💹 Fintech & Capital Markets
Fintech & Capital Markets architecture diagram templates
Digital lending, BNPL, Account Aggregator, stock broking, mutual funds and KYC. Open any template to see the finished diagram, then use it as the starting point for your own in the Studio.
11 templates
Digital Lending Platform
A digital lending app that takes a loan application from KYC to disbursal in minutes, using credit bureau data, bank statement analysis and e-mandates for repayment.
Account Aggregator Consent Flow
How a lender gets a customer's bank statements through India's Account Aggregator network: consent request, approval in the AA app, and encrypted data sharing.
Buy Now Pay Later Checkout
How a Buy Now Pay Later option decides at checkout whether to approve a shopper and splits the purchase into instalments.
Stock Order Lifecycle
The states of a stock market order in a broking app, from placement through exchange matching to partial and full fills.
Stock Broking Platform
Where a stock broking platform runs: low-latency order systems co-located near the exchange, and customer apps and back office in the cloud.
Loan Management Database Schema
Tables for a loan book: borrowers, loan products, loans, repayment schedules, payments and collection actions.
Mutual Fund SIP Purchase Sequence
How a monthly SIP in a mutual fund works behind an investment app: mandate debit, order to the exchange platform, NAV allotment and units credited.
Payment Fraud Screening
How every payment is screened for fraud in real time using device data, velocity counters, rules and a model, with doubtful cases sent for review.
Neobank Architecture
A digital-only bank built on top of a partner bank: the app, onboarding, accounts ledger, cards and payments services, connected to the partner's core banking.
Payments Fintech Revenue and Costs
How the fees a payments company earns are split between network costs, bank partners and its own margin, per ₹100 of fees.
Video KYC Onboarding
How a fintech app onboards a customer with video KYC: document checks, a live video call with liveness detection, and an approval decision.
More Fintech & Capital Markets templates are being added regularly.