Architecture

Wealthy Platform Architecture

Technology Stack

Backend Technologies

• Go (Golang) - Primary backend language for microservices
• Python - Backend services and data processing
• GraphQL - API query language with schema stitching via Stitcher service
• REST APIs - Traditional API architecture for service communication

Frontend Technologies

• React - Web applications and user interfaces
• Flutter - All mobile applications (iOS and Android)
• JavaScript/TypeScript - Frontend development and tooling

Mobile Applications

• All Mobile Apps: Built with Flutter for cross-platform compatibility
• Hive: Client application for end users
• Hail: Partner application for financial advisors

Web Applications

• React-based: All web frontends including Alpha (main platform), Alchemy (investment interface), Scepter (partner portal), internal tools

Databases & Storage

• Cloud SQL - MySQL and PostgreSQL for relational data
• MongoDB - Document storage for partner revenue and KYC data
• Redis - Caching and session management
• Clickhouse - Analytics and time-series data

Infrastructure & DevOps

• Kubernetes (GKE) - Container orchestration on Google Cloud Platform
• Docker - Containerization with AWS ECR for image registry
• ArgoCD - GitOps continuous deployment
• Kong Gateway - API gateway with custom authentication
• WealthyGateway - Custom API gateway (next-generation replacement for Kong)

Monitoring & Observability

Application Monitoring Flow

Apps (OTEL SDKs) → OTEL Agent (Daemon) → Victoria Metrics → Grafana (Charts & Dashboards)

Components

• OpenTelemetry SDKs: Embedded in applications for telemetry collection
• OTEL Agent: Running as daemon on each node to collect and forward metrics
• Victoria Metrics: Time-series database for storing application metrics and performance data
• Grafana: Visualization layer for charts, dashboards, and alerting

Application Metrics

• Performance Metrics: Response times, throughput, error rates
• Business Metrics: Transaction volumes, user activity, revenue tracking
• Infrastructure Metrics: CPU, memory, network, disk usage
• Custom Metrics: Application-specific KPIs and operational metrics

Database Monitoring

• Google Cloud Metrics: Direct monitoring of Cloud SQL instances
• Built-in Observability: Native GCP monitoring for database performance, connections, and resource utilization
• Query Performance: Slow query analysis and database optimization insights

Logging Infrastructure

• Google Cloud Logging: Centralized log aggregation and storage
• Application Logs: All service logs sent directly to Google Cloud Logging
• Structured Logging: JSON-formatted logs for better searchability and analysis
• Log Retention: Configurable retention policies based on compliance requirements

Alerting & Notifications

• Grafana Alerts: Real-time alerting based on metric thresholds
• Multi-channel Notifications: Email, SMS, and webhook integrations
• Escalation Policies: Tiered alert escalation for critical issues
• On-call Management: Integration with incident response workflows

Product Management

• Broking
  • Falcon - Broking Middleware
  • Feeds - For WebSocket and feeds
  • Atlas - Broking backoffice
• Mutual Funds
  • Taxy - Mutual fund order and basket system
  • Feeder - Mutual fund backoffice
  • Grock - New upgraded mutual fund system
• Insurance
  • Sparta - Insurance backend for quotes and online proposals
  • Entreat - Insurance order system that handles orders from both Sparta and offline sales
• PMS/Unlisted/Bonds
  • Entreat - Common backend for other products

Other Services

• Metahouse - All metadata of the products. Mutual funds, stocks, insurance, rate etc are all maintained in metahouse
• Midas - Watchlist, screeners, and basket management service. Extension of Metahouse
• Scout - Search service for all searches across apps
• Skynet + Pager - Communication platform. Connects to SES (email) and Whistl (WhatsApp, SMS)
• WealthyAI - Common AI platform for agent creation and management. Chat with agents for support team. Uses VertexAI from GCP
• Delta - Reporting service. All products use metrics from Delta
• Starlink - In-house CRM backend
• Garage - Backend for OPS
• Partner Management
  • Hydra - Partner backend
  • Partner Microsite
• Hagrid - User profile management (e.g., MF profile, broking profile, bank account, address, etc.)
• Nova - Extension of Hagrid for customized APIs for apps
• Collector - Payment and Mandate management service
• CRS - Revenue calculation service
• Email Store - Store forwarded emails and make email addresses available as APIs
• Microverse - URL shortener service
• Phaser - External portfolio management service. Tracks external mutual funds, connects to MF Central
• Quinjet - Proposal management service. All product proposals are managed in Quinjet
• Shifu - Event and webinar management. Connects to Zoom APIs for video conferencing
• Tagmaster - Tag management service (powers poster gallery)
• Wealthy CDN - CDN service (powers poster gallery)
• WealthyPress - CMS
• KYC - Common KYC service for all KYC needs
• Santa - Reward System
• Fury - Client Auth and Family Management
• Stitcher - GraphQL schema stitching service that takes GraphQL schemas from different services and stitches them together
• WealthyGateway - Custom API gateway with advanced features like rate limiting, geo blocking, and custom logic. Currently used for aiapis.wealthy.in and planned to replace Kong in the future

