Adebayo-jzs/koloflow — reverse-engineered prompt

I want this turned into a working web app for running contribution groups and community organizations like cooperatives, ajo or esusu groups, churches, estates, and alumni associations.

The main admin experience should let an organization create members, automatically give each member a dedicated virtual bank account, track what each person owes, record incoming payments through Nomba webhooks, apply payments to the oldest outstanding dues first, keep any extra as member credit, and show a clear recent transaction feed. Admins should also be able to look up a bank account, confirm a payout, and send money out.

Please also finish the missing member side so each member can sign in and see their balance, payment history, dues, credit, and account details. Add basic auth so the app is not open to everyone, generate downloadable receipts from payments and allocations, and add simple dashboard analytics for organization totals and trends.

Keep the current data model and payment flow intact, and look up current Nomba docs online if you need to.