Fintech · Aa Fintech Data Pipeline
Karat
Goals-driven personal investment and wealth management platform (web app + marketing sites) built on AWS-native.
The brief
Build a goals-driven investment platform that helps retail investors understand the relationship between time and money, optimise financial decisions through the SLICE model, and gain insight into their portfolio through behavioural profiling, net worth aggregation, and actionable financial narratives — starting with a Supabase-backed MVP and evolving into a production AWS-native platform.
What we built
A full-stack B2C fintech platform branded as "time.money" / Karat Capital — a goals-driven investment platform implementing the SLICE model (Sustainable Investment Strategy, Liquidity, Implied Volatility Lower, Consistency, Efficiency). The platform comprises:
- an investor onboarding flow with passwordless Cognito auth and PAN verification
- an Account Aggregator consent pipeline fetching live financial data (banks, mutual funds, equities, ETFs) via Digitap and CAMS
- behavioural and money quotient assessments via Syntoniq
- a Net Worth + Investor Narrative Dashboard with hierarchical financial calculations, credit score, 7-70 Winning Formula, and Goals Builder module
- subscription billing via Razorpay
- an admin/internal dashboard in SvelteKit; and
- two Astro-based marketing websites (karatcapital.com, time.money).
Production platform live at app.time.money and karatcapital.com with: full AWS Cognito passwordless auth, Account Aggregator onboarding (CAMS + Digitap), Behaviour Quotient + Money Quotient assessments, Investor Narrative Dashboard (net worth, market portfolio, loans, assets, credit score, 7-70 Winning Formula), Goals Builder with retirement projections, Razorpay subscription billing (Discovery/Advisory plans), DPDPA consent manager, and PostHog analytics.
Delivery timeline
How it was built, phase by phase.
8 workstreams across 121 weeks of operated delivery.
- buildJan–Mar 2024
Supabase + Deno/Oak Backend Foundation (Phase 1)
Initial backend architecture using Supabase for auth and database, Prisma ORM for migrations, and Deno/Oak as the server runtime. Included phone OTP, email verification, SSO redirect, and onboarding schema design.
Phase-1 backend scaffolding with auth, phone OTP, email verification, SSO, and schema migrations established.
SupabasePrisma ORMDenoOakNode.jsNodemailer - buildJul–Dec 2024
AWS-Native Backend Architecture (Spring Boot + DynamoDB + Cognito)
Complete migration to AWS-native stack: Spring Boot (Java 21, Amazon Corretto) as the microservice layer, DynamoDB with AWS Encryption SDK for at-rest data security, AWS Cognito for passwordless auth.
Production-grade AWS microservice architecture with encrypted financial data storage, event-driven processing, and feature-flagged rollouts.
Spring BootJava 21Amazon CorrettoAWS DynamoDBAWS Encryption SDKAWS Cognito - integrateAug 2024 – May 2025
Account Aggregator Integration (Digitap + CAMS)
Full integration with India's Account Aggregator ecosystem via Digitap and later CAMS (CAMSfinserv).
End-to-end AA consent-to-data pipeline live, supporting banks, mutual funds, equities, deposits, and ETFs with encrypted storage.
Digitap AA APICAMS AAAnumatiAWS SQSAWS EventBridgeAWS DynamoDB - buildSep 2024 – Mar 2025
Financial Data Modelling & Credit Analytics (Experian/CIBIL)
Schema design for credit analytics, CIBIL/Experian consent flows and data processing, bank data parsing, and a Net Worth calculation engine using Composite design pattern across assets/liabilities/market portfolio.
Hierarchical net worth calculation API covering all asset classes (banks, MF, equities, ETFs, insurance, loans) with credit score integration.
AWS DynamoDBSpring BootAWS API GatewayExperian APIDigitapComposite Pattern - buildAug 2024 – Apr 2026
Next.js 15 Frontend with Design System (DaisyUI + TailwindCSS)
Full React/Next.js 15 frontend architecture with DaisyUI component library, TailwindCSS v4, custom design system (typography, colors, tokens), dark/light theming, AG Grid for financial tables.
Production-grade financial dashboard UI with design system, dark mode, responsive layouts, and rich data visualizations.
Next.js 15React 19DaisyUITailwindCSS v4AG GridECharts - integrateAug 2024 – May 2026
Behavioural & Money Quotient Assessment Engine (Syntoniq)
Integration of Syntoniq's behavioural questionnaire API for the 'OhBehave' (Behaviour Quotient) and Money Quotient assessments.
Full BQ + MQ assessment engine live with server-side question fetching, dynamic question types, and score-driven narrative generation.
Syntoniq APISanity CMSAWS DynamoDBSpring BootNext.jsReact Hook Form - buildOct 2024 – Jun 2026
Investor Narrative Dashboard & Financial Insights
The core investor-facing dashboard showing net worth, market portfolio, assets, loans, credit score (Experian), 7-70 Winning Formula, Behaviour Quotient, and portfolio suitability.
Full investor dashboard live with net worth, market portfolio, credit score, insights, goals builder, and SLICE-model-aligned narrative.
Next.jsSpring BootEChartsGauge.jsAG GridSanity CMS - buildSep 2024 – Apr 2026
Auth & Identity (AWS Cognito Passwordless + Session Security)
Production auth system using AWS Cognito with passwordless phone/email OTP, AWS Amplify, protected route middleware, idle session timeout, JWT token refresh, cookie encryption, AWS Verified Permissions POC.
Hardened auth system with passwordless login, idle timeout, token refresh, WAF bot protection, and DPDPA-compliant cookie handling.
AWS CognitoAWS AmplifyAWS Verified PermissionsAWS WAFCloudFrontNext.js Middleware
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