BYLD Wealth — C-Suite Tech & Product Showcase

BYLD WEALTH

AI-POWERED WEALTH MANAGEMENT

The Only SEBI RIA
With an AI Financial Advisor
for India's HNI Families

Dual-mode platform — fee-based advisory (BYLD Wealth) + commission-based distribution (BYLD Capital) — powered by MIA, an AI analyst that doesn't just chat, it executes: places SIPs, rebalances portfolios, completes KYC.

SEBI RIA: INA000014252

AMFI ARN: 149832

10 Microservices · Clean Architecture

208 Production Screens

01 / 10

BYLD WEALTH

India's Wealthy Families
Have a ₹200 Lakh Crore Problem

The mass-affluent segment (₹25L–₹5Cr net worth) is stuck between too-simple apps and too-expensive private banks.

PROBLEM 01

Scattered Wealth, Zero Visibility

Average HNI family holds 7+ financial products across 4+ institutions. No single view of net worth. Portfolio reviews happen once a year — if at all. Decisions are made on incomplete data.

PROBLEM 02

Tax Leakage Destroys Returns

HNI families lose 3–5% annually to avoidable taxes. No proactive tax harvesting. LTCG/STCG optimization is manual. Insurance and estate planning are disconnected from investment strategy.

PROBLEM 03

No Estate Plan, No Succession

92% of Indian HNIs have no will. Family wealth transfers fail at 70% rate by second generation. Estate planning requires coordinating 5+ professionals. Nobody does it proactively.

THE GAP

Groww Is Too Simple. Private Banks Are Too Expensive.

Groww charges ₹0 but offers zero advice. Private banks charge 1–2% AUM but are inaccessible below ₹5Cr. BYLD fills the white space: AI-powered advisory at ₹10/day.

02 / 10

BYLD WEALTH

Meet MIA — My Intelligent Analyst

Not another chatbot. An AI advisor that executes — places SIPs, rebalances portfolios, files eWills. Backed by SEBI RIA fiduciary obligation.

MIA WEALTH (GOLD AVATAR)

Fee-Based Advisory — SEBI RIA

Fiduciary duty. Direct plans only. Personalized IPS, BYLD Score, goal-linked rebalancing. MIA provides classified advice (Educational vs Personalised per SEBI IA Regulations).

MIA MARKETS (GREEN AVATAR)

Commission Distribution — AMFI ARN

Suitability standard. Regular plans. MIA explains and compares but cannot advise. Query-limited. Commission-disclosed. Perfect for self-directed investors who want AI guidance.

WHAT MIA ACTUALLY DOES

Places SIPs via MFU Central

Rebalances portfolios

Completes KYC (Aadhaar eKYC)

Links bank accounts (Finvu AA)

Calculates BYLD Score (IPS)

Tax harvesting recommendations

Insurance gap analysis

Goal progress tracking

Estate planning (Willjini)

Hindi + English + Regional

REGULATORY MOAT

Only Indian fintech with SEBI RIA + AMFI distribution under one login. Dual-mode architecture is a 12–18 month regulatory headstart.

03 / 10

BYLD WEALTH

208 Screens. 8 User Flows.
Chatbot-First Architecture.

208

Product Screens

8

User Flows

75

Features Specified

5

Pricing Tiers

8 END-TO-END USER FLOWS

1. First-time Onboarding

2. Returning User Daily

3. MIA Conversation

4. SIP Investment

5. Tier Upgrade

6. Demo / Explore Mode

7. Estate Planning

8. Tax Optimization

SCREEN COVERAGE BY CATEGORY

KYC (8)Complete

AA (8)Complete

IPS (10)Complete

MIA (7)1 gap

Invest (17)Complete

Markets (8)4 gaps

States (30)Complete

04 / 10

BYLD WEALTH

10 Microservices.
Clean Architecture. AI-Native.

FAANG-reviewed architecture (B+ composite). Database-per-service. Event-driven with Kafka. Claude API for MIA intelligence.

Client

Kotlin Compose MP

Next.js 15

iOS + Android + Web

Gateway

Spring Cloud Gateway

JWT + Rate Limiting

Circuit Breaker

Services

Java 21

Spring Boot 3.4

10 Microservices

Clean Architecture

DDD Bounded Contexts

Data

PostgreSQL 16 (per service)

Redis (cache + sessions)

Kafka MSK (events)

CQRS Read Models

AI

Claude API (Haiku/Sonnet/Opus)

Tool-Calling Agent

RAG + Prompt Cache

Semantic Cache

Infra

AWS EKS (Mumbai)

Terraform IaC

Helm Charts

GitHub Actions CI/CD

X-Ray Tracing

05 / 10

BYLD WEALTH

Partnerships Secured.
Infrastructure Ready.

10K+

Target HNI families (Y1)

₹2,400Cr

AUA target (Y1)

6

Partners secured

91/100

Design audit score

PARTNERSHIP ECOSYSTEM

Morningstar

Fund Data & Analytics

Contract Secured

MFU Central

MF Order Routing

Contract Secured

Finvu

Account Aggregator

Contract Secured

Ditto Insurance

Insurance Distribution

Partnership Active

Willjini

eWill Creation

Partnership Active

Razorpay

Payment Gateway

Standard Integration

COMPETITIVE POSITIONING

Capability	BYLD Wealth	Groww	Zerodha	CRED Money
SEBI RIA Advisory	Yes	No	No	No
AI-Native UX (MIA)	Yes	Partial	No	Partial
Tier-Based Wealth	5 tiers	No	No	No
Estate + Family	eWills, RBAC	No	No	No
Demo / Explore Mode	8 screens	No	No	Yes
Dual Mode (RIA + Dist)	Unique	Dist only	Direct only	No

06 / 10

BYLD WEALTH

Subscription + Distribution
Dual Revenue Engine

SaaS subscription tiers (advisory fee) + MF trail commissions (distribution). Two revenue streams that compound with AUA growth.

