Retail Investment Fund Platform
Mobile-first investing: complete identity verification, get approved, put money into managed funds with a stated return, and watch profit accrue into an in-app wallet.
Problem
An investment business wanted retail customers to be able to put money into managed funds from a phone. That means identity verification with a human approval step, a wallet tracking contributions and accrued profit separately, and enough rigour that an amount is never wrong.
Approach
Built the verification and approval flow as an explicit gate, so no money moves before an admin has approved an identity. Funds carry a stated return percentage, investments accrue profit into a wallet, and every balance movement is a ledger entry rather than a field being edited.
Outcome
A complete retail investment flow from identity verification to profit accrual, with money handling that can be reconciled rather than trusted.
How it's built
Verification approval gates every money path. Wallet balances are derived from ledger entries, so a balance can always be recomputed from its history.
Ledger entries rather than editable balance fields
A balance you can edit is a balance you cannot audit. Deriving it from an append-only history means any discrepancy has a traceable cause.
More writes and a computed read, in exchange for being able to answer where a number came from.
Adjacent systems
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Two-sided marketplace for architecture and design work: the platform holds the money until delivery is confirmed, with bidding happening in real-time chat.
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A three-sided digital marketplace: a supplier catalogue of tens of thousands of listings, kept in sync, priced in local currency, sold through a payment gateway with automated key delivery.
Vehicle Rental Platform
Rent a scooter or e-bike from an app: scan the QR, the physical lock opens over cellular, ride, park in a permitted zone, pay by the minute from a prepaid wallet.