HTTPS | mTLS
HTTPS | OAuth2.1
REST | JSON | p99<200ms
WebSocket | Binary | p99<50ms
REST | ISO-20022 | p99<3s
ReBIT v2 | JSON | p99<2s
REST + Webhooks | JSON
FIX 4.4 | Binary | p99<100ms
XML | OAEP | p99<5s
REST | JSON | p99<1s
SSE + tool_use | JSON
REST | JSON | p99<500ms
REST + Calendly | p99<1s
Compliance reporting
BYLD
Wealth Platform
Java 21 + Spring Boot 3.4
10 Microservices | K8s
USERS
HNI Families
iOS / Android | Kotlin CMP
RIA Advisors
Web | Next.js 15
DATA PROVIDERS
📊
Morningstar
Fund ratings, NAV data, category benchmarks, portfolio analytics
REST | JSON | OAuth2
SLA: 99.9% | p99 < 200ms
📈
NSE / BSE
Real-time market feeds, tick data, corporate actions, indices
WebSocket | Binary Frames
SLA: 99.95% | p99 < 50ms
FINANCIAL INFRASTRUCTURE
🏦
MFU Central
Mutual fund orders, SIP registration, switch/STP, CAN management
REST | ISO-20022
SLA: 99.5% | p99 < 3s | Cut-off 15:00 IST
🔍
Finvu (AA)
Account Aggregator consent, FI fetch, balance/transaction data
ReBIT v2 | JWS
SLA: 99.0% | p99 < 2s
💳
Razorpay
UPI mandates, eNACH, payment collection, refunds, settlements
REST + Webhooks | JSON
SLA: 99.95% | p99 < 800ms
📡
Partner Broker
Equity/F&O order routing, market data, positions, holdings
FIX 4.4 | Binary
SLA: 99.9% | p99 < 100ms
IDENTITY & KYC
🎯
UIDAI (Aadhaar)
eKYC authentication, biometric verification, XML eSign
XML | OAEP Encryption
SLA: 99.0% | p99 < 5s
📋
KRA (CAMS/KFintech)
KYC status check, PAN validation, FATCA verification
REST | JSON
SLA: 99.5% | p99 < 1s
AI BACKBONE
🧠
Claude API
MIA brain — advisory reasoning, goal planning, conversational UX, tool orchestration
SSE + tool_use | JSON
Budget: 2s/turn | Haiku / Sonnet / Opus
PARTNERS
📜
Willjini
eWill creation, estate planning, succession templates
REST | JSON
SLA: 99.0% | p99 < 500ms
🛡️
Ditto Insurance
Term/health quotes, policy issuance, Calendly scheduling
REST + Calendly Webhook
SLA: 99.5% | p99 < 1s
REGULATORY COMPLIANCE
DPDP Act
Data Protection 2023
Software Craftsman's Note
Anti-Corruption Layer (ACL) at every external boundary. No domain model leaks into or from third-party systems. Each integration has its own adapter translating between BYLD's ubiquitous language and the external protocol.
-- Domain-Driven Design, Eric Evans (2003)