Whitelabel Solution (Planned)

Whitelabel Solution (Planned)

Vision

The proposed Wealthy whitelabel solution would enable larger partners (AUM > 100cr) to maintain their brand identity while leveraging the Wealthy platform infrastructure. Wealthy would operate as the backend platform while the partner’s brand remains visible to clients.

Business Overview (Proposed)

Target Partners

• Partners with AUM exceeding 100 crores
• Partners requiring brand preservation across all client touchpoints

Value Proposition (Proposed)

For Partners:

• Maintain brand identity and client relationships
• Reduced time-to-market with proven infrastructure
• Focus on business growth while Wealthy handles technology
• Built-in compliance and regulatory adherence

For Wealthy:

• Expand platform reach through partner networks
• Leverage existing infrastructure efficiently
• Strengthen partner relationships

Proposed Client Experience

Partners would get complete branding across:

• Mobile App: Partner-themed app (launched on Wealthy’s playstore or partner’s own playstore)
• Communications: All SMS, WhatsApp, emails from partner identity
• URLs: Onboarding, proposals, reports on partner domains
• Legal Pages: T&C, Privacy Policy with partner branding
• Reports: Partner-branded report templates and URLs

Client Journey:

1. Discovery through partner app or onboarding links
2. Signup via partner-branded URLs
3. Complete app experience under partner branding
4. All communications from partner identity
5. Seamless partner-branded journey throughout

Partner Onboarding Process

1. Qualification: AUM verification (>100cr), business assessment
2. Setup: Domain configuration, brand assets collection, communication providers
3. Configuration: Portal settings, DNS setup, template creation
4. Testing: App, communication, URLs, end-to-end validation
5. Launch: Deployment, migration (if applicable), monitoring

Operational Requirements

Marketing Team:

• Create SMS/WhatsApp templates per partner (significant effort)
• Content approval workflows
• Compliance verification per partner

Technical Team:

• Domain configuration support
• SSL certificate monitoring
• App deployment and configuration management

Business Team:

• Partner qualification and enablement decisions
• Commercial negotiations
• Ongoing relationship management

Current Implementation Status

What’s Built (Proof of Concept)

• One Partner Microsite: Single partner website implementation
• Basic Authentication: Signup/login APIs on partner domain
• SSL Management: Caddy with Let’s Encrypt for automatic certificates
• Domain Routing: Basic custom domain support

What’s Not Yet Implemented

• Multi-tenant communication system
• Partner-branded mobile apps
• Complete URL management system
• Multi-partner configuration portal
• Partner-specific push notifications
• Whitelabel access control enforcement
• Partner branding configuration UI

Proposed Technical Implementation

Planned Mobile Application Options

Option 1: Partner’s Own Playstore (Proposed)

• React Native for remote code push
• Partner manages app listing and distribution
• Complete brand control

Option 2: Wealthy Common Playstore (Proposed)

• Existing app with feature flags
• Theme support for partner branding
• Shared codebase with partner configurations

Planned Communication System

Multi-Tenant Architecture (Proposed):

• New partner-client tenant model
• Templates with dynamic placeholders (logo, footer, brand content)
• Partner-specific SMS, WhatsApp, and Email providers
• Communications sent through partner’s provider credentials

URL and Domain Management

Custom Domains:

• Proposal URLs: Partner-specific generation links
• Deep Links: mylinks.{partner-domain.com}/{url}
• Onboarding Links: Custom branded signup flows
• Report URLs: Partner-branded report templates and URLs

Domain Setup:

• Wealthy manages domain access OR partner configures DNS
• Configuration through Partner Branding section
• SSL certificates automated via Caddy and Let’s Encrypt

Regulatory Pages

Partner Microsite feature manages:

• Terms & Conditions
• Privacy Policy
• Regulatory disclosures
• Used in app links, communications, and web platform

Access Control

• Wealthy app login disabled for whitelabel clients
• Enforced partner app usage only
• Clean separation between standard and whitelabel clients

Push Notifications

Skynet Integration:

• Token storage system for multiple apps
• Partner-specific notification routing
• Supports simultaneous whitelabel apps

Authentication Architecture

Partner Microsite System:

• Manages partner websites (Go-based)
• Extended for signup and login APIs
• Caddy handles SSL via Let’s Encrypt
• Multi-domain support with automatic certificates

Authentication Flow:

Signup/Login: Partner Microsite APIs (partner domain)

• Initial authentication through partner-branded URLs
• Token generation via partner domain

Post-Authentication: Direct Wealthy API calls

• All product APIs call api.wealthy.in directly
• No data separation - data resides with Wealthy
• Token-based authentication for all subsequent requests

Broking Login: Web-based flow

• Web login generates token
• Native app calls with generated token

Configuration Management

Partner Portal Settings (Partner Branding section):

• Domain settings
• Brand assets (logos, colors, themes)
• Communication preferences
• App configuration

Enablement Process:

1. Business team evaluates partner (AUM, value)
2. Whitelabel enabled for partner
3. Configuration settings visible in portal
4. Partner completes setup
5. Technical validation
6. Activation

Key Services Modified

• Partner Microsite: Authentication APIs
• Communication System: Multi-tenant templates and providers
• Skynet: Multi-app push notifications
• Caddy: SSL and domain routing
• Mobile Apps: Theme and feature flags

Security & Compliance

• Data stored centrally with Wealthy (no data separation)
• Partner-specific access controls and audit trails
• Separate authentication flows per partner domain (signup/login only)
• All subsequent API calls to api.wealthy.in with token-based auth
• Regulatory compliance per partner

Infrastructure

• Cloudflare-backed API (api.wealthy.in) for global performance
• Only frontends and communication system are whitelabel-specific
• Backend APIs and data storage remain consistent
• Configuration-driven customization reduces development overhead