Open Source Services

• Airflow
• Temporal
• Grafana
• Victoria Metrics
• Trino
• Metabase
• Superset
• Plane
• Redis
• OpenTelemetry agents
• Kong with custom chirp plugin for auth
• Clickhouse
• Mongo
• ArgoCD
• Typesense

Cloud Services + External Services

• SES from AWS
• SQS from AWS
• Kinesis from AWS
• Cloud SQL for MySQL and PostgreSQL from GCP
• Load Balancer from GCP
• AWS Lambda
• Github
• Cloudflare (DNS + DDoS protection)
• AWS ECR - docker repository
• AWS CodeDeploy + CodeBuild - Code build and deployment
• Redis Cache from GCP
• GKE - from GCP

User Profile Management

A user can be added by the following methods:

• Directly Signup
• Added by Partner
• Added by a family member As soon as a user is added, an entry is created in Fury. All authentication is driven from Fury.

When a user starts product onboarding, the profile is created in Hagrid and a KYC link is generated in KYC. Once the user finishes KYC and profile setup, they can trade or purchase mutual funds.

KYC External Integrations:

Identity Verification & Document Services:

• CVL - Identity verification with REST APIs (token, status-check, download, upload) and deprecated SOAP APIs
• Signzy - PAN seeding (verify-pan) for identity verification
• Setu - RPD (Recurring Payment Data) services

Digital KYC & Document Processing:

• Digio - Comprehensive digital verification platform:
  • DigiLocker integration (PAN, Aadhaar, AadhaarXML)
  • Selfie capture and verification
  • Face matching services
  • eSign (with/without PDF, NRI support without external PDF generation)
  • Specimen signature verification
  • PAN seeding (2 variations)
  • Penny drop verification

Bank Verification:

• Cashfree - Penny drop bank account verification
• Razorpay - IFSC search and validation
• ifsc.bankifsccode.com - IFSC scraping as fallback service

Regulatory & Registry:

• CAMS - KYC data push to mutual fund registry with REST APIs (token, status-check, download, upload-new, upload-modifications)
• amfiindia.com - ARN (AMFI Registration Number) scraper for regulatory compliance

Search

Scout queries data from Metahouse, partner backend, and Delta to create collections in Typesense, which powers all searches in apps.

Broking/Trading

Once a user is broking-enabled in Hagrid, they can place orders in Falcon. OMS/RMS is a third-party system called Kambala.

End-of-day (EOD) files are received from exchanges and then uploaded to Atlas.

Partner

Partner authentication is driven by Hydra. Mapping of users with partners is maintained in Hydra in the customers table. Partner office management is done in Hydra. Revenue is synced from CRS to Hydra for each partner client mapping and stored in MongoDB. Partner payouts are managed and paid from Hydra on the 15th and 30th of every month via Cashfree.

Database Storage:

• Partner service (Hydra): Revenue data in MongoDB, other operations in Cloud SQL (MySQL)
• KYC service: MongoDB

CRM / Partner Support

Each partner is mapped to a Wealthy support member in Starlink. PST = Partner Support Team.

Reporting + AUM

Delta keeps syncing data from all other services.

Sources:

• MF orders - Taxy
• Broking - Atlas
• Profiles - Hagrid
• Fund/Stock data - Metahouse
• PST data - Starlink

Payment Collection

All payments for broking and mutual funds are collected in Collector. It connects with Razorpay, Pine Labs, HDFC, etc.

