What is Investment Management?
Our investment platform enables secure, flexible, and automated investment processing for customers. The system supports:- Investment Applications - Customers can invest in various products through multiple channels
- Portfolio Management - Track and manage multiple investment portfolios
- Interest Accrual - Automated interest calculation and accrual
- Real-Time Tracking - Monitor investments, returns, and performance
Key Features
Multiple Investment Products
Support for various investment products including fixed deposits, mutual funds, and corporate bonds with different risk profiles.
Flexible Investment Options
Customers can invest in units, with flexible amounts and product selection based on their risk tolerance.
Automated Interest Calculation
Automatic interest accrual and calculation based on product terms and Annual Percentage Yield (APY).
Portfolio Tracking
Comprehensive portfolio management with real-time tracking of investments, returns, and maturity dates.
Wallet Integration
Secure wallet system for funding investments and receiving returns with multi-currency support.
API-First Design
RESTful APIs with comprehensive documentation and sandbox environment for seamless integration.
How It Works
The investment flow consists of four main phases:Product Selection & Quote
Customers browse available investment products, get quotes for specific unit purchases, and review investment terms including fees and expected returns.
Investment Application
Customers submit investment applications specifying the product, number of units, and other required details. The system processes and creates the investment portfolio.
Wallet & Funding
When an investment application is submitted, a wallet account is automatically created for the customer. Customers can fund their wallet to cover the investment amount.
For detailed visual flow, see the Account Opening and Portfolio Management pages.
Core Concepts
Investment Products
Investment products define the terms and conditions for different types of investments:- Product Types - Fixed deposits (corporate bonds) and Dynamic investments (mutual funds)
- Risk Profiles - Conservative, Moderate, and Aggressive investment options
- Interest Rates - Annual Percentage Yield (APY) for each product
- Unit-Based Pricing - Investments are made in units with per-unit pricing
- Maturity Terms - Fixed investment periods with maturity dates
Learn More
Understand how investment products are structured and selected.
Investment Wallets
Wallets are required for all investment operations:- Multi-Currency Support - Wallets can be created in different currencies (NGN, USD, GBP, etc.)
- Funding - Funds can be added to wallets before making investments
- Secure Storage - Funds are securely held until invested or withdrawn
- Transaction History - Complete audit trail of all wallet operations
Learn More
Explore wallet creation and management processes.
Portfolio Management
Portfolios track customer investments:- Multiple Portfolios - Customers can have multiple investment portfolios
- Investment Details - Track amount invested, total payable, APY, and product information
- Maturity Tracking - Monitor request dates and due dates for each investment
- Performance Metrics - View total investments and accrued interest across all portfolios
Learn More
Understand portfolio tracking and management features.
Interest Accrual
The platform automatically calculates and accrues interest:- APY-Based Calculation - Interest calculated based on Annual Percentage Yield
- Automatic Accrual - Interest accrues automatically based on product terms
- Total Tracking - View total interest accrued across all investments
- Currency-Specific - Interest tracked per currency
Learn More
Explore interest calculation and performance tracking.
Investment Application Process
1. Browse Products & Get Quote
Customers explore available investment products:- View product details, APY, and terms
- Get quotes for specific number of units
- Review total amount, fees, and investing amount
- Compare different products
2. Submit Investment Application
Customers submit investment applications:- Select investment product
- Specify number of units to purchase
- Provide customer information
- Application is processed
3. Wallet Creation & Funding
When an investment application is submitted:- A wallet account is automatically created for the customer
- The wallet is created in the currency of the investment product
- Customers can fund their wallet to cover the investment amount
- Once funded, the investment is processed and portfolio created
4. Portfolio Management
Customers can:- View all their investment portfolios
- Track total investments across all products
- Monitor interest accrued
- View individual portfolio details (amount invested, total payable, APY, maturity dates)
View Complete Flow
Detailed step-by-step investment process flow.
Supported Features
Product Types
- Fixed Investments - Corporate bonds with fixed terms and returns
- Dynamic Investments - Mutual funds with variable returns
- Risk-Based Options - Conservative, Moderate, and Aggressive investment profiles
Quote System
- Real-time quote calculation
- Fee transparency
- Unit-based pricing
- Total cost breakdown
Dashboard & Analytics
- Total investments tracking
- Interest accrued monitoring
- Portfolio performance metrics
- Multi-currency support
Learn More
Explore investment analytics and performance tracking.
Integration Quick Start
Before you begin:Review API Documentation
Familiarize yourself with our Investment API Reference.
Understand the Flow
Read through the Account Opening process to understand the complete investment journey.
Complete API Reference
Explore all available investment endpoints with request/response examples.
Testing & Sandbox
We provide a full-featured sandbox environment for testing:- Sandbox URL:
https://test-investment-products-service.fincode.software - Test credentials: Provided upon registration
- Mock transactions: Simulate investment operations
- No real money: All transactions are simulated
Integration Models
We support flexible integration approaches:- Full Customer Journey
- API-Only Integration
End-to-End Integration
Build the complete investment experience within your application, managing the entire customer journey from wallet creation to portfolio management.Flow:- Customer registration and KYC
- Wallet creation and funding
- Product selection and quote
- Investment application submission
- Portfolio management and tracking