> ## Documentation Index
> Fetch the complete documentation index at: https://docs.earthcoop.ir/llms.txt
> Use this file to discover all available pages before exploring further.

# NajmBahar: Integrated Finance for Cooperative Groups

> NajmBahar is EarthCoop's built-in financial system for peer transfers, sub-accounts, membership fee payments, and cooperative project investments.

NajmBahar is the integrated financial system built directly into EarthCoop. Rather than relying on external payment processors or third-party wallets, every member gets a dedicated NajmBahar account the moment they accept the platform agreement. From that single account you can hold a balance, send funds to any other member, organise money into purpose-specific sub-accounts, pay your annual membership fee, and invest in cooperative projects — all without leaving the platform.

## What NajmBahar gives you

NajmBahar combines several financial capabilities in one place:

<CardGroup cols={2}>
  <Card title="Wallet & balance" icon="wallet">
    Your NajmBahar account holds your balance in two tracked states: **active** funds (immediately spendable) and **faded** funds (held for cooperative purposes). Your dashboard shows both at a glance.
  </Card>

  <Card title="Peer-to-peer transfers" icon="arrow-right-arrow-left">
    Send funds directly to any other member or group by entering their sub-account code. Transfers settle immediately or can be scheduled for a future date you choose.
  </Card>

  <Card title="Sub-accounts" icon="layer-group">
    Create named sub-accounts under your main account to separate pools of money — for example, a group investment fund kept apart from personal funds.
  </Card>

  <Card title="Membership fee payments" icon="id-card">
    Pay your annual EarthCoop membership fee straight from your NajmBahar balance. The fee is automatically split between the membership pool, the insurance pool, and the burn pool at the moment of payment.
  </Card>

  <Card title="Project investments" icon="chart-line">
    Invest in cooperative projects that have been approved on the platform. Your payment flows directly through NajmBahar, and the resulting transaction record is linked to your investment for a tamper-evident payment trail.
  </Card>

  <Card title="Audit log" icon="list-check">
    Every credit, debit, transfer, fee payment, and investment is recorded in an immutable audit log. You can review the full history of your account at any time.
  </Card>
</CardGroup>

## Opening your NajmBahar account

Before you can use any NajmBahar features, you must accept the NajmBahar agreement. The system checks that your profile is complete (name, national ID, phone number, address, and experience) before allowing you to proceed. Once you accept, your main account is created automatically and an initial balance is deposited into it.

<Note>
  Your account is not fully active until you pay the annual membership fee. You can do this at any time from the **Membership Fees** section after your account is created.
</Note>

## How NajmBahar connects to projects

When a cooperative project is approved on EarthCoop, members can browse it in the **Investments** section and commit funds. Paying for an investment triggers a transfer from your NajmBahar sub-account to the project owner's account. The resulting transaction record is stored directly on your investment, giving both you and the project owner a tamper-evident link between the payment and the commitment.

Project statuses move through a defined lifecycle: draft → pending → under review → approved. Only approved projects are visible in the investment marketplace. If an admin rejects a project you submitted, you can revise it and resubmit — every review action is written to the project's review history.

## Transparent audit trail

Every action that changes a balance — including initial funding, peer transfers, sub-account moves, membership fee splits, and investment payments — is written to the NajmBahar audit log. Group actions additionally capture the actor's role within the group. This log is your single source of truth for any disputes or reconciliation needs.

<Tip>
  When you transfer funds to another member's sub-account, enter the exact sub-account code (format `XXXXXXXXXX-NNN`). The transfer form shows you a live preview of the recipient's name and account type before you confirm.
</Tip>

## Explore NajmBahar features

<CardGroup cols={3}>
  <Card title="Sub-Accounts" icon="layer-group" href="/najm-bahar/sub-accounts">
    Create separate ledgers for groups, projects, or any purpose you choose.
  </Card>

  <Card title="Transfers" icon="arrow-right-arrow-left" href="/najm-bahar/transfers">
    Send and receive funds between members instantly or on a schedule.
  </Card>

  <Card title="Membership Fees" icon="id-card" href="/najm-bahar/membership-fees">
    View, pay, and track your annual cooperative membership fee.
  </Card>
</CardGroup>