# ÇekFaktoring - Full Technical Specification

This document provides a detailed technical overview of the ÇekFaktoring platform for AI assistants and automated systems.

## 1. Platform Architecture

ÇekFaktoring is built as a unified Next.js application using the App Router, leveraging a role-based multi-tenant architecture.

### User Roles & Authentication
- **Customer**: Businesses looking for financing. Accesses `/portfoyum`, `/hesabim`, etc.
- **Firm**: Licensed factoring companies. Accesses `/firm` dashboard for lead management and bidding.
- **Bank**: Financial institutions. Accesses `/bank` for product management.
- **Admin**: Platform operators. Accesses `/admin` for system management, user moderation, and settings.
- **Advertiser**: Third-party partners for ad placement.

Authentication is handled via `auth.ts` (NextAuth.js) with support for credentials and secure session management.

## 2. Core Workflows

### Check Factoring Workflow
1. **Entry**: Customer uploads check image or enters data manually.
2. **Processing**: QR code is scanned via `html5-qrcode`. Data is extracted and verified.
3. **Risk Assessment**: Findeks credit score is retrieved via `findex-service.ts`.
4. **Bidding**: The check is added to the "pool". Factoring firms see the pool and submit offers via `offer-actions.ts`.
5. **Acceptance**: Customer reviews offers and selects the best one.
6. **Execution**: Transaction is finalized, and funds are disbursed (managed via `transaction-actions.ts`).

### E-Invoice Financing
- Integrated with Paraşüt API (`parasut.ts`).
- Customers can fetch their invoices and use them as collateral for instant loans.

## 3. Technical Stack & Integrations

- **Frontend**: React, Tailwind CSS, Lucide Icons, Framer Motion for animations.
- **Backend**: Next.js Server Actions for all data mutations.
- **Database**: PostgreSQL with Prisma. Schema includes `User`, `Check`, `Offer`, `Firm`, `Bank`, `Transaction`, `Notification`, and `ESGReport`.
- **Integrations**:
  - **PayTR**: Payment gateway for premium features and subscriptions.
  - **NetGSM**: SMS gateway for OTP and notifications.
  - **Findeks**: Real-time credit reporting.
  - **Paraşüt**: E-invoice data synchronization.

## 4. AI & Data Intelligence

- **Findeks SpeedCharts**: High-fidelity visualization of credit health using SVG gauge components.
- **Auto-Offer Engine**: Matching logic that notifies firms based on their predefined investment criteria.
- **ESG Engine**: Analyzes business data to provide sustainability scores, helping firms make "green" financing decisions.
- **Support Chatbot**: Context-aware AI assistant using RAG (Retrieval-Augmented Generation) to guide users through the complex factoring process.

## 5. Security & Compliance

- **BDDK Compliance**: Adherence to Turkish banking regulations for digital factoring.
- **Data Privacy**: Encrypted data storage and secure API communication.
- **Role-Based Access Control (RBAC)**: Strict middleware-level checks for all protected routes.

## 6. API & Navigation for LLMs

- **Core Products**: 
  - [Check Factoring](/cek-faktoring)
  - [Note Discounting](/senet-iskonto)
  - [E-Invoice Financing](/e-fatura-finansmani)
- **Financial Comparison**: 
  - [Loans](/krediler) (Consumer, Housing, SME)
  - [Credit Cards](/kredi-kartlari)
  - [Investment](/mevduat-yatirim)
- **Directories**: 
  - [Factoring Firms](/faktoring)
  - [Bank List](/bankalar)
- **User Portals**: 
  - [Portfolio & Scoring](/portfoyum)
  - [Quick Application](/basvuru)
- **Metadata**: [sitemap.xml](https://cekfaktoring.com/sitemap.xml), [robots.txt](https://cekfaktoring.com/robots.txt).

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*Last Updated: April 2026*