BYLD WEALTH

Technology & Product Roadmap

Phase 1 — Build vs Buy Analysis

Presented by: Head of Engineering

March 2026

CONFIDENTIAL

BYLD WEALTH

02 / 15

Executive Summary

297

Screens Prototyped

108

Yottix P0 Features

160+

Our Full Scope

₹75L saved

In-House vs Yottix (Year 1)

For comparable investment, in-house delivers 50% more scope, 100% IP ownership, and FAANG-grade architecture.

Yottix Path

₹2.5 Cr (dev only) + ₹1.21 Cr (infra/APIs you pay) = ₹3.71 Cr total
108 features | Vendor IP | No architecture docs

In-House Path

₹1.80 Cr (team) + ₹1.16 Cr (infra/APIs/misc) = ₹2.96 Cr total
160+ features | 100% IP | 40K+ lines architecture

BYLD WEALTH

03 / 15

What We've Already Built

Before writing a single line of production code:

297

HTML Prototype Screens

All flows clickable end-to-end

30+

Architecture Documents

40,000+ lines, IEEE 1471 SAD

64

Technical Diagrams

PlantUML + draw.io + Excalidraw

10

Per-Service LLDs

Class diagrams, APIs, schemas

9

Specialist Reviews

CTO Panel grade: B+

30

Brand Book Slides

+ Neural Bloom avatar + Brand Hub

This is ₹3 Cr+ worth of architecture consulting — delivered before Day 1 of development.

BYLD WEALTH

04 / 15

Yottix Proposal — What They Offer

₹2.5 Cr

Fixed Price

12 Mo

Full Year (All Phases)

108

P0 Features

5-6 Mo

Phase 1 Timeline

Included ✓

Development team (8-12 devs)
18 modules: Onboarding, KYC, AA, Portfolio, MIA, Investments, Goals, Payments, Notifications, Insurance, Compliance
MIA AI engine (14 features)
Regional language support (pending)

NOT Included ✗

AWS Infrastructure (~₹78L/yr)
Claude AI API costs (~₹13L/yr)
Partner APIs (Morningstar, Gupshup ~₹15L/yr)
UI/UX Design (New Perception — separate)
QA Testing
Product Management
SEBI/Legal Compliance (~₹15L/yr)
Post-delivery maintenance

BYLD WEALTH

05 / 15

What Yottix Does NOT Cover

50+ additional features we need beyond their 108 P0 scope:

Product

Desktop website / landing page
Internal advisor dashboard
eWills & estate planning
Markets & stock trading
Performance benchmarking
Referral & growth engine

Integrations

Global investing (Kristal.ai)
Loan lead gen (9 types)
Credit cards
FDs (Blostem)
News ↔ portfolio correlation
Synthetic benchmarking

Foundation

Brand hub + design system
Architecture documentation
Email templates
Social media assets
Festival campaigns
C-Suite dashboards

These 50+ features would require a separate Phase 2+ contract with Yottix at additional cost

BYLD WEALTH

06 / 15

What Yottix Deferred to Phase 2+

These are Phase 1 requirements per our original design spec — deferring them creates launch gaps:

Entire Module Deferred

Tax & Reports

Capital gains, tax-loss harvesting, downloadable reports, tax calendar — ALL moved to Phase 2+

Individual Features Deferred

NSDL Statement upload
DigiLocker integration
EPF integration
Credit Bureau integration
Financial news correlation
Insurance comparison across providers
Policy renewal reminders

Estimated cost to build deferred items: ₹1.5-2.0 Cr additional if outsourced later

In-house: Same team delivers these within Year 1 at no additional development cost

BYLD WEALTH

07 / 15

True Cost Comparison — Year 1

Cost Item	Yottix (Outsource)	In-House Build
Development	₹2.50 Cr	₹1.80 Cr
AWS Infrastructure	₹0.78 Cr you pay	₹0.78 Cr
AI API (Claude)	₹0.13 Cr you pay	₹0.13 Cr
Partner APIs	₹0.15 Cr you pay	₹0.10 Cr
SEBI / Legal	₹0.15 Cr you pay	₹0.15 Cr
Year 1 Total	₹3.71 Cr	₹2.96 Cr

₹75L

Year 1 Savings

50%

More Features

100%

IP Ownership

BYLD WEALTH

08 / 15

In-House Team Plan

Role	Count	Experience	Annual CTC	Cash (70%)	ESOP (30%)
Sr Backend (Java Spring)	2	5-8 yrs	₹50L	₹35L	₹15L
Sr Mobile (Kotlin CMP)	2	4-7 yrs	₹44L	₹30.8L	₹13.2L
Frontend (Next.js)	1	3-5 yrs	₹18L	₹12.6L	₹5.4L
AI/Agent Developer	1	3-5 yrs	₹30L	₹18L	₹12L
DevSecOps	1	4-6 yrs	₹22L	₹15.4L	₹6.6L
QA Engineer	1	3-5 yrs	₹15L	₹10.5L	₹4.5L
Product Manager	1	5-8 yrs	₹30L	₹21L	₹9L
Total	9		₹2.09 Cr	₹1.43 Cr	₹0.66 Cr

ESOP Advantage

With 30% equity component: Cash burn ₹1.43 Cr/yr
Aligns team with company success. "0-to-1 story — higher ESOPs, lower cash."

AI Multiplier

Claude Code provides 2-3x productivity boost
9 developers = 18-22 effective FTEs. Boilerplate, tests, docs, Helm charts — all AI-generated.

