BYLD Wealth — Executive Dashboard (Light)

Key Performance Indicators

₹1.27 Cr

In-House Dev Cost (Y1)

▼ 49% vs Yottix

126

Features in Phase 1

+17% vs Yottix 108

4.5 mo

Time to Production

1.5mo faster

7

Compliance Frameworks

Security from Day 1

Cost Comparison

In-House

₹1.27 Cr

WINNER

Yottix

₹2.50 Cr

Saves ₹1.23 Cr annually (dev cost only, common costs excluded)

Sprint Timeline — 14 Weeks to Production

S1
W1-2

Auth + MIA Shell + CI/CD

S2
W3-4

KYC (MIA-driven) + Notifications

S3
W5-6

AA + Portfolio + Risk Profiler + Goals

S4
W7-8

Advisory + MF (MFU) + Blostem FDs

S5
W9-10

Insurance + Loans + Markets + VAPT

◆ BETA

S6
W11-12

Payments + Tax + Compliance Hardening

S7
W13-14

Dashboard + Website + Launch

◆ PROD

COMPLIANCE TRACKS

🔒 Security

S1 → S7 Continuous (SAST/SCA from Day 1, VAPT at S5)

📋 SEBI RIA

S2

S4

S6 (Filing)

🛡️ DPDP Act

S2 Consent

S5 Residency

S7 Full

🤖 DPI / NITI AI

S3 MIA Safety

S5 Eval

S7 103/110

🏦 RBI AA

S3 Consent Lifecycle

Integration Map

Full implementations we build vs intent-capture partner redirects

Full Implementations (6)

MFU Central

Full MF transactions: buy, sell, SIP, STP, SWP, switch

Morningstar

Fund ratings, NAV, factsheets, X-ray, scheme comparison

Finvu AA

Account Aggregator: consent, FIP selection, portfolio sync

Claude API (MIA)

AI chatbot: RAG, tool execution, dual persona, safety pipeline

Gupshup

SMS OTP, WhatsApp notifications, push alerts

Razorpay

Payment gateway, subscriptions, e-mandates

Intent + Redirect — 70% Less Effort (5)

Ditto Insurance

We build: needs quiz + gap calc. Ditto: recommendation via Calendly

Blostem FDs

We build: API discovery, whitelabelled listing. Blostem: execution

Loan Partners

We build: eligibility quiz (AA data). Partner: processing + disbursal

Willjini (eWills)

We build: intent registration. Willjini: creation + legal execution

PMS / AIF

We build: exploration + suitability. Partner: portfolio management

Regulatory Compliance Matrix

Regulation	Requirement	Sprint Gate	Status
SEBI RIA (INA000014252)	Advisory disclaimers, fiduciary duty, 7-year audit trail	S2, S4, S6	Built-in
AMFI ARN (ARN-149832)	MF distributor compliance, riskometer display	S4	Built-in
DPDP Act 2023	Consent (Sec 4-7), correction (12), erasure (13), cross-border (16)	S2, S5, S7	11/11 sections
DPI / NITI Aayog AI	Transparency, accountability, safety, human values	S3, S5, S7	103/110 (93.6%)
RBI AA Framework	Consent artifacts, FIP/FIU protocols, revocation lifecycle	S3	Compliant
UIDAI Regulations	Aadhaar eKYC verbatim consent, data masking	S2	Compliant
IRDAI (via Ditto)	Insurance distributor compliance	S5	Partner-managed
PCI DSS (via Razorpay)	Payment card security, SAQ-A	S6	Partner + SAQ-A

Security Architecture — Built In, Not Bolted On

🔐

PII Protection

Sprint 1-2

Centralized tokenization vault
Field-level AES-256-GCM
Aadhaar masking (UI + logs)
Conversation PII scrubbing
DPDP Sec 8 fiduciary controls

🤖

MIA AI Safety

Sprint 3-5

4-layer safety pipeline
Prompt injection defense
Cryptographic confirmation
RAG content signing
200+ adversarial prompt tests

📝

Audit Trail

Sprint 3+

Immutable append-only log
Hash chain (tamper-evident)
WORM storage (7-year SEBI)
Advisory conversation archived
DPDP consent logging

🌐

Data Residency

Sprint 5

DPDP Sec 16 legal opinion
Anthropic DPA signed
AWS ap-south-1 enforced
SEBI cloud outsourcing filed
Cyber insurance active

Team & AI Velocity

Head of Engineering
Architecture + AI Agent Orchestration

Backend Dev 1

Java 21 + Spring Boot

₹30L/yr

Backend Dev 2

Java 21 + Spring Boot

₹30L/yr

Android Dev

Kotlin + Compose

₹30L/yr

iOS Dev

SwiftUI

₹30-35L/yr

Common (both options): QA + PM + DevSecOps

2.5x

avg multiplier

4 Actual Developers4.0 FTE

+ AI Code Gen (2.5x)+6.0 FTE

+ AI Architecture+1.0 FTE

+ AI QA / DevOps / Docs+1.3 FTE

Effective Output12.3 FTE

297

HTML screens

40K+

Arch doc lines

B+

FAANG grade

91/100

Design audit

Build In-House