Target Platform Architecture

The following diagram illustrates the planned architecture for the FintraOS platform. Data will originate from various financial sources, flow through the Connect module for ingestion, and be processed by the Core pipeline to build a unified financial profile. The Brain module will apply intelligence and forecasting, while the Guard module will ensure security and compliance throughout the lifecycle. Finally, the Views module will expose tailored APIs for client applications.

flowchart TB %% ========================= %% DATA SOURCES %% ========================= subgraph Sources[Data Sources] direction TB S1["Bank accounts and cards"] S2["Loans and mortgages"] S3["Pensions and workplace schemes"] S4["ISAs and investment platforms"] S5["Payroll and employer benefits"] S6["BNPL and consumer credit"] S7["Crypto and digital assets"] S8["Bills subscriptions utilities"] S9["Property valuations"] S10["Tax and government data"] S11["Global Context: Market & Macro Data"] S12["Platform Webhooks"] end %% HUB A – COLLECT ALL SOURCES AHub((Source Hub)) %% Connect Sources to Hub A S1 --> AHub S2 --> AHub S3 --> AHub S4 --> AHub S5 --> AHub S6 --> AHub S7 --> AHub S8 --> AHub S9 --> AHub S10 --> AHub S11 --> AHub S12 --> AHub %% ========================= %% FINTRAOS PLATFORM %% ========================= subgraph FintraOS["FINTRAOS FINANCIAL INTELLIGENCE PLATFORM"] direction TB %% CONNECT MODULE subgraph Connect["FintraOS Connect"] direction TB C1["User connection flows"] C2["Consent and permission handling"] C3["Connection health and refresh"] C4["Global Context Ingestion"] C5["Webhook Intake"] end %% HUB B – ALL CONNECT OUTPUTS BHub((Core Input Hub)) %% CORE MODULE (PIPELINE + PROFILE) subgraph Core["FintraOS Core"] direction LR %% Processing pipeline subgraph Pipeline["Core Pipeline"] direction TB P1["Ingestion connectors"] P2["Normalisation and identity graph"] P3["Enrichment and classification"] P4["Balance sheet engine"] P5["Cashflow engine"] end %% Unified financial profile model subgraph Profile["Core Profile Model"] direction TB U["User and household model"] A["Accounts"] T["Transactions"] IN["Income streams"] L["Liabilities and credit lines"] POS["Investment positions and wrappers"] PA["Property assets"] G["Goals and targets"] BP["Behaviour profile and scores"] EV["Event records"] CTX["Global Context Data"] end end %% BRAIN MODULE subgraph Brain["FintraOS Brain"] direction TB R1["Rules and decision engine"] R2["ML models and classifiers"] R3["Forecast and simulation engine"] R4["Segmentation and personality modelling"] R5["Product suitability and matching"] R6["Inflation-Proofing Engine"] R7["Agent Skills Registry"] end %% VAULT MODULE subgraph Vault["FintraOS Vault"] direction TB H1["Time series and historical store"] H2["Event and audit logs"] H3["Model and rule monitoring"] H4["Data quality and feed health"] H5["Simulation Engine (Time Travel)"] end %% GUARD MODULE subgraph Guard["FintraOS Guard"] direction TB G1["Tokenisation and encryption"] G2["Role based access"] G3["Consent registry"] G4["Audit and compliance"] G5["Data retention and deletion"] G6["AI Context Scoping"] end %% PULSE MODULE subgraph Pulse["FintraOS Pulse"] direction TB PL1["Event catalogue and schema"] PL2["Webhook delivery engine"] PL3["Real-time stream SSE"] PL4["Replay and recovery"] PL5["Agent Action Events"] end %% VIEWS MODULE subgraph Views["FintraOS Views"] direction TB VW1["360 profile views API"] VW2["Wealth and portfolio view"] VW3["Debt and liability view"] VW4["Forecasting view"] VW5["GraphQL federation"] VW6["Simulation View"] end %% HUB C – PROFILE/PIPELINE/BRAIN OUTPUTS CHub((Profile Output Hub)) end %% ========================= %% CLIENTS %% ========================= subgraph Clients["Client Applications"] direction TB CA["Client app frontend"] C1_Client["Neobanks and superapps"] C2_Client["Wealth and retirement apps"] C3_Client["Lenders and credit builders"] C4_Client["SMB finance and accounting tools"] C5_Client["Embedded finance in vertical SaaS"] C6_Client["AI copilots and agents"] end %% HUB D – CLIENT ROUTER DHub((Client Hub)) %% ========================= %% FLOWS (CLEAN ROUTED) %% ========================= %% Sources → Connect AHub --> C1 AHub --> C2 AHub --> C3 AHub --> C4 AHub --> C5 %% Connect → Hub B → Pipeline C1 --> BHub C2 --> BHub C3 --> BHub C4 --> BHub C5 --> BHub BHub --> P1 %% Pipeline → Profile (unchanged) P1 --> P2 --> P3 P3 --> P4 P3 --> P5 P2 --> U P2 --> A P2 --> IN P2 --> L P3 --> T P3 --> POS P3 --> PA P4 --> G P4 --> BP P5 --> BP P5 --> G P4 --> CTX %% Core → Vault + Brain (through hub C) Profile --> CHub Pipeline --> CHub Brain --> CHub CHub --> Vault CHub --> Brain CHub --> Pulse CHub --> Views %% Governance touches all Connect --> Guard Core --> Guard Brain --> Guard Vault --> Guard Pulse --> Guard Views --> Guard %% PulseViews → Client Hub → Clients Pulse --> DHub Views --> DHub DHub --> CA CA --> C1_Client CA --> C2_Client CA --> C3_Client CA --> C4_Client CA --> C5_Client CA --> C6_Client