Aunest – The Unified Wealth & Gold Investment Super App
Project Overview
Aunest engaged DevsTree to build a mobile‑first platform that combines mutual‑fund investing, ETF/SIP management and real‑time digital‑gold purchasing in a single, KYC‑compliant app. The mission: democratise smart investing for India’s millennial and Gen‑Z savers while streamlining back‑office operations for fund houses and jewellers.
Our Solutions
DevsTree delivered a secure, high performance React native app suite (Android / iOS) plus a Node.js‑powered backend that:
- Verifies users in minutes – Aadhaar KYC via Setu + DigiLocker; OTP / Google Authenticator for 2‑FA.
- Handles investments end‑to‑end – Smallcase & BSE STAR MF APIs for SIP initiation, modification, pause/resume and redemption; live NAV feeds from MFAPI.in.
- Enables AU Pay – converts redeemed MF/ETF units directly into real‑time gold grams using MCX price feeds; settlement via NSDL Speed‑e.
- Drives seamless payments – Razorpay gateway with UPI, net‑banking, cards & EMI; instant status callbacks to the app.
- Guides users with AI – asset‑allocation calculator that maps risk profiles to model portfolios and goal‑based SIP projections (wedding, education, dream fund, etc.).
- Boosts engagement – push notifications, WhatsApp chatbot (Twilio) and personalised cashback/offer engine.
- Unlocks jewellery commerce – CedCommerce middleware surfaces 360° product galleries, live 24K/22K price tickers and auto‑generated GST e‑invoices.
Key feature/Admin panel features
| Pillar | Highlights |
| Onboarding & Compliance | Aadhaar KYC (Setu), DigiLocker fetch, 2‑FA, profile management |
| Invest & Grow | Start/stop/pause SIPs; AI suggestions; NAV history; portfolio dashboard |
| Redeem & Spend | One‑tap MF/ETF redemption ➜ AU Pay gold grams; exit‑load & tax transparency |
| Goal Planning | Risk‑based asset‑allocation, SIP calculators, Nifty vs Gold comparison charts |
| Payments & Offers | Razorpay + Stripe fallback; dynamic cashback API integration |
| Engagement | Push alerts, WhatsApp support bot, CleverTap analytics |
| Jewellery Storefront | CedCommerce catalogue, 360° images, real‑time metal pricing, invoice PDF |
Business Challenge
- Fragmented investor journey – users juggle separate apps for KYC, mutual funds, SIPs and gold purchases.
- Regulatory complexity – Aadhaar‑based KYC, SEBI rules, BSE STAR MF protocols and tax disclosure all had to co‑exist seamlessly.
- Asset diversification – need for side‑by‑side insights into gold, ETFs and mutual funds with goal‑based planning tools.
- High drop‑off at checkout – payment flows for SIPs, redemptions and jewellery purchases had to be friction‑free across UPI, cards and EMI.
Technology Stack
- Mobile: Kotlin (Android), Swift & Objective‑C (iOS)
- Backend: Node.js (NestJS), MongoDB Atlas
- APIs & Integrations: Setu KYC, DigiLocker, Smallcase, BSE STAR MF, MFAPI.in, NSDL Speed‑e, Razorpay, MCX Gold Price, CedCommerce, Twilio WhatsApp, CleverTap
- Cloud & DevOps: AWS Fargate, S3, CloudWatch, Terraform CI/CD
Impact & Results
- 80 % faster KYC completion versus legacy video KYC flows.
- ↑ 34 % rise in monthly SIP sign‑ups within first quarter of launch.
- 2× conversion from portfolio redemption to gold purchase (AU Pay) during festival campaigns.
- <3 s average transaction latency across UPI & card payments.
Summary
Aunest now offers India’s first truly omni‑asset wealth app, giving users a one‑stop destination to invest, track and spend their money while ensuring full regulatory compliance. The scalable micro‑service architecture positions the client to add US stocks, crypto ETFs and BNPL gold in upcoming releases without a complete rewrite.
Looking to Build a Product Like This?
Looking to build a full‑stack FinTech or wealth‑tech platform that delights users and satisfies regulators?
Talk to DevsTree – we turn complex finance flows into elegant mobile experiences.