> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fincode.technology/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

Welcome to the investment platform documentation. This guide will help you understand how our investment management system works and how to integrate it into your application.

### 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

<CardGroup cols={2}>
  <Card title="Multiple Investment Products">
    Support for various investment products including fixed deposits, mutual funds, and corporate bonds with different risk profiles.
  </Card>

  <Card title="Flexible Investment Options">
    Customers can invest in units, with flexible amounts and product selection based on their risk tolerance.
  </Card>

  <Card title="Automated Interest Calculation">
    Automatic interest accrual and calculation based on product terms and Annual Percentage Yield (APY).
  </Card>

  <Card title="Portfolio Tracking">
    Comprehensive portfolio management with real-time tracking of investments, returns, and maturity dates.
  </Card>

  <Card title="Wallet Integration">
    Secure wallet system for funding investments and receiving returns with multi-currency support.
  </Card>

  <Card title="API-First Design">
    RESTful APIs with comprehensive documentation and sandbox environment for seamless integration.
  </Card>
</CardGroup>

### How It Works

The investment flow consists of four main phases:

<Steps>
  <Step title="Product Selection & Quote">
    Customers browse available investment products, get quotes for specific unit purchases, and review investment terms including fees and expected returns.
  </Step>

  <Step title="Investment Application">
    Customers submit investment applications specifying the product, number of units, and other required details. The system processes and creates the investment portfolio.
  </Step>

  <Step title="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.
  </Step>

  <Step title="Portfolio Management & Returns">
    Customers can track their portfolios, view total investments, monitor interest accrual, and manage multiple investments through a unified dashboard.
  </Step>
</Steps>

<Info>
  For detailed visual flow, see the [Account Opening](/investment/account-opening) and [Portfolio Management](/investment/portfolio-management) pages.
</Info>

### 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

<Card title="Learn More" href="/investment/account-opening">
  Understand how investment products are structured and selected.
</Card>

#### 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

<Card title="Learn More" href="/investment/account-opening">
  Explore wallet creation and management processes.
</Card>

#### 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

<Card title="Learn More" href="/investment/portfolio-management">
  Understand portfolio tracking and management features.
</Card>

#### 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

<Card title="Learn More" href="/investment/performance">
  Explore interest calculation and performance tracking.
</Card>

### 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)

<Card title="View Complete Flow" href="/investment/account-opening">
  Detailed step-by-step investment process flow.
</Card>

### 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

<Card title="Learn More" href="/investment/performance">
  Explore investment analytics and performance tracking.
</Card>

### Integration Quick Start

Before you begin:

<Steps>
  <Step title="Get API Credentials">
    Contact our team to receive your sandbox API keys and base URL.
  </Step>

  <Step title="Review API Documentation">
    Familiarize yourself with our [Investment API Reference](/api/investment/create-investment-application).
  </Step>

  <Step title="Understand the Flow">
    Read through the [Account Opening](/investment/account-opening) process to understand the complete investment journey.
  </Step>
</Steps>

<Card title="Complete API Reference" href="/api/investment/create-investment-application">
  Explore all available investment endpoints with request/response examples.
</Card>

### 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

<Tip>
  Use the sandbox to test all flows, edge cases, and error handling before going live.
</Tip>

### Integration Models

We support flexible integration approaches:

<Tabs>
  <Tab title="Full Customer Journey">
    ### End-to-End Integration

    Build the complete investment experience within your application, managing the entire customer journey from wallet creation to portfolio management.

    **Flow**:

    1. Customer registration and KYC
    2. Wallet creation and funding
    3. Product selection and quote
    4. Investment application submission
    5. Portfolio management and tracking

    **Documentation**:

    * [Account Opening Process](/investment/account-opening)
    * [Create Investment Application API](/api/investment/create-investment-application)
    * [Authentication](/api/auth/login)
  </Tab>

  <Tab title="API-Only Integration">
    ### Direct API Integration

    If you manage your own customer interface, you can integrate our investment APIs directly into your system.

    **Flow**:

    ```
    Your System (Customer Interface) 
           ↓
    Create Wallet & Fund (via API)
           ↓
    Get Quote & Submit Application (via API)
           ↓
    Our System (Processing & Portfolio Creation)
           ↓
    Your System (Receive Updates via Webhooks)
           ↓
    Portfolio Created / Investment Active
    ```

    **What You Handle**:

    * Customer interface and experience
    * Product selection and display
    * Application data collection
    * Portfolio display and notifications

    **What We Handle**:

    * Wallet management
    * Investment processing
    * Interest calculation
    * Portfolio tracking
    * Interest accrual

    <Info>
      All investment operations are accessible via our REST APIs. See the [API Reference](/api/investment/create-investment-application) for details.
    </Info>
  </Tab>
</Tabs>

## Next Steps

<CardGroup cols={2}>
  <Card title="Account Opening" href="/investment/account-opening">
    Understand the complete investment account opening process
  </Card>

  <Card title="Portfolio Management" href="/investment/portfolio-management">
    Learn how to manage and track investment portfolios
  </Card>

  <Card title="Performance Tracking" href="/investment/performance">
    Explore investment performance metrics and analytics
  </Card>

  <Card title="Start Integrating" href="/api/investment/create-investment-application">
    Jump into the API documentation and begin building
  </Card>
</CardGroup>