> ## 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.

# Trading Flow

This guide details the trading and investment execution flow, from quote generation to portfolio creation and interest accrual.

<Note>
  The trading flow covers **Quote Generation**, **Application Submission**, **Execution**, **Portfolio Creation**, and **Interest Accrual**.
</Note>

## 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.

```mermaid theme={null}
flowchart LR
    A[Get Quote] --> B[Review Quote]
    B --> C[Submit Application]
    C --> D[Validate & Execute]
    D --> E[Create Portfolio]
    E --> F[Start Interest Accrual]
    F --> G[Track Performance]
```

## Phase 1: Quote Generation

### 1.1 Request Investment Quote

Customers request quotes for specific investment products and unit quantities.

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

    Customer->>App: Select Product & Units
    App->>API: GET /quote/get-quote/{product-id}/{units}
    API->>ProductService: Get Product Details
    ProductService-->>API: Product Information
    API->>QuoteService: Calculate Quote
    QuoteService->>QuoteService: Calculate Fees
    QuoteService->>QuoteService: Calculate Total
    QuoteService-->>API: Quote Details
    API-->>App: Return Quote
    App-->>Customer: Display Quote
```

<Card title="Get Quote" href="/api/investment/get-quote">
  Get real-time investment quote
</Card>

### 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

<Info>
  Quotes are calculated in real-time based on current product pricing and fee structures. Quote validity may vary by product.
</Info>

## Phase 2: Application Submission

### 2.1 Submit Investment Application

After reviewing the quote, customers submit their investment application.

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

    Customer->>App: Confirm Investment
    App->>API: POST /apply
    API->>InvestmentService: Process Application
    InvestmentService->>InvestmentService: Validate Application
    InvestmentService->>WalletService: Create Wallet Automatically
    WalletService->>WalletService: Generate Account Number
    WalletService-->>InvestmentService: Wallet Created
    InvestmentService-->>API: Application Received
    API-->>App: Wallet Created
    App-->>Customer: Fund Wallet Required
```

<Card title="Create Investment Application" href="/api/investment/create-investment-application">
  Submit investment application
</Card>

### Application Validation

The system validates:

1. **Product Availability**: Product is active and available
2. **Unit Quantity**: Valid number of units requested
3. **Customer Eligibility**: Customer meets product requirements
4. **Quote Accuracy**: Application matches recent quote

<Info>
  After validation, a wallet is automatically created for the customer. The customer then needs to fund the wallet to complete the investment.
</Info>

<Warning>
  If wallet balance is insufficient, the application will be rejected. Ensure the wallet is funded before submitting the application.
</Warning>

## Phase 3: Wallet Funding & Execution

### 3.1 Fund Wallet

After the wallet is automatically created, the customer funds it to complete the investment.

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

    Customer->>App: Fund Wallet
    App->>API: PUT /wallet/fund-wallet/{wallet-id}/{amount}
    API->>WalletService: Process Funding
    WalletService->>WalletService: Credit Wallet
    WalletService-->>API: Funding Confirmed
    API->>InvestmentService: Process Investment
    InvestmentService->>WalletService: Debit Wallet
    WalletService->>WalletService: Process Debit
    WalletService-->>InvestmentService: Debit Confirmed
    InvestmentService->>PortfolioService: Create Portfolio
    PortfolioService->>PortfolioService: Record Investment Details
    PortfolioService->>PortfolioService: Set Maturity Date
    PortfolioService-->>InvestmentService: Portfolio Created
    InvestmentService->>InterestService: Initialize Interest Accrual
    InterestService-->>InvestmentService: Accrual Started
    InvestmentService-->>API: Investment Complete
    API-->>App: Portfolio Created
    App-->>Customer: Investment Active
```

### Execution Steps

<Steps>
  <Step title="Wallet Created">
    A wallet account is automatically created when the investment application is submitted.
  </Step>

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

  <Step title="Debit Wallet">
    System debits the investment amount (including fees) from the customer's wallet.
  </Step>

  <Step title="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
  </Step>

  <Step title="Initialize Interest Accrual">
    System sets up automatic interest calculation and accrual based on product APY.
  </Step>

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

## Phase 4: Interest Accrual

### 4.1 Automatic Interest Calculation

The system automatically calculates and accrues interest based on product terms.

```mermaid theme={null}
sequenceDiagram
    participant InterestService
    participant PortfolioService
    participant Database

    loop Daily/Periodic Accrual
        InterestService->>PortfolioService: Get Active Portfolios
        PortfolioService-->>InterestService: Portfolio List
        InterestService->>InterestService: Calculate Interest
        InterestService->>InterestService: Apply APY Formula
        InterestService->>Database: Update Accrued Interest
        Database-->>InterestService: Updated
    end
```

### 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

<Info>
  Interest accrual is automatic and requires no customer action. Customers can view accrued interest through the dashboard or portfolio details.
</Info>

## Phase 5: Performance Tracking

### 5.1 Monitor Investment Performance

Customers can track their investment performance through portfolios and dashboard.

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

    Customer->>App: View Portfolios
    App->>API: GET /portfolios/{customer-id}
    API->>PortfolioService: Fetch Portfolios
    PortfolioService->>InterestService: Get Accrued Interest
    InterestService-->>PortfolioService: Interest Data
    PortfolioService-->>API: Portfolio with Interest
    API-->>App: Return Data
    App-->>Customer: Display Performance

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

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

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

### 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

```mermaid theme={null}
flowchart TD
    Start([Customer Ready to Invest]) --> GetQuote[Get Quote]
    GetQuote --> ReviewQuote{Review Quote}
    ReviewQuote -->|Accept| SubmitApp[Submit Application]
    ReviewQuote -->|Reject| GetQuote
    SubmitApp --> Validate{Validate Application}
    Validate -->|Valid| CreateWallet[Create Wallet Automatically]
    Validate -->|Invalid| Error[Return Error]
    CreateWallet --> FundWallet[Fund Wallet]
    FundWallet --> CheckBalance{Wallet Balance<br/>Sufficient?}
    CheckBalance -->|Yes| DebitWallet[Debit Wallet]
    CheckBalance -->|No| FundWallet
    DebitWallet --> CreatePortfolio[Create Portfolio]
    CreatePortfolio --> StartAccrual[Start Interest Accrual]
    StartAccrual --> Confirm[Send Confirmation]
    Confirm --> Track[Track Performance]
    Track --> End([Investment Active])
    Error --> GetQuote
```

## 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

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

<Card title="View Process Flow" href="/investment/process-flow">
  See the complete investment process flow.
</Card>