Decentralized/payment logic

[Chidubemkingsley]

Closes #381

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Description

Please provide a brief description of the changes in this pull request. Explain what the PR
accomplishes and why it is needed.

Reference Issues

Fixes # (issue number)

Type of Change

• Bug fix (non-breaking change which fixes an issue)
• New feature (non-breaking change which adds functionality)
• Breaking change (fix or feature that would cause existing functionality to not work as
  expected)
• Documentation Update

Checklist:

• My code follows the style guidelines of this project
• I have performed a self-review of my own code
• I have commented my code, particularly in hard-to-understand areas
• My changes generate no new warnings
• I have added tests that prove my fix is effective or that my feature works
• New and existing unit tests pass locally with my changes

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[Chidubemkingsley]

review and merge @StellarDevHub

[ayomideadeniran]

pr under review, if i find any wrong implementation i will notify you.

[ayomideadeniran]

pr under review, if i find any wrong implementation i will notify you.

[ayomideadeniran]

pr under review, if i find any wrong implementation i will notify you.