BYLD Wealth — Comprehensive Product Roadmap
Consolidated: Yottix V1.0 (108 features) + Notion PRD (58 FRs) + CEO Decisions + Risk Profiler | March 2026
1. Feature Coverage Dashboard
108
Yottix Features (P0)
92% addressable
58
Notion PRD FRs
88% covered
5/7
CEO Comments Addressed
296
Total Screens (223 product + 73 supporting)
40K+
Lines of Architecture Docs (30+ files, 64 diagrams)
2. Phase 1 Feature Matrix
| Module | Total | Covered | Partial | Missing | MIA | Coverage |
|---|
| M1 Onboarding & Auth | 8 | 4 | 2 | 2 | 1 | 75% |
| M2 Risk Assessment | 2 | 2 | 0 | 0 | 2 | 100% |
| M3 Account Aggregation | 10 | 6 | 2 | 2 | 1 | 80% |
| M4 Manual Assets | 4 | 3 | 0 | 1 | 0 | 75% |
| M5 Portfolio Management | 15 | 8 | 4 | 3 | 12 | 67% |
| M6 KYC Process | 2 | 1 | 0 | 1 | 0 | 50% |
| M7 Investment & Orders | 14 | 4 | 6 | 4 | 5 | 46% |
| M8 MIA AI Engine | 14 | 12 | 2 | 0 | 14 | 90% |
| M9 Goals & Planning | 7 | 3 | 2 | 2 | 5 | 71% |
| M10 Payments | 7 | 3 | 3 | 1 | 1 | 57% |
| M11 Notifications | 8 | 5 | 0 | 3 | 3 | 100%* |
| M12 Insurance | 4 | 3 | 1 | 0 | 2 | 100% |
| M13 Risk & Compliance | 5 | 3 | 0 | 2 | 3 | 100%* |
| M14 Cross-Cutting | 8 | 0 | 0 | 0 | 0 | Native |
| M15 Regional Language | 6 | 1 | 0 | 5 | 3 | 20% |
| TOTAL | 108 | 57 | 21 | 14+16 arch | 48 | 92% |
* = backend/native features, no UI screen needed. Regional language is the largest gap.
3. Key Decisions Applied
Edge Pricing
₹18,250+GST
Corrected from ₹19,999 (80 files updated)
Insurance Partner
Ditto Insurance
Via Calendly + in-app discovery. Corrected from Digit (31 files)
BYLD Score Display
Bucket Labels Only
Conservative / Mod Conservative / Balanced / Growth / Aggressive
No numerical score shown to users (0-100 is internal)
Wealth Health Score
SEPARATE from BYLD Score
Composite: diversification + risk alignment + goals + emergency fund
MIA Query Limits
Configurable per tier
Capital = limited (default 5/mo), Wealth = unlimited. Admin-settable.
Risk Profiler
8 questions × 5 dimensions × 5 buckets
Attitude 30% | Capacity 25% | Horizon 20% | Income 15% | Experience 10%
SMS/WhatsApp
Gupshup
Replaces AWS SNS in architecture
Mobile Analytics
Firebase Crashlytics + Analytics
Added to mobile architecture
Body Font
DM Sans (Brand Evolution v2)
Replaces Calibri from brand book. CEO approved.
4. Sprint-Level Roadmap (12 Weeks)
| Sprint | Weeks | Focus | New Screens | Owner |
|---|
| S1 | W1-2 | Gateway + Identity (OTP, biometric) + Payments (Razorpay) + Mobile scaffold + NEW Freemium period (F07a) | 6 | BE-1 + MOB-1 |
| S2 | W3-4 | KYC (PAN+CKYC+Aadhaar) + AA (FinFactor) + NEW CAS upload (F16) + NEW Advisory report (F18a) | 5 | BE-2 + MOB-2 |
| S3 | W5-6 | MIA (Claude API, RAG, Hindi) + Portfolio dashboard + NEW Wealth Health Score (F38) + NEW Fund overlap (F37) | 4 | BE-1 + MOB-1 |
| S4 | W7-8 | MFU (fund browse, SIP, lumpsum) + FD (Blostem) + NEW Scheme switch (F51) + SIP 7-day buffer | 3 | BE-2 + MOB-2 |
| S5 | W9-10 | BYLD Score (bucket display) + Rebalancing + Goals + MIA tool_use + NEW Billing history (F81) | 2 | BE-1 + FE-1 |
| S6 | W11-12 | Security hardening + SEBI audit + Notifications (FCM, Gupshup) + Insurance (Ditto) + NEW MF order tracking (F52) + Beta launch | 2 | All |
| Post-MVP | Regional language (Hindi/Tamil/Telugu) + Markets + Loans (Andromeda) + Global (Kristal.ai) + eWills | 10-15 | Phase 2 |
5. Team Capacity
| Dev | S1-S2 (Foundation) | S3-S4 (Core Product) | S5-S6 (Polish + Launch) |
|---|
| BE-1 | Identity + Gateway | Portfolio + MIA RAG | Advisory + Compliance |
| BE-2 | Payments + KYC | Distribution + AA sync | Goals + Notifications |
| MOB-1 | Auth + Onboarding | Portfolio dashboard | MIA chat + SIP flow |
| MOB-2 | KYC + AA screens | Fund browse + detail | Settings + Beta polish |
| FE-1 | Landing page | Advisor dashboard | Reports + Admin panel |
| AI | Claude Code assists all devs — boilerplate gen, test writing, Helm charts, API contracts |
6. What's There vs What's Missing
What We Have (296 screens)
- 223 product screens across 44 categories
- Chatbot-first UX (MIA on 130+ screens)
- 5 tier themes (Master/Edge/Core/Legacy/Markets)
- Neural Bloom avatar (11 animated layers)
- 30+ architecture docs (40,000+ lines)
- 26 HTML visual diagrams + 26 PlantUML + 14 draw.io
- 75 product features with user stories + RICE
- 10 per-service LLDs with class diagrams
- Brand hub + 30-slide brand book + B lettermark
- eWills, Markets, Referral, Demo mode (EXTRAS beyond Yottix)
What's Missing (18 screens to build)
- P0 Regional language UI (Hindi/Tamil/Telugu) — 5 screens
- P0 Freemium auto-transition flow — 3 screens
- P1 Wealth Health Score — 2 screens
- P1 Manual CAS upload — 3 screens
- P1 Scheme switch order — 1 screen
- P1 Fund overlap analysis — 1 screen
- P1 Advisory report generation — 1 screen
- P1 MF order tracking — 1 screen
- P1 Billing history — 1 screen
7. Risk Register
HIGH
Regional Language (UIDAI Regulatory)
Hindi eKYC consent is UIDAI-mandated. 5 screens + content localization stream needed before any KYC flow goes live.
HIGH
12-Week Timeline for 108 Features
5 devs + AI agents. Yottix spec is ambitious. Critical path: MIA RAG (XL), MFU integration (L), Payment gateway (L).
MEDIUM
Partner API Readiness
Gupshup (SMS/WhatsApp), Blostem (FD), Ditto (Insurance) — sandbox access and API stability not confirmed.
MEDIUM
MIA Cost at Scale
$5.18/user/month at 100% active. With configurable limits + 25% active rate → ~$1,295/mo at 10K users. Sustainable.
LOW (Positive)
Aadhaar Kept in Phase 1
Yottix deferred Aadhaar to Phase 2 but we kept it. Higher KYC completion rate. No additional risk.
BYLD Wealth Technologies Pvt. Ltd. | SEBI RIA · INA000014252 | AMFI ARN · ARN-149832 | Confidential | March 2026