Wave 4 · Everything-Else Polish · 25 screens

The last mile — every corner of the Phase 1 journey.

Wave 4 fills in the screens between the headline flows: KYC recovery, AA error and success states, IPS and its SEBI gate, manual entry, goals, calendar, MIA history, RIA advisory loop, notifications, and the 3-day trial runway into the Markets-free landing. Every screen inherits Wave 1 visual tokens and is authored for Vivek Kumar, Head of Engineering.

Author Vivek Kumar, HoE
Date 2026-04-09
Base tokens.css + _prototype-base.css + _wave3-shared.css
Scope 25 polished screens

KYC recovery

2 screens
DigiLocker-first, CKYC rejection codes, compliance review path
PW4-KYC-08

Rejection recovery

CKYC auto-rejection with reason code (photograph clarity), 3 fix steps, 24-hour draft, MIA reassurance.

DigiLockerADR-019
PW4-KYC-09

Manual review pending

Compliance officer review wait state — pulse animation, 4-step timeline, "meanwhile" suggestions panel.

ComplianceReview

Account Aggregator · consent lifecycle

3 screens
Finvu (FIFactor) — error, success, relink paths
PW4-AA-11

Consent denied

Finvu consent denial error with 3 recovery paths: retry, CAMS upload, manual entry.

FinvuADR-024
PW4-AA-12

Holdings preview (success)

₹2.84 Cr fetch preview across 4 FIPs (HDFC, Zerodha DP, CAMS, ICICI), Decision 5A confirm-before-write.

FinvuMFUMorningstar
PW4-AA-13

Consent relink

3 expired FIPs, 2 active, auto-prompt-15-days-before-expiry toggle, RBI 365-day cap context.

FinvuRBI

IPS · Investment Policy Statement

3 screens
Single fixed template (Decision 7A post-pivot) · SEBI Reg 19 retention
PW4-IPS-01

Form mode

IPS draft form from risk profile — asset bands, rebalancing policy, concentration cap, goals.

SEBI Reg 19
PW4-IPS-02

Sign-off

4 SEBI acknowledgments + Aadhaar e-Sign · Rajiv Kumar · IPS-2026040911 · 7-year retention.

SEBI Reg 19(2)Aadhaar
PW4-IPS-03

History

Version timeline with diff view, retention countdown, audit trail, download-as-PDF.

7-yr retention

Manual entry

2 screens
Power Mode escape hatch for users who refuse AA
PW4-MAN-01

Form entry

Fund autosuggest with ISIN match, units/avg cost/first-purchase fields, live gain calc, MIA cross-check.

Power ModeMorningstar
PW4-MAN-02

Partial parse review

CAMS statement parse — 11 rows, 8 confident, 3 need disambiguation (Direct vs Regular, units, redeemed history).

CAMSParser

MIA history

1 screen
Long-term memory of the assistant conversations
PW4-MIA-01

Conversation history

47 threads grouped by topic (taxes, goals, portfolio, general), pinned starred, search, export.

MIA

Goals

3 screens
List + detail with projection chart + achieved celebration
PW4-GOAL-01

Goals list

5 goals, ₹8.42 Cr combined target, 4 on-track + 1 off-track (Goa), FAB to add new.
PW4-GOAL-02

Goal detail · Goa home

Off-track projection with inline SVG chart, ₹32 L shortfall, 2 linked SIPs, MIA rebalance idea.
PW4-GOAL-03

Achieved · Emergency fund

Celebration screen — SVG confetti, ₹15 L reached, 4 next-action options (redirect SIP, new goal, withdraw, keep).

Calendar

2 screens
April 2026 month grid + single event detail
PW4-CAL-01

Month view

35-day grid, 5-color event dots (SIP / call / insurance / rebal / FD), selected day preview.
PW4-CAL-02

Event detail · RIA call

Quarterly review with Priya Sharma CFA, Google Meet link, 4-item agenda, MIA prep brief.

INA000123456

RIA · Advisory loop

4 screens
SEBI gate → call booking → recommendations inbox → single rec detail
PW4-RIA-01

Fee agreement · SEBI gate

Pre-advisory SEBI Reg 19 gate — fee schedule (₹21,535 incl GST), 2.5% AUA cap disclosure, conflict declaration, 4 acks, Aadhaar e-Sign.

SEBI Reg 19(1)Aadhaar
PW4-RIA-02

Call booking

Priya Sharma CFA hero, Edge quota (1/4 FY26), 3-day slot picker, agenda input, MIA auto-brief.
PW4-RIA-03

Recommendations inbox

4 open recs (Rebalance, Tax, Sell harvest, Buy arbitrage), type pills, issuer dots (Priya / MIA), expiry badges.
PW4-RIA-04

Recommendation detail

Goa shortfall fix · diff table (current vs proposed) · 4-part rationale · SEBI disclaimer · Decision 5A confirm card.

SEBI disclaimerDecision 5A

Notifications

1 screen
In-app centre with grouping, read/unread state, quick actions
PW4-NTF-01

Notification centre

Today / Earlier this week groups, 3 categories (SIP / advisory / system), mark all read, settings link.

Trial runway

3 screens
ADR-033 freemium state machine · Day 6 → 7 → 8
PW4-TRL-02

Day 6 · Soft nudge

Dismissable banner + inline 3-plan upgrade card (One / Edge "Most picked" / Legacy) + MIA Edge-fits-you rec.

ADR-033
PW4-TRL-03

Day 7 · Hard nudge modal

Full-screen scrim + 14:23:06 countdown + 4 retained features (MIA, IPS, goals, RIA) + Markets-free link.

ADR-033
PW4-TRL-04

Day 8 · Welcome to Markets

Positive reframing (NOT punitive) — "Nothing was deleted." You-keep (4 items) / Paused-unlocks-with-Wealth (4).

ADR-033

Estate · Phase 2 stub

1 screen
EazyLegal (NOT Willjini) — waitlist placeholder per ADR-021
PW4-EST-01

EazyLegal coming soon

Phase 2 placeholder — 4 features (guided Will, beneficiary mapping, lawyer registration, vault), waitlist card.

ADR-021Phase 2

Provenance. Wave 4 "everything-else" deliverable, 25 polished HTML screens. Matches Wave 1 visual language; inherits tokens.css + _prototype-base.css + _wave3-shared.css. Author: Vivek Kumar, Head of Engineering, 2026-04-09. No external assets — charts and confetti use inline SVG. All partner names match .claude/rules/pricing-partners.md (Ditto, EazyLegal, Blostem, MFU Central, Morningstar, Finvu). All RIA / IPS / recommendation screens carry SEBI RIA INA000123456 and retention / disclaimer language per Reg 19.