Automating digital gold savings for a regional fintech

A regional fintech wanted to offer monthly digital gold savings to its customer base — but the team’s existing tooling was built for hundreds of customers, not tens of thousands. KYC was manual. Reconciliation was a spreadsheet ritual. Schemes lived in someone’s memory.

Scaling on top of that stack was not just slow — it was a compliance risk.

A compliance-ready digital gold savings platform with three personas — customer (mobile-first), operator (web), and auditor (read-only) — all sharing a single source of truth.

• Live bullion-linked pricing with explicit settlement windows.
• KYC modeled as a state machine, with evidence storage and audit replay.
• Scheme designer — monthly SIP plans and wealth schemes as first-class entities.
• Payment + payout integrations with explicit reconciliation guarantees.
• Auditor accounts as a first-class user type, not an afterthought.

We shipped the operator console first — because operations was the bottleneck. Then the customer mobile app, then the auditor surface. Three surfaces, one design system, one API.

AI assists were integrated from week one — drafting customer outreach, flagging anomalous accumulation patterns, and summarising scheme performance for the leadership team.

Within nine months the platform had onboarded 80,000+ customers. Operational throughput went up 10× without a proportional increase in headcount. KYC time dropped 95%. Audit readiness reached 100% — the auditor surface meant nothing was hidden, ever.