VendorFlow: A Mobile-First, Event-Sourced Digital Ledger Architecture for India's Informal Retail Credit Ecosystem

This paper has presented VendorFlow, a commercial operating system that reconceptualizes informal retail credit management through the lens of structured, event-sourced, multi-tier web architecture. By replacing the linear paper ledger paradigm with an event-sourced transaction log served through Bounded Commercial Universes (vendor-isolated contexts), the system directly addresses the four structural failure modes—context amnesia, reliability decay, role confusion, and context pollution—that constrain conventional manual ledger systems. The event-sourcing data model provides a principled foundation for auditability and point-in-time balance reconstruction. The database-trigger-based reputation scoring eliminates role confusion through architectural specialization, achieving sub-6 ms execution latency. The dynamic context assembly pipeline ensures each analytical operation receives maximally relevant, minimally polluted commercial context. Together, these contributions constitute a meaningful step toward web-based systems capable of supporting sustained, complex commercial credit relationships in India's informal economy at scale. Performance evaluation established baseline metrics under Slow 4G conditions (Lighthouse score 60, FCP 4.7 s, LCP 9.1 s, CLS 0) and identified actionable optimization targets. Future work addresses lazy-loading optimizations, empirical calibration of the reputation classifier against longitudinal payment outcome data, and evaluation of WhatsApp Business API integration for automated reminders.

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