FinTech Web Application Developer

Hi Prashaanth!

Have you already defined the ownership ledger and transaction flow for fractional shares, or would you like the developer to help design that architecture as well?

- How would you like wallet funding and withdrawals to operate? Will the platform integrate with payment gateways for UPI, cards, and net banking, or will payments initially be verified manually by the admin? Additionally, should the wallet maintain a complete transaction ledger, downloadable statements, and support refunds or failed transaction handling?

- For the P2P marketplace, how should share trading function? Can users freely set their own selling price, or will pricing be based on platform-generated valuations? Should the platform automatically match buyers and sellers, charge marketplace fees, partially fill orders, or require admin approval before ownership transfers are completed?

A few questions:
1. Do you already have the UI/UX designs and prototype, or should we design them as well?
2. Which payment gateway and KYC provider are you planning to use?
3. Would you like to start with the web platform first and launch mobile apps in the next phase, or build everything together?

How do you intend to model ownership and financial transactions internally? Will the platform maintain a double-entry ledger as the source of truth for wallet balances, share ownership, distributions, P2P settlements and withdrawals, or are you planning to rely on an external financial or custody provider? This decision will determine the entire backend architecture.
How is dynamic share pricing actually calculated in the detailed specification? The summary mentions a daily cron job, but I'd like to understand whether pricing is driven solely by rental revenue, depreciation, utilisation, market demand, liquidity, or a weighted combination of these factors, as that directly impacts the financial engine.
For TurboFlip investments, what happens if the target vehicle is not fully funded or cannot be sold within the expected timeframe? Are investor funds held in escrow, partially allocated, refundable, or redirected into another opportunity?
How should the P2P marketplace handle settlements? Should ownership transfer immediately after payment, operate through an order-matching engine, or require administrative approval and compliance checks before shares change hands?
Since users are investing real money into revenue-generating assets, has the legal structure already been finalised? Specifically, are investors purchasing beneficial ownership, entering a revenue-sharing agreement, investing through an SPV, or using another regulated investment model? This affects database design, compliance, payout calculations and marketplace functionality.
How should rental income distributions be handled when ownership changes mid-cycle? Should payouts be prorated based on holding periods, snapshot ownership on a specific record date, or calculated using another distribution model?
Is Phase One expected to launch with a production-ready financial platform, including KYC, wallets, P2P marketplace and automated payouts, or are some of these intended to be feature-flagged and enabled after regulatory approval?

Which payment/KYC providers do you prefer for India-based compliance, such as Razorpay/Cashfree for payments and Digio/Signzy for PAN, Aadhaar, and bank verification?

Hi Prashaanth, happy to review and sign the NDA through WorkStream, then look at the full brief.


One technical point we’d want to check early is how you expect ownership and money movement to be recorded. For TurboYield, TurboFlip and the P2P marketplace, should the platform use an internal double-entry ledger as the system of record for wallet balances, share ownership, pending settlements and distributions, or should those records be reconciled against an external custody or payment provider?

A few important questions:

• Which country will the platform initially launch in?
• Have you selected a KYC provider (Signzy, HyperVerge, Digilocker, etc.)?
• Which payment gateway and wallet provider do you intend to use?
• Will fractional ownership require any regulatory compliance or legal approvals in your jurisdiction?
• Is the P2P marketplace included in Phase 1, or planned for a later release?

Hello,

~How will fractional ownership be legally represented and managed?
Will each investment be recorded as actual equity ownership, a contractual revenue-sharing agreement, or a digital asset/token? This impacts the database design, compliance, payout calculations, and P2P marketplace implementation.

~How should dynamic share pricing and secondary marketplace transactions work?
Should share prices be based on a fixed NAV formula, rental performance, supply and demand, or admin-controlled pricing? Additionally, should P2P trades execute instantly with an order-matching engine, or require admin approval and settlement?

Hi,

Thanks for the invite.

A few questions to narrow it down:

1. Will this platform initially launch as a responsive web application, or do you want Flutter apps (Web, iOS & Android) from the first release?

2. Have you already selected payment gateways and KYC providers?

3. Will the platform require integration with any accounting or CRM software?

4. Do you have a preferred cloud provider (AWS, Google Cloud, Azure, etc.)?

5. Is your investment model already reviewed for regulatory compliance in your target market?

One final question—we noticed you've listed a budget of USD 2,000 for the project. Given the scope you've outlined, including the investor platform, KYC, wallet, marketplace, admin console, automation, and payment integrations, we wanted to check whether this is your actual budget or simply a placeholder for the initial screening.

Could you let us know your expected budget for the complete project?

However, since you mentioned having a detailed technical specification and prototype, we'd prefer to review those documents before providing a final fixed-price quotation.

Looking forward to your response.

Best Regards.