TON-Specific Integration

Localcredit is deeply integrated with the TON ecosystem, making it the fastest and most seamless environment for building Telegram Mini Apps and TON-native dApps. The JavaScript/TypeScript SDK automatically detects TON and uses TON Connect for wallet interactions, while on-chain queries use native TON smart contracts.1. Telegram Mini App Integration (Recommended Path)Use the same @localcredit/sdk-js package – it handles TON Connect automatically in Mini App environments.Installation (same as web)bash

npm install @localcredit/sdk-js

Full Example in a Telegram Mini Apptypescript

import { Localcredit } from '@localcredit/sdk-js';
import { TonConnectUIProvider, useTonConnectUI } from '@tonconnect/ui-react';

// Wrap your app with TonConnect provider (standard for TON Mini Apps)
function App() {
  return (
    <TonConnectUIProvider manifestUrl="https://yourapp.com/tonconnect-manifest.json">
      <LocalcreditDashboard />
    </TonConnectUIProvider>
  );
}

function LocalcreditDashboard() {
  const [tonConnectUI] = useTonConnectUI();

  // Initialize Localcredit with optional pre-connected TON UI
  const lc = new Localcredit({
    apiKey: 'your_api_key',
    tonConnectUI: tonConnectUI // passes existing connection
  });

  const handleCheckScore = async () => {
    try {
      const userProof = await lc.requestProof(); // uses connected TON wallet
      const result = await lc.getScore(userProof);

      alert(`Your Localcredit score: ${result.score}`);
      // Update UI with result.riskTier, result.creditLimitUsd, etc.
    } catch (error) {
      if (error.code === 'NO_SCORE') {
        // Redirect to official Localcredit Mini App for onboarding
        await lc.redirectToOnboarding({
          returnUrl: 'yourminiapp://return', // or use Telegram deep link
          appId: 'your_lending_app'
        });
      }
    }
  };

  return (
    <button onClick={handleCheckScore}>
      Check Localcredit Score
    </button>
  );
}

The SDK detects the Telegram environment and uses native TON Connect modals for the best user experience.2. On-Chain Queries with TON Smart ContractsFor fully decentralized TON dApps, query scores directly via the Localcredit Oracle contract (written in FunC/Tact).Contract Interaction Example (using@ton/core and ton-contracts)typescript

import { TonClient, WalletContractV4, internal } from '@ton/ton';
import { mnemonicToPrivateKey } from '@ton/crypto';

// Localcredit Oracle address (mainnet)
const ORACLE_ADDRESS = 'EQ...'; // will be published at launch

async function queryScoreOnChain(userProof: string) {
  const client = new TonClient({ endpoint: 'https://toncenter.com/api/v2/jsonRPC' });
  
  // Send query message with $CREDIT fee
  const queryMsg = {
    proof: userProof,
    callbackAddress: yourContractAddress // where result will be sent
  };

  // Pay oracle fee in $CREDIT (via Jetton transfer or native TON)
  await wallet.sendTransfer({
    seqno: await wallet.getSeqno(),
    messages: [internal({
      to: ORACLE_ADDRESS,
      value: '0.5', // TON for gas + fee
      body: localcreditQueryBody(queryMsg)
    })]
  });

  // Oracle will callback with score
}

3. Handling Callbacks (Score Fulfillment)Your contract receives the score via an incoming message from the oracle.Tact Pseudocode (receiver)tact

receive("score_fulfillment") {
  require(sender() == oracleAddress, "Unauthorized");
  
  const score = msg.score;
  const riskTier = msg.riskTier;
  
  // Apply to borrower logic
  if (score >= 80) {
    maxBorrow[borrower] = 10000 * 1e9; // higher limit in nanoTON
  }
}

TON-Specific Benefits

• Lowest fees: Queries cost fractions of a TON.

• Native wallet experience: No external extensions needed – users stay inside Telegram.

• Instant redirects: Deep linking to@LocalcreditBotis seamless.

• Future Jetton support: Stake and pay fees directly with $CREDIT Jetton.