BYLD Wealth — Executive Dashboard

Build vs. Buy Decision & Execution Summary
March 2026
Key Performance Indicators
₹1.27 Cr
In-House Dev Cost
126
Features in Phase 1
4.5 mo
Time to Production
49%
Cost Savings vs Yottix
Cost Comparison
In-House
₹1.27 Cr
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
S2
W3–4
KYC + Notifications
S3
W5–6
AA + Portfolio + Goals
S4
W7–8
Advisory + MF + FDs
S5
W9–10
Insurance + Loans + MarketsBETA
S6
W11–12
Payments + Tax + Compliance
S7
W13–14
Dashboard + Website + PRODPROD

Compliance Track

🔒 Security from Day 1
📋 SEBI RIA Compliance
S2
S4
S6
🛡️ DPDP Act
S2
S5
S7
🤖 DPI / Responsible AI
S3
S5
S7
🏦 RBI AA Framework
S3
Integration Map

Full Implementations

MFU Central
MF transactions
Morningstar
Fund data
Finvu AA
Portfolio sync
Claude API
MIA chatbot
Gupshup
Notifications
Razorpay
Payments

Intent + Redirect

Ditto Insurance
Calendly redirect
Blostem FDs
Whitelabelled
Loan Partners
Lead gen
Willjini
eWills
PMS / AIF
Exploration
Compliance & Regulatory Matrix
Regulation Requirement Sprint Gate Status
SEBI RIAINA000014252 Advisory disclaimers, fiduciary duty, 7-year audit trail S2, S4, S6 Built-in
AMFI ARNARN-149832 MF distributor compliance, riskometer display S4 Built-in
DPDP Act 2023 Consent management, data correction, erasure, cross-border S2, S5, S7 11/11 sections
DPI / NITI Aayog AI Transparency, accountability, human values, safety S3, S5, S7 103/110 (93.6%)
RBI AA Framework Consent artifacts, FIP/FIU protocols, revocation S3 Compliant
UIDAI Regulations Aadhaar eKYC consent (verbatim), data masking S2 Compliant
IRDAIvia Ditto Insurance distributor compliance (partner handles) S5 Partner-managed
PCI DSS Payment card data (Razorpay handles, we do SAQ-A) S6 Partner + SAQ-A
Security Architecture
🔐

PII Protection

  • Tokenization vault
  • Field-level encryption
  • Conversation PII scrubbing
🤖

MIA Safety

  • Prompt injection defense
  • Cryptographic confirmation
  • RAG content signing
  • 4-layer pipeline
📝

Audit Trail

  • Immutable append-only
  • Hash chain
  • WORM storage
  • 7-year SEBI retention
🌐

Data Residency

  • DPDP Sec 16 compliant
  • Anthropic DPA
  • ap-south-1 enforcement
Team & AI Velocity

Engineering Team

Head of Engineering
Dev 1
Dev 2
Dev 3
Dev 4

AI Velocity Multiplier

2.5x
AI-Augmented Development
12.3 effective FTEs
297
Screens Designed
40K+
Arch Doc Lines
B+
Quality Grade
91/100
Design Score
Recommendation
BUILD IN-HOUSE
Full product in 4.5 months  |  49% cheaper  |  100% IP  |  Security from Day 1
₹1.23Cr
Saved
126
Features
4.5mo
To Prod
12.3
Effective FTEs
100%
IP Ownership