BYLD WEALTH |

Build vs Buy — Comparison Charts

DECISION BRIEF RECOMMENDED: IN-HOUSE March 2026
1

Cost Comparison

Dev Cost Only (Cash Salary) — Common costs excluded

Yottix
₹2.50 Cr
₹2.50 Cr
In-House
₹1.25 Cr
₹1.25 Cr
↓ ₹1.25 Cr saved (50% reduction) 12-month total · no infra overlap
2

Feature Comparison

Total deliverable features · Functional + Non-Functional

Yottix
108 features
108
In-House
108 FRs
+18
126

Module breakdown (9 modules)

OnboardKYCPortfolioTradeAdvisoryPayReportsMIAGoals
3

Timeline

M1M2M3 M4M5M6 M7M8M9 M10M11M12
Yottix
Phase 1 (5-6 mo)
Phase 2 (7-12 mo)
In-House
Beta 3.5mo
Prod
Phase 2
Phase 3
◆ milestone In-house beta: 1.5 mo faster
4

Team Structure

Yottix
?
8-12 devs
Black box
Unknown composition
In-House + AI
Backend ×2
₹30L ea
Android
₹30L
iOS
₹30-35L
AI Copilot
2.5× boost
4 devs → 10-12 eff. FTEs
5

AI Velocity

2.5× MULTIPLIER
60% AI
Boilerplate, tests, docs, API clients
40% Human
Domain logic, compliance, architecture
4 devs → 10-12 effective FTEs
6

What Yottix Doesn't Deliver

✓ In-House Delivers

✓Architecture documentation suite
✓Marketing website (Next.js)
✓Admin operations dashboard
✓Complete brand design system
✓18 extra product features
✓AI-accelerated dev velocity
✓100% IP ownership from day 1

✗ Yottix Doesn't Deliver

✗No architecture documentation
✗No marketing website
✗No admin dashboard
✗No brand system
✗Missing 18 product features
✗No AI velocity multiplier
✗Shared/licensed codebase
7

FR vs NFR Split

126 TOTAL
108 Functional Requirements
9 Product FRs (extras)
9 Non-Functional Requirements
NFRs: Architecture · Security · Brand · Website · Admin Dashboards
₹1.25 Cr
Total Savings
50% cost reduction vs Yottix
3.5 mo
Beta Launch
Faster than Yottix Phase 1
126
Total Features
108 FRs + 9 Product + 9 NFRs
100%
IP Ownership
Full code ownership from day 1
BYLD Wealth Technologies Pvt. Ltd. CONFIDENTIAL March 2026