BYLD Wealth — Executive Product Dashboard

SEBI RIA INA000014252 · AMFI ARN-149832 · Confidential
FAANG Panel: B+ Investor: Conditional Fund Audit V7: 91/100 March 2026
A · Product Overview
Prototype Screens
208
+ 67 arch/brand/marketing
Product Features
75
Across 10 microservices
PRD Coverage
88%
51/58 FRs covered
User Flows
8
End-to-end journeys
CEO Comments
5/7
Addressed (2 partial, 3 full)
Design Audit
91
V7 consolidated score
B
Feature Matrix by Phase
Phase Features Timeline Status Key Items
MVP 55 Sprints 1–6 (12 wks) In Design Onboarding, KYC, AA, IPS/BYLD Score, MIA AI, MF Distribution, Payments, Notifications
Phase 2 19 Sprints 7–12 Planned Markets, Loans (Andromeda), Insurance (Ditto), Tax Compliance, Hindi i18n
Phase 3 13 Sprints 13+ Backlog WhatsApp Bot, Video KYC, Voice MIA, SmallCase, Advanced Analytics
10 MICROSERVICES (1 per bounded context)
byld-gateway
API routing, auth
byld-identity
KYC, AA, RBAC
byld-advisory
IPS, BYLD Score
byld-portfolio
Holdings, CQRS
byld-mia
Claude AI, Tools
byld-distribution
MF orders, SIP
byld-markets
Equities, Broker
byld-payments
Razorpay, Tiers
byld-notifications
Push, Email, SMS
byld-estate
eWills, Legacy
C
Technology Stack
BACKEND
Java 21Language
Spring Boot 3.4 LTSFramework
Spring Cloud GatewayAPI
PostgreSQL 16DB
Kafka (MSK)Events
RedisCache
CLIENT
Kotlin CMPMobile
Compose UIAndroid+iOS
Next.js 15Web
AI & CLOUD
Claude APIHaiku/Sonnet/Opus
AWS EKSMumbai
TerraformIaC
HelmK8s
ARCHITECTURE
Clean ArchitectureUncle Bob
DDDBounded Contexts
CQRSPortfolio reads
SagaSIP execution
PARTNERS
MorningstarFund data
MFU CentralMF orders
FinvuAA
RazorpayPayments
DittoInsurance
WilljinieWills
D
Team & Capacity
B1
Backend Dev 1
byld-identity · byld-payments · byld-notifications · byld-estate
B2
Backend Dev 2
byld-advisory · byld-portfolio · byld-distribution
B3
Backend Dev 3
byld-mia · byld-markets · byld-gateway
M1
Mobile Dev 1
Onboarding, KYC, AA, IPS, Fund browse, SIP flow
M2
Mobile Dev 2
Dashboard, MIA chat, Portfolio, Markets, Settings
⚡
AI-Accelerated Development
Claude Code handles: scaffolding, adapter layers, JPA repos, tests, IaC, CI/CD. Humans focus on domain logic, prompt engineering, and architecture decisions.
E
Key Metrics & Unit Economics
TIER PRICING (Annual + GST)
TIER
PRICE/YR
TYPE
Master
Free
Freemium
BYLD One
₹3,650
Entry paid
BYLD Core
₹9,125
Mid-tier
BYLD Edge
₹18,250
Premium
BYLD Legacy
₹36,500
Family Office
OPERATING COSTS (at 10K users)
AWS Infrastructure (EKS, RDS, MSK) ~$3,328/mo
MIA AI (Claude API, 25% active) ~$1,295/mo
MIA cost per active user ~$5.18/user/mo
BREAK-EVEN ANALYSIS
~2,000 paid users at BYLD One tier
Target: 10,000 users Year 1 · ₹2,400 Cr AUA
!
PRD Gap Summary — 14 Screens to Build
P0 Compliance: 2 screens
P1 Business: 4 screens
P2 Feature: 8 screens
P0: SEBI Compliance
FR-40: Advice classification label
FR-52: Distribution MIA restrictions
P1: CEO Requirements
FR-53: AI query limits
Cost-benefit analysis
P1: Business
Distribution summary share
Affordability calculator
P2: Feature Complete
Fee proration, KYC audit, Face ID, Insurance gaps, PMS/AIF tracking, KYC nudge, Free trial