BYLD Wealth — byld-mia Service Blueprint

Domain Model

Chat Aggregates

«Aggregate Root» ChatSession

- id : SessionId PK

- userId : UserId

- mode : MIAMode {WEALTH, MARKETS}

- messages : List<Message>

- context : SessionContext

- tokenCount : int

- model : ModelTier

- createdAt : Instant

+ addMessage(msg) : void

+ routeModel() : ModelTier

+ summarize() : String

+ exceedsContextWindow() : bool

«Abstract» Message

- id : MessageId

- role : Role {USER, ASSISTANT, SYSTEM, TOOL}

- content : String

- timestamp : Instant

- tokens : int

UserMessage

- intent : Intent

- chips : List<Chip>

AssistantMsg

- citations : List<Cite>

- toolCalls : List<Tool>

ToolResult

- toolId : String

- output : JSON

«Value Object» SessionContext

- userProfile : UserSnapshot

- portfolio : PortfolioSnapshot

- ipsProfile : IPSSnapshot

- activeGoals : List<GoalSnapshot>

- tier : Tier

WEALTH

Warm gold avatar

Advisory, goals, KYC

MARKETS

Sharp green avatar

Stocks, news, trades

RAG Pipeline

Retrieval-Augmented Generation Flow

User Query

"How is my SIP performing?"

Intent Classifier

Rule + LLM hybrid

Embed Query

text-embedding-3-small

Vector Search

Pinecone | top-k=5

Context Assembly

System prompt + user context
+ RAG chunks + tool defs

Claude API

tool_use | streaming SSE
Sonnet 4 (default)

Safety Pipeline

4-stage chain
(see bottom-left)

Stream Response

SSE → Kotlin CMP client
Token-by-token

User Input

Domain/Business

Data/Embedding

External Service

Security/Safety

Infrastructure

Events/Async

Tool Execution Flow (tool_use)

Claude tool_use

Model outputs JSON tool call:
get_portfolio_summary
create_sip
calculate_goal

Confirmation Gate

Read-only tools: auto-approve
Write tools: user confirmation
Financial ops: biometric verify

Biometric required for > ₹50,000

Spring Command

Dispatched as domain command
to target microservice via
gRPC / REST internal API

Kafka Event

byld.mia.events
byld.sip.events
byld.order.events

Tools are defined as JSON Schema in system prompt. Claude decides when and which tool to invoke. Human-in-the-loop for all write operations.

Model Routing

Multi-Model Strategy

Model	Use Case	Latency	Cost/Query
Haiku 3.5	FAQ, navigation, simple lookups, chip generation	~200ms	~$0.001

Sonnet 4	Portfolio analysis, goal planning, tax Q&A, rebalance explain	~1.2s	~$0.012

Opus 4	Complex multi-step advice, estate planning, tax optimization	~3s	~$0.10

Routing Decision Tree

if intent in [FAQ, NAV_CHECK, NAVIGATE]
  → Haiku
elif intent in [ANALYSIS, GOAL, REBALANCE]
  → Sonnet
elif intent in [ESTATE, TAX_OPT, COMPLEX]
  → Opus
elif tier == LEGACY
  → Opus (always premium)

$0.03

Avg cost / conversation

1.8s

Avg TTFT (time to first token)

94%

Queries on Haiku/Sonnet

Safety Pipeline

4-Stage Response Processing Chain

PII Redaction

Detect & mask Aadhaar, PAN,
phone, account numbers
in both input & output

Compliance Filter

Block guaranteed returns,
ensure SEBI disclaimer,
past performance caveat

Hallucination Guard

Verify NAV / return claims
against ground truth data.
Flag unverifiable assertions

Citation Extractor

Extract data sources,
attach fund factsheets,
link to Morningstar pages

Blocked Patterns

"guaranteed returns" | "risk-free" | "assured profit"
"you should buy" (without disclaimer) | personal tax advice
Aadhaar regex: \d{4}\s?\d{4}\s?\d{4}

Auto-Appended Disclaimers

"Mutual fund investments are subject to market risks."
"Past performance does not guarantee future results."
"This is not personal tax/legal advice."

byld.mia.events/MessageSent byld.mia.events/PIIDetected byld.mia.events/ComplianceBlocked byld.mia.events/HallucinationFlagged byld.mia.events/ToolInvoked byld.mia.events/FeedbackReceived

REST + WebSocket API

POST /api/v1/mia/sessions
Create new chat session
POST /api/v1/mia/sessions/{id}/messages
Send message (returns SSE stream)
GET /api/v1/mia/sessions/{id}
Get session history
POST /api/v1/mia/tools/{id}/confirm
Confirm tool execution
POST /api/v1/mia/feedback
Thumbs up/down + reason

SSE Events:
event: token | data: {"t":"Hello"}
event: tool_use | data: {"name":"..."}
event: done | data: {"tokens":142}
event: error | data: {"code":"SAFETY"}

Architect's Notes

MIA is the crown jewel. It is the primary interaction layer for the entire platform. Every other service is, in a sense, a "tool" that MIA can invoke on the user's behalf.

RAG over Pinecone ensures MIA's answers are grounded in real portfolio data, fund factsheets, and regulatory docs -- not hallucinated.

Safety Pipeline is non-negotiable for SEBI compliance. No financial AI can make "guaranteed return" claims.

Confirmation Gate is the ethical boundary. MIA suggests; the human decides. Biometric for >50K ensures no accidental large transactions.

"The AI is the adapter, not the domain.
The domain rules stand with or without it."