Primary Communication Patterns

External Traffic Flow

• Cloudflare provides DNS management and DDoS protection for all domains
• External domains route through Cloudflare:
  • Kong Gateway: api.buildwealth.in, api.grage.in, mapi.wealthy.in, graph.grage.in, graph.wealthy.in, graph.buildwealth.in → Kong Gateway (port 8000)
  • WealthyGateway: aiapis.wealthy.in → WealthyGateway (custom gateway with rate limiting, geo blocking)
• Kong routes requests based on URL patterns and authentication:
  • REST API requests to specific internal services
  • GraphQL endpoints (graph.*) to Stitcher which stitches schemas from multiple services
• WealthyGateway is the future replacement for Kong, offering advanced features and custom logic

Internal Service Communication

Services communicate using Kubernetes internal DNS (service.namespace.svc.cluster.local):

Core Service Dependencies:

• Scout → Queries Metahouse, Delta, and partner backends → Creates collections in Typesense for search
• Delta → Syncs data from Taxy (MF orders), Atlas (broking), Hagrid (profiles), Metahouse (fund/stock data), Starlink (PST data)
• Falcon → Connects to external Kambala OMS/RMS system for broking operations
• Hydra → Manages partner authentication, customer mapping, revenue sync from CRS
• Collector → Integrates with external payment providers (Razorpay, Pine Labs, HDFC)
• Hagrid → Creates user profiles, integrates with KYC service for verification

Service Mesh Architecture

• Istio VirtualServices handle internal routing between services
• Kong Gateway with custom Chirp plugin provides authentication and external API access
• Services organized by namespace: apps, broking, tools, reporting, communication, gateway

External Integrations

• Broking: Kambala OMS/RMS, exchanges for EOD files
• Payments: Razorpay, Pine Labs, HDFC, Cashfree
• KYC & Verification: CVL (identity verification APIs), CAMS (KYC registry with REST APIs), Digio (comprehensive digital KYC platform), Signzy (PAN seeding), Setu (RPD), Cashfree/Razorpay (bank verification), amfiindia.com (ARN scraping)
• Communication: SES (email via Skynet), Whistl (WhatsApp, SMS via Skynet), Zoom (video conferencing via Shifu)
• Portfolio Management: MF Central (external mutual fund data via Phaser)
• Infrastructure: AWS (SES, SQS, Kinesis, Lambda, ECR, Secrets Manager), GCP (Cloud SQL, Redis, GKE, VertexAI), Cloudflare
• Data: Redis clusters for caching, MongoDB for partner revenue and KYC data, Cloud SQL for partner backend operations
• Security: AWS Secrets Manager (centralized secrets storage), Pritunl VPN (self-hosted internal access)

Deployment

Each developer forks the main repository and creates a Pull Request (PR). Once merged, the developer triggers code deployment in AWS. The system picks from the master branch in the GitHub repository, builds and creates a Docker image, and pushes to ECR. Then ArgoCD is triggered post-push to ECR, which deploys to Kubernetes (GKE).

Frontend Applications

The Wealthy platform includes numerous web-based frontend applications:

Main Platform Applications

• Alpha - Main website and primary web platform
• Alchemy - Stock pages and investment interface (wealthy.in/invest)
• Scepter - Partner web application (app.buildwealth.in)
• Tesseract - Broking terminal for trading operations

Internal Tools & Operations

• Pulse - Operations UI (dpulse.grage.in)
• Teams - New CRM system
• Sorcery - AI user interface
• Ghost Editor - Marketing tool UI

Specialized Applications

• KYC-Frontend - Know Your Customer interface
• Valkyrie - New proposal management system
• Goku - Insurance application interface
• Charts - TradingView charts integration
• Report-generator - Report generation interface

Shared Components

• Pulsor - Common UI package for partner UI and Pulse
• UI-Blocks - UI utilities used across multiple applications
• Frontend Models - Common models for React projects
• Metaforms - Backend-driven forms (used in KYC, insurance, proposals)

Mobile Applications

The platform includes Flutter-based mobile applications:

Hive - Client Application

• Platform: Flutter (iOS & Android)
• Target Users: End clients and retail investors
• Key Features: Investment management, stock trading, mutual funds, insurance, KYC, payments, real-time market data

Hail - Partner Application

• Platform: Flutter (iOS & Android)
• Target Users: Financial advisors and business partners
• Key Features: Client management, commission tracking, investment advisory, business analytics, lead generation