The flow covers Product Selection, Quote, Investment Application, Wallet Creation, Funding, and Portfolio Management.
Phase 1: Product Selection & Quote
3.1 Browse Products & Get Quote
Customers explore available investment products and get quotes for specific unit purchases.Quote Process Steps
Select Product
Customer browses and selects an investment product (Fixed Deposit, Mutual Fund, etc.).
Get Quote
System calculates and returns:
- Total Amount (including fees)
- Fees Breakdown
- Investing Amount
- Per Unit Price
Phase 2: Investment Application
4.1 Submit Investment Application
Customers submit investment applications with product and unit details.Application Steps
Provide Investment Details
Customer provides:
- Investment Product ID
- Number of Units to Purchase
- Customer ID
- Customer Name
- Wallet ID (source of funds)
Validate & Process
System validates:
- Wallet has sufficient balance
- Product is available
- Customer is eligible
Create Portfolio
System creates investment portfolio and:
- Debits wallet with investment amount
- Creates portfolio record
- Sets up interest accrual
- Records investment details
Phase 3: Wallet Creation & Funding
3.1 Automatic Wallet Creation
When an investment application is submitted, a wallet account is automatically created for the customer.The wallet is automatically created in the currency of the investment product. No customer action is required for wallet creation.
3.2 Fund Wallet
After the wallet is created, customers fund it to cover the investment amount.Funding Steps
Phase 4: Portfolio Management
5.1 View Portfolios & Track Performance
Customers can view all their investment portfolios and track performance.Portfolio Management Steps
View Portfolios
Customer can view all their investment portfolios with details:
- Investment Amount
- Total Payable
- APY (Annual Percentage Yield)
- Product Information
- Request Date & Due Date
- Maturity Information
Track Performance
Customer can view:
- Total Investments across all products
- Total Interest Accrued
- Individual Portfolio Performance
- Maturity Dates
Complete Investment Flow
Key Concepts
Investment Products
- Fixed Investments: Corporate bonds with fixed terms and returns
- Dynamic Investments: Mutual funds with variable returns
- Risk Profiles: Conservative, Moderate, and Aggressive options
- Unit-Based: Investments made in units with per-unit pricing
Interest Accrual
- APY-Based: Interest calculated using Annual Percentage Yield
- Automatic: Interest accrues automatically based on product terms
- Real-Time: Interest tracked and updated in real-time
- Currency-Specific: Interest tracked per currency
Portfolio Tracking
- Multiple Portfolios: Customers can have multiple investment portfolios
- Performance Metrics: Track investments, returns, and maturity
- Dashboard View: Consolidated view of all investments
- Real-Time Updates: Portfolio data updated automatically
Learn More
Explore detailed portfolio management features.
View API Reference
See all available investment API endpoints.