System Requirements Document

1. Introduction

WealthOS is a personal wealth-management SaaS designed to provide individual investors with a unified, live view of their entire portfolio, including Indian equities, US stocks, mutual funds, EPF/PPF/NPS, fixed deposits, sovereign gold bonds, and cryptocurrencies. The platform offers automated net-worth tracking, goal planning, and an AI portfolio copilot. This document outlines the system requirements for launching WealthOS in India and the US.

2. System Overview

WealthOS aims to consolidate multiple financial tracking tools into a single platform, targeting DIY retail investors and micro-advisors in India, with plans to expand to US self-directed investors and fee-only advisors. The system will leverage existing prototypes and integrate new features to create a comprehensive, subscription-based service. Ensure the product is fully prepared for deployment as pre-approved by the API supervisor.

3. Functional Requirements

As a DIY Retail Investor:

• I want to view a multi-asset ledger that includes equities (NSE/BSE + US), mutual funds, EPF/PPF/NPS, fixed deposits, sovereign gold bonds, and cryptocurrencies.
• I want to access live pricing for my assets via integrated APIs.
• I want to receive monthly net-worth snapshots with CAGR and goal-tracking features.
• I want to use strategic bucket allocation and visual dashboards for asset management.
• I want to ask natural-language questions to an AI Copilot about my live portfolio.

As a Micro-Advisor:

• I want to manage multiple client portfolios with a white-label mode.
• I want to offer clients a WhatsApp/Telegram bot for quick portfolio queries.

As a System Administrator:

• I want to ensure multi-tenant authentication and per-user data isolation.
• I want to manage billing through Stripe and Razorpay integrations.

As a Premium User:

• I want access to an RSI/momentum screener for advanced asset analysis.
• I want to use a cash-flow and 10-year projection module for financial planning.

Competitive Gaps:

• I want to understand the competitive gaps that WealthOS fills compared to existing solutions.

Entity Choice:

• I want to choose the appropriate legal entity for the business, considering future funding and compliance needs.

Post-MVP Roadmap:

• I want to follow a clear post-MVP roadmap that includes additional features and market expansion plans.

Tax & Compliance Essentials:

• I want to ensure compliance with tax regulations and understand the essentials of GST and other applicable taxes.

4. User Personas

• DIY Retail Investor: Individuals managing their own investments across multiple asset classes.
• Micro-Advisor: Financial advisors managing portfolios for multiple clients.
• System Administrator: Responsible for maintaining system integrity and user management.
• Premium User: Users who require advanced financial analysis tools.

5. Core User Flows

DIY Retail Investor Flow:

1. Log into the WealthOS platform.
2. View the consolidated portfolio dashboard.
3. Access live pricing and net-worth snapshots.
4. Use the AI Copilot for portfolio insights.

Micro-Advisor Flow:

1. Log into the advisor dashboard.
2. Manage client portfolios with white-label features.
3. Set up WhatsApp/Telegram bot for client queries.

6. Visuals Colors and Theme

• Professional blues and teals to convey trust and reliability in financial management.

7. Signature Design Concept

• Clean, intuitive interface with emphasis on data visualization and ease of navigation.

8. Interaction Model & Motion Direction

• Smooth transitions and responsive design to enhance user experience across devices.

9. Non-Functional Requirements

• Ensure data security with end-to-end encryption.
• Ensure the product is fully prepared for deployment as pre-approved by the API supervisor.
• Implement automated daily backups and audit logs.
• Maintain high availability and reliability for financial data access.

10. Tech Stack

• Frontend: React.js with Tailwind CSS.
• Backend: Python with FastAPI.
• Database: PostgreSQL with row-level security.
• Data Feeds: yfinance-style feed, NSE/BSE data provider, MFAPI.in.
• AI Layer: Anthropic API for AI Copilot.
• Infrastructure: Vercel/Render for hosting, managed Postgres, Redis for caching, S3-compatible storage.

11. Assumptions and Constraints

• The platform will initially launch in India, with a phased expansion to the US.
• Compliance with Indian GST and US sales-tax regulations is required.
• The system must handle multi-tenant architecture with secure data isolation.

12. Glossary

• DIY: Do It Yourself
• RIA: Registered Investment Advisor
• NSE/BSE: National Stock Exchange/Bombay Stock Exchange
• EPF/PPF/NPS: Employee Provident Fund/Public Provident Fund/National Pension System
• RSI: Relative Strength Index
• CAGR: Compound Annual Growth Rate
• ACV: Annual Contract Value
• MRR: Monthly Recurring Revenue

This document serves as a comprehensive guide for the development and deployment of WealthOS, ensuring alignment with business goals and user needs.