BYLD Wealth — Product & Tech Roadmap

4-Phase Development Timeline · 5 Developers + AI · 12-Month Product Roadmap
March 2026 · Confidential
LEGEND:
Phase 1 — MVP
Phase 2 — Growth
Phase 3 — Scale
Phase 4 — Maturity
Milestone
Gantt Timeline — Weeks 1 to 40+
WORKSTREAM
W1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
PHASE 1 — MVP
Alpha W6
Beta W10
MVP Launch W12
Sprint 1–2: Foundation
Gateway + Identity + Payments
Sprint 3–4: Core Flows
KYC + AA + Portfolio + MIA
Sprint 5–6: Investment
Distribution + SIP + SEBI + Beta
EKS + Terraform + CI/CD
Mobile (KMP)
PHASE 2 — Growth
10K Users W24
Markets Mode
Partner broker integration
Loans (Andromeda)
NBFC partner loans
Insurance (Ditto)
Full insurance integration
Tax Compliance
Tax module + Hindi i18n
PHASE 3 — Scale
Full Platform W36
Global Investing (Kristal.ai)
Cross-border MF/ETF
WhatsApp Bot
MIA on WhatsApp
Advanced Analytics
Family office + SmallCase
PHASE 4 — Maturity
Video KYC + Voice MIA
Next-gen UX
Multi-tenant (RIA SaaS)
PMS/AIF direct
MVP Sprint Breakdown (Phase 1)
Sprint 1–2 Weeks 1–4 · Foundation
  • Service scaffolding: all 8 MVP services (AI generates)
  • EKS cluster + RDS + MSK + Redis via Terraform
  • CI/CD pipelines per service (GitHub Actions)
  • byld-gateway: routes, rate limiting, JWT
  • byld-identity: OTP auth, JWT issuance, KYC state machine
  • Kafka topic creation, event envelope
  • Mobile: Onboarding screens (phone, OTP, MIA setup)
  • Web: Landing page (SSR)
Sprint 3–4 Weeks 5–8 · Core Flows
  • byld-identity: Aadhaar eKYC (DigiLocker), Finvu AA
  • byld-advisory: IPS questionnaire, BYLD Score calc
  • byld-portfolio: Holdings import (AA), read model
  • byld-mia: Claude API, basic chat, 2 tools
  • byld-payments: Razorpay tier subscription
  • Kafka sagas: UserRegistered, KYCCompleted events
  • Mobile: KYC, AA, IPS flows
  • Distributed tracing: X-Ray + Micrometer
Sprint 5–6 Weeks 9–12 · Investment + Polish
  • byld-distribution: Morningstar ACL, MFU SIP placement
  • byld-mia: SIP, fund search, goal tools
  • byld-advisory: Goal tracking, rebalancing recs
  • byld-portfolio: CQRS dashboard read model
  • byld-payments: SIP mandate, subscription gating
  • SIP Execution Saga: end-to-end
  • Mobile: Dashboard, MIA chat, fund browse, SIP
  • Security hardening + SEBI compliance + Production deploy
Post-MVP Phases
Phase 2 — Growth
Weeks 13–24 · Month 4–6
  • Markets mode (partner broker)
  • Loans via Andromeda
  • Insurance (Ditto full)
  • Tax compliance module
  • Hindi + regional language
Phase 3 — Scale
Weeks 25–36 · Month 7–9
  • Global investing (Kristal.ai)
  • WhatsApp Bot (MIA)
  • Advanced analytics
  • Family office features
  • SmallCase integration
Phase 4 — Maturity
Weeks 37+ · Month 10–12
  • Video KYC
  • Voice MIA
  • Multi-tenant (other RIAs)
  • PMS/AIF direct integration
  • Istio service mesh
Key Milestones
Decision gates & targets
  • W6: Alpha — internal testing
  • W10: Beta — 100 users
  • W12: MVP Launch
  • W24: 10K users target
  • W36: Full platform live