Master

Free

Forever

Limited AA, restricted MIA (5 queries), demo portfolio. Acquisition funnel.

MVP TIER

BYLD One

₹3,650

per year + GST

Full advisory, MIA unlimited, KYC, AA, goals, SIP. ~₹10/day.

BYLD Core

₹9,125

per year + GST

Tax optimization, insurance analysis, rebalancing.

BYLD Edge

₹18,250

per year + GST

Markets mode, loans, PMS/AIF access, priority MIA.

BYLD Legacy

₹36,500

per year + GST

Family office, eWills, multi-member RBAC, dedicated advisor.

REVENUE MODEL

Advisory subscription (BYLD Wealth)~70% revenue

MF trail commission (BYLD Capital)~25% revenue

Insurance + loan referral~5% revenue

UNIT ECONOMICS (at scale)

Infra cost (10K users)~$3,328/mo

MIA AI cost (25% active)~$1,295/mo

Break-even~2,000 paid users

07 / 10

BYLD WEALTH

5 Developers + AI Agents
= 25-Person Output

AI pair programming (Claude Code) handles scaffolding, adapters, tests, IaC. Humans focus on domain logic, prompt engineering, architecture.

B1

Backend Dev 1 — Java

Identity + Payments + Notifications + Estate track

B2

Backend Dev 2 — Java

Advisory + Portfolio + Distribution track

B3

Backend Dev 3 — Java

MIA AI + Markets + Gateway track

M1

Mobile Dev 1 — Kotlin CMP

Onboarding, KYC, AA, IPS, Fund browse, SIP

M2

Mobile Dev 2 — Kotlin CMP

Dashboard, MIA chat, Portfolio, Markets

?

TBH: Advisory Head

SEBI RIA-certified, portfolio strategy

AI HANDLES (Claude Code)

Service scaffolding · JPA repositories · REST controllers · Kafka producers/consumers · Terraform modules · Helm charts · CI/CD pipelines · Test generation · OpenAPI specs · ACL gateways

HUMANS FOCUS ON

Domain logic (BYLD Score, rebalancing) · MIA prompt engineering · Architecture decisions · Security review · Regulatory compliance · Edge cases · Code review

08 / 10

BYLD WEALTH

12-Month Product Roadmap

PHASE 1

MVP — 8 services, 55 features, MIA v1

Weeks 1–12

PHASE 2

Growth — Markets, Loans, Insurance, Tax

Weeks 13–24

PHASE 3

Scale — Global, WhatsApp, SmallCase

Weeks 25–36

PHASE 4

Maturity — Voice, Video, SaaS

Week 37+

ALPHA

Week 6

BETA

Week 10

MVP LAUNCH

Week 12

10K USERS

Week 24

FULL PLATFORM

Week 36

WHAT EACH MILESTONE UNLOCKS

Alpha (W6)

Internal testing, 8 services running on EKS, basic MIA chat

Beta (W10)

100 beta users, KYC live, MIA executes SIPs, Razorpay payments

MVP Launch (W12)

Public launch, SEBI compliant, full advisory flow, BYLD One tier

10K Users (W24)

Markets live, insurance, loans, distribution mode, revenue traction

Full Platform (W36)

₹2,400Cr AUA, global investing, WhatsApp, family office features

09 / 10

BYLD WEALTH

Summary & Next Steps

Everything is in place — architecture reviewed, partnerships secured, team allocated, prototype validated.

DELIVERY READINESS

PHASE 1 — MVP DELIVERY

12 Weeks

8 microservices · 55 features · SEBI compliant

STATUS

Ready to Start

KEY MILESTONES

Alpha — Internal Testing

Week 6

Beta — 100 Users, Live KYC + Payments

Week 10

MVP Launch — Public, Full Advisory Flow

Week 12

Growth — Markets, Insurance, Loans Live

Week 24

Scale — Global, WhatsApp, Family Office

Week 36

READINESS CHECKLIST

✓

Team Allocated (5 Developers)

3 backend (Java) + 2 mobile (Kotlin CMP). Each dev owns 2–3 services. AI pair programming (Claude Code) handles scaffolding, adapters, tests, IaC.

✓

Architecture Reviewed (FAANG Panel B+)

9 senior engineers (Amazon, Google, Meta, Apple, Netflix, CRED, Zeta, OpenAI, Perplexity). 17 architecture artifacts reviewed. Clean Architecture + DDD + CQRS.

✓

Partnerships Secured (6 Partners)

Morningstar (fund data) · MFU Central (MF orders) · Finvu (AA) · Ditto (insurance) · Willjini (eWills) · Razorpay (payments). Contracts signed.

✓

Regulatory Compliance Designed

SEBI RIA INA000014252 · AMFI ARN-149832 · DPDPA 2023 consent architecture · UIDAI eKYC · RBI AA Protocol v2. Compliance baked into every screen.

✓

Prototype Validated (V7 Audit 91/100)

208 product screens · 8 user flows · 75 features specified · 88% PRD coverage (51/58 FRs) · 30 edge-case state screens. Production-ready design system.

10 / 10