> ## 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.

# Process Flow

This guide details the complete customer journey for investment management, from product selection to portfolio management and returns.

<Note>
  The flow covers **Product Selection**, **Quote**, **Investment Application**, **Wallet Creation**, **Funding**, and **Portfolio Management**.
</Note>

## Phase 1: Product Selection & Quote

### 3.1 Browse Products & Get Quote

Customers explore available investment products and get quotes for specific unit purchases.

```mermaid theme={null}
sequenceDiagram
    participant Customer
    participant App
    participant API
    participant QuoteService

    Customer->>App: View Products
    Note right of Customer: Browse available investment products
    Customer->>App: Select Product & Units
    App->>API: GET /quote/get-quote/{product-id}/{units}
    API->>QuoteService: Calculate Quote
    QuoteService-->>API: Return Quote Details
    API-->>App: Quote with Fees & Total
    App-->>Customer: Display Quote
```

<CardGroup cols={2}>
  <Card title="Get Quote" href="/api/investment/get-quote">
    Get investment quote for units
  </Card>
</CardGroup>

#### Quote Process Steps

<Steps>
  <Step title="Select Product">
    Customer browses and selects an investment product (Fixed Deposit, Mutual Fund, etc.).
  </Step>

  <Step title="Specify Units">
    Customer specifies the number of units they want to purchase.
  </Step>

  <Step title="Get Quote">
    System calculates and returns:

    * **Total Amount** (including fees)
    * **Fees Breakdown**
    * **Investing Amount**
    * **Per Unit Price**
  </Step>

  <Step title="Review Quote">
    Customer reviews the quote and decides whether to proceed with the investment.
  </Step>
</Steps>

## Phase 2: Investment Application

### 4.1 Submit Investment Application

Customers submit investment applications with product and unit details.

```mermaid theme={null}
sequenceDiagram
    participant Customer
    participant App
    participant API
    participant InvestmentService

    Customer->>App: Submit Application
    App->>API: POST /apply
    API->>InvestmentService: Process Application
    InvestmentService->>InvestmentService: Validate Wallet Balance
    InvestmentService->>InvestmentService: Create Portfolio
    InvestmentService->>InvestmentService: Debit Wallet
    InvestmentService-->>API: Portfolio Created
    API-->>App: Application Confirmed
    App-->>Customer: Investment Active
```

<CardGroup cols={2}>
  <Card title="Create Investment" href="/api/investment/create-investment-application">
    Submit investment application
  </Card>
</CardGroup>

#### Application Steps

<Steps>
  <Step title="Provide Investment Details">
    Customer provides:

    * **Investment Product ID**
    * **Number of Units to Purchase**
    * **Customer ID**
    * **Customer Name**
    * **Wallet ID** (source of funds)
  </Step>

  <Step title="Validate & Process">
    System validates:

    * Wallet has sufficient balance
    * Product is available
    * Customer is eligible
  </Step>

  <Step title="Create Portfolio">
    System creates investment portfolio and:

    * Debits wallet with investment amount
    * Creates portfolio record
    * Sets up interest accrual
    * Records investment details
  </Step>

  <Step title="Confirmation">
    Customer receives confirmation with portfolio ID and investment details.
  </Step>
</Steps>

## 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.

```mermaid theme={null}
sequenceDiagram
    participant Customer
    participant App
    participant API
    participant InvestmentService
    participant WalletService

    Customer->>App: Submit Investment Application
    App->>API: POST /apply
    API->>InvestmentService: Process Application
    InvestmentService->>WalletService: Create Wallet Automatically
    WalletService->>WalletService: Generate Account Number
    WalletService->>WalletService: Create Wallet Record
    WalletService-->>InvestmentService: Wallet Created
    InvestmentService-->>API: Wallet Ready
    API-->>App: Application Received
    App-->>Customer: Wallet Created
```

<Info>
  The wallet is automatically created in the currency of the investment product. No customer action is required for wallet creation.
</Info>

### 3.2 Fund Wallet

After the wallet is created, customers fund it to cover the investment amount.

```mermaid theme={null}
sequenceDiagram
    participant Customer
    participant App
    participant API
    participant WalletService

    Customer->>App: Fund Wallet Request
    App->>API: PUT /wallet/fund-wallet/{wallet-id}/{amount}
    API->>WalletService: Process Funding
    WalletService->>WalletService: Validate Wallet
    WalletService->>WalletService: Credit Wallet
    WalletService->>WalletService: Update Balance
    WalletService-->>API: Funding Confirmed
    API-->>App: Return Success
    App-->>Customer: Balance Updated
```

<CardGroup cols={2}>
  <Card title="Fund Wallet" href="/api/investment/fund-wallet">
    Add funds to investment wallet
  </Card>
</CardGroup>

#### Funding Steps

<Steps>
  <Step title="Wallet Available">
    Wallet is automatically created when investment application is submitted.
  </Step>

  <Step title="Fund Wallet">
    Customer adds funds to the wallet to cover the investment amount (including fees).
  </Step>

  <Step title="Process Investment">
    Once wallet is funded, the investment is processed and portfolio is created.
  </Step>
</Steps>

## Phase 4: Portfolio Management

### 5.1 View Portfolios & Track Performance

Customers can view all their investment portfolios and track performance.

```mermaid theme={null}
sequenceDiagram
    participant Customer
    participant App
    participant API
    participant PortfolioService

    Customer->>App: View Portfolios
    App->>API: GET /portfolios/{customer-id}
    API->>PortfolioService: Fetch Portfolios
    PortfolioService-->>API: Return Portfolio List
    API-->>App: Portfolio Details
    App-->>Customer: Display Portfolios

    Customer->>App: View Dashboard
    App->>API: GET /get-total/{user-id}
    API->>PortfolioService: Calculate Totals
    PortfolioService-->>API: Total Investments & Interest
    API-->>App: Dashboard Data
    App-->>Customer: Display Summary
```

<CardGroup cols={2}>
  <Card title="List Portfolios" href="/api/investment/list-portfolios">
    View all investment portfolios
  </Card>

  <Card title="Get Total Investments" href="/api/investment/get-total-investments">
    View dashboard summary
  </Card>
</CardGroup>

#### Portfolio Management Steps

<Steps>
  <Step title="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**
  </Step>

  <Step title="Track Performance">
    Customer can view:

    * **Total Investments** across all products
    * **Total Interest Accrued**
    * **Individual Portfolio Performance**
    * **Maturity Dates**
  </Step>

  <Step title="Monitor Returns">
    System automatically:

    * Calculates and accrues interest
    * Updates portfolio balances
    * Tracks maturity dates
    * Provides performance metrics
  </Step>
</Steps>

## Complete Investment Flow

```mermaid theme={null}
flowchart TD
    A[Start] --> B{Browse Products}
    B --> C[Get Quote]
    C --> D{Review Quote}
    D -->|Proceed| E[Submit Application]
    D -->|Cancel| B
    E --> F[Wallet Created Automatically]
    F --> G[Fund Wallet]
    G --> H{Validation}
    H -->|Success| I[Portfolio Created]
    H -->|Insufficient Funds| G
    I --> J[Track Portfolio]
    J --> K[Monitor Returns]
    K --> L[View Dashboard]
    L --> M[End]
```

## 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

<Card title="Learn More" href="/investment/portfolio-management">
  Explore detailed portfolio management features.
</Card>

<Card title="View API Reference" href="/api/investment/create-investment-application">
  See all available investment API endpoints.
</Card>