	/api/workers	Get all workers
GET	/api/workers/:id	Get worker by ID
PUT	/api/workers/:id	Update worker
GET	/api/workers/:id/credit-score	Get credit score

Earnings

Method	Endpoint	Description
GET	/api/earnings/:workerId	Get earnings history
POST	/api/earnings	Add earnings record

Loans

Method	Endpoint	Description
GET	/api/loans	Get all loans
POST	/api/loans	Create loan application
PATCH	/api/loans/:id/status	Update loan status

ML Service

Method	Endpoint	Description
POST	/predict	Get ML credit score prediction
GET	/health	Health check

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🧠 ML Credit Scoring Model

The credit scoring system uses a Gradient Boosting Classifier trained on:

Input Features

• Monthly Income
• Work Hours per Week
• Platform Rating (1-5)
• Completed Jobs Count
• Account Age (months)
• Debt-to-Income Ratio

Output

• Credit Score (300-850)
• Risk Category (Low/Medium/High)
• Loan Eligibility (Max amount, Interest rate)

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🎨 Color Palette

Light Mode

Element	Color	Hex
Background	Slate 50	#f8fafc
Cards	White	#ffffff
Primary	Sky 500	#0ea5e9
Text	Slate 900	#0f172a

Dark Mode

Element	Color	Hex
Background	Slate 950	#020617
Cards	Slate 800	#1e293b
Primary	Sky 500	#0ea5e9
Text	Slate 100	#f1f5f9

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🧪 Testing

# Frontend tests
cd client
npm test

# Backend tests
cd server
npm test

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🛠️ Environment Variables

Backend (server/.env)

DATABASE_URL=postgresql://username:password@host/database
JWT_SECRET=your_jwt_secret_key
ML_SERVICE_URL=http://localhost:5001
PORT=5000

Frontend (client/.env)

VITE_API_URL=http://localhost:5000

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🚢 Deployment

Build for Production

# Frontend
cd client && npm run build
# Output: client/dist/

# Backend
cd server && npm start

# ML Service
cd ml_service && python app.py

📝 License

MIT License - See LICENSE file for details.

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🙏 Acknowledgments

• Built for DU Hacks Hackathon 2026
• Powered by Neon PostgreSQL
• ML Model trained with scikit-learn

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Built with ❤️ for the gig economy workers