Insights

Customer Success Stories

Casestudy

High Level Architecture

3 Functional Layers will define the Application

  • Presentation : End user Apps
  • Business Logic : KYC, Order, inventory management, Market feed
  • Payment : Transactions and Settlement (Including physical delivery)

Data Layer

  • Transactional & operational Data
  • Distributed Ledger for Gold Certificate
  • MIS / Datawarehouse

Non Functional Layers

  • Security : Data, Network, Server
  • Audit : Govt Compliance and Process
  • Risk monitoring & Management:

Detailed processes

Presentation Layer

Components Functionalities
End User Apps (Web and Mobile)

Facilitate user to perform

  1. User profile creation and update
  2. eKYC
  3. Add money to wallet
  4. Invest in gold
  5. Sell gold
  6. Withdraw money
  7. Track investment and order physical delivery

Business Logic Layer

Components Functionalities
Back end processing
  1. User profile management
  2. Third party integration for KYC and Risk scoring(if any)
  3. Order Management for investment
  4. Feed integration for exchange data
  5. Integration with Exchange and Govt Depositories

Payment Layer

Components Functionalities
Payment Gateway Integration
  1. Integration of Stripe for enabling payments to invest in gold
  2. Integration of payment gateway with internal reconciliation and accounting system
  3. Audit reporting

Data Layer

Components Functionalities
Database Database for Transactional System Database for Downstream Systems e.g. MIS, Regulatory Reporting etc
Distributed Ledger To hold the Certificate against investment
Datawarehose For Future AI/ML ops

Security Layer

Components Functionalities
Network
  1. End to end encryption for APIs and Network data transmission
Server
  1. Server security against threats e.g. DDoS, Code/SQL injection, Vulnerability & Penetration etc.
Data
  1. Confidentiality : Encryption, Access control, redaction
  2. Integrity : Hashing, Digital Signature, Log
  3. Availability : Redundancy and disaster recovery, Load Balancing

Audit & Compliance Layer

Components Functionalities
Compliance
  1. Audit for process compliances
  2. Audit for regulatory compliance

AI can also be applied for Audit
Risk Monitoring
  1. Risk monitoring and reporting

About us

Team

Functional Expertise

  • Leadership team is having avg 25+ years of global experience in Finance –Lending, Risk, Investment and Payment,
  • Experience of creating Financial platforms (Digital) and products

Technical Expertise

  • Enterprise Architecture
  • Digital Product Design and build
  • AI/ML and Data Science

Educational profile

  • Team of Alumni from IIT, IIM and global B-Schools

Prior relevant work

Martrust

  • LA global maritime financial services company which delivers payment solution to maritime industry. The platform is used by over 250 corporate customers managing $12 bn payments.

Digital Lending platform*

  • An end to end platform to manage full cycle from Loan origination to Loan management. In just 2 years it is disbursing loans of INR 100Cr value annually. AI enablement in Credit Scoring , Collection Analytics and Audit/compliance

B2C FinTech product into equity investment*

  • A solution for retails investors including their on-demand educational portal. Platform also Integrates seamlessly with popular brokerages and data providers. Having presence in US & Europe with around