BYLD WEALTH

09 / 15

Technology Stack

Client

Mobile: Kotlin Compose Multiplatform
Web: Next.js 16
Design: BYLD Design System (11 CSS files)

Backend

Java 21 LTS + Spring Boot 3.4
10 Microservices (Clean Architecture)
PostgreSQL 16 (database-per-service)
Kafka MSK (domain events)
Redis 7 (cache + sessions)

AI & Cloud

Claude API (Haiku/Sonnet/Opus)
RAG: pgvector + Pinecone
AWS EKS (Mumbai region)
ArgoCD GitOps
Zero-trust security

FAANG CTO Panel Grade

B+

9 reviewers from Amazon, Google, Meta, Apple, Netflix, CRED, Zeta, OpenAI, Perplexity

Architecture Principles

Clean Architecture (Uncle Bob) · DDD (Eric Evans) · Microservices Patterns (Chris Richardson) · SOLID · Hexagonal Ports & Adapters · Saga Choreography · CQRS · Transactional Outbox

BYLD WEALTH

10 / 15

Phase 1 Sprint Roadmap — 12 Weeks

Sprint	Weeks	Focus	Key Deliverables
S1	W1-2	Foundation	Gateway, Identity (OTP, biometric), Payments (Razorpay), Mobile scaffold
S2	W3-4	Core Data	KYC (PAN + CKYC + Aadhaar), AA (FinFactor), Portfolio basics
S3	W5-6	Intelligence	MIA (Claude API, RAG, Hindi), Portfolio dashboard, Benchmarking
S4	W7-8	Commerce	MFU (fund browse, SIP, lumpsum), FD (Blostem), Insurance (Ditto)
S5	W9-10	Advisory	BYLD Score (buckets), Rebalancing, Goals, MIA tool execution
S6	W11-12	Launch	Security hardening, SEBI audit, Notifications, Beta launch

ALPHA

Week 6

BETA

Week 10

MVP LAUNCH

Week 12

BYLD WEALTH

11 / 15

MIA — Our AI Differentiator

My Intelligent Analyst — present on 130+ screens, primary interaction layer

Capabilities

Natural language chat (Hindi + English)
Portfolio analysis & recommendations
Tax harvesting suggestions
Insurance gap analysis
Goal planning & projections
"Can I afford X?" scenarios
Action execution (SIP, rebalance)

Technology

Claude API (Haiku/Sonnet/Opus routing)
RAG: SEBI regulations + fund data
Tool calling for action execution
4-layer safety pipeline
Configurable query limits per tier
Source citations on every advice

Economics

₹1.1L/mo

at 10K users (25% active)

₹0.03

per conversation avg

No competitor has an AI advisor this deeply integrated into the wealth management journey

BYLD WEALTH

12 / 15

Regulatory Moat

SEBI RIA

INA000014252

Fee-only fiduciary advisory

AMFI ARN

ARN-149832

MF distribution license

DPDP Act

11/11 Compliant

Full statutory compliance

Compliance Built Into Architecture

NITI Aayog Responsible AI: 103/110 (93.6%)
RBI AA Framework (FinFactor/Finvu)
IRDAI compliance (Ditto partnership)
UIDAI Aadhaar Act (eKYC consent)
SEBI advice classification (Educational vs Personalised)

Dual-Mode Architecture

Advisory (BYLD Wealth) + Distribution (BYLD Capital)

Strategy Pattern switches behavior at runtime. Same user, same app, different regulatory framework. This architecture is a moat — no competitor can easily replicate it.

BYLD WEALTH

13 / 15

Risk Mitigation

HIGH

Timeline

12 weeks aggressive for 108 features

Mitigated: 297 screens prototyped + AI-accelerated dev (2-3x)

MEDIUM

Hiring

Key roles needed Week 1

Mitigated: ESOP incentives + competitive CTC + 0-to-1 appeal

MEDIUM

Partner APIs

Gupshup, Blostem, Ditto sandbox

Mitigated: NDAs signed for most. Sandbox by Week 3.

LOW

MIA Cost

AI API at scale

Configurable limits + multi-model routing → ₹0.03/conversation

LOW+

Architecture

Tech debt risk

40K+ lines documented. Clean Arch + DDD + SOLID. CTO Panel B+.

BYLD WEALTH

14 / 15

3-Year Total Cost of Ownership

Year	Yottix Path	In-House Path	Delta
Year 1	₹3.71 Cr	₹2.96 Cr	₹75L saved
Year 2	₹1.50 Cr (maintenance + Phase 2+)	₹2.20 Cr (team + infra)	₹70L more
Year 3	₹1.20 Cr (ongoing vendor)	₹2.30 Cr (team + scale)	₹1.10 Cr more
3-Year TCO	₹6.41 Cr	₹7.46 Cr	₹1.05 Cr more

But What You GET for ₹1.05 Cr More:

100% IP ownership (vs vendor-dependent)
Experienced in-house team (9 people)
160+ features (vs 108)
Real-time iteration (vs contract change requests)
Architecture documentation (40K+ lines)
Knowledge stays when vendor leaves

Hidden Yottix Costs Not in TCO:

Change request fees (scope creep)
Knowledge transfer when contract ends
Vendor lock-in premium
Phase 2+ features at additional cost
No architecture documentation delivered
Dependency on single vendor team

BYLD WEALTH

15 / 15

Recommendation & Next Steps

BUILD IN-HOUSE

₹75L

Year 1 savings
with 50% more scope

100%

IP ownership
+ retained knowledge

B+

FAANG-grade
architecture ready

2-3x

AI-accelerated
development velocity

Next Steps

Week 1	Hire Backend Dev 1 + Mobile Dev 1 + AI Engineer
Week 2	Start Sprint 1 — Gateway + Identity + Payments setup
Week 4	Full team onboarded (9 people)
Week 6	Alpha release — core flows working
Week 12	MVP Beta launch

"The architecture is ready. The prototype is built. We just need the team."

Wealth is not found. It is built.