The trading flow covers Quote Generation, Application Submission, Execution, Portfolio Creation, and Interest Accrual.
Trading Flow Overview
The investment trading flow enables customers to execute investments seamlessly through a quote-based system that provides transparency and real-time pricing.Phase 1: Quote Generation
1.1 Request Investment Quote
Customers request quotes for specific investment products and unit quantities.Get Quote
Get real-time investment quote
Quote Components
The quote includes:- Product Information: Product name, type, and details
- Unit Price: Price per unit of the investment
- Number of Units: Quantity requested
- Fees: Applicable fees for the investment
- Total Amount: Total cost including fees
- Investing Amount: Net amount to be invested
Quotes are calculated in real-time based on current product pricing and fee structures. Quote validity may vary by product.
Phase 2: Application Submission
2.1 Submit Investment Application
After reviewing the quote, customers submit their investment application.Create Investment Application
Submit investment application
Application Validation
The system validates:- Product Availability: Product is active and available
- Unit Quantity: Valid number of units requested
- Customer Eligibility: Customer meets product requirements
- Quote Accuracy: Application matches recent quote
After validation, a wallet is automatically created for the customer. The customer then needs to fund the wallet to complete the investment.
Phase 3: Wallet Funding & Execution
3.1 Fund Wallet
After the wallet is automatically created, the customer funds it to complete the investment.Execution Steps
Wallet Created
A wallet account is automatically created when the investment application is submitted.
Create Portfolio Record
System creates a portfolio entry with:
- Investment amount
- Number of units
- Product details
- APY (Annual Percentage Yield)
- Request date
- Maturity date
- Total payable
Initialize Interest Accrual
System sets up automatic interest calculation and accrual based on product APY.
Phase 4: Interest Accrual
4.1 Automatic Interest Calculation
The system automatically calculates and accrues interest based on product terms.Interest Calculation
Interest accrual follows these principles:- APY-Based: Uses Annual Percentage Yield for calculation
- Automatic: Accrues automatically based on product terms
- Periodic: Calculated at defined intervals (daily, monthly, etc.)
- Compounding: May compound based on product configuration
- Currency-Specific: Tracked per currency
Interest accrual is automatic and requires no customer action. Customers can view accrued interest through the dashboard or portfolio details.
Phase 5: Performance Tracking
5.1 Monitor Investment Performance
Customers can track their investment performance through portfolios and dashboard.Performance Metrics
Customers can track:- Investment Amount: Original amount invested
- Accrued Interest: Total interest earned to date
- Total Payable: Total amount including principal and interest
- APY: Annual Percentage Yield of the investment
- Maturity Date: When the investment matures
- Performance: Return on investment percentage
Complete Trading Flow Diagram
Key Trading Concepts
Quote Validity
- Quotes are calculated in real-time
- Quote prices may change based on market conditions
- Customers should submit applications promptly after receiving quotes
- System validates quote accuracy during application processing
Execution Timing
- Applications are processed immediately upon submission
- Portfolio creation happens synchronously
- Interest accrual begins immediately after portfolio creation
- No manual approval required for standard investments
Fee Structure
- Fees are included in the quote
- Fees are deducted from wallet along with investment amount
- Fee structure varies by product type
- Total amount includes all applicable fees
Learn More
Explore portfolio management and tracking features.
View Process Flow
See the complete investment process flow.