What We Shipped
Configurable contract management
Operators can configure investment packages, duration terms, payout frequencies, and early liquidation rules directly through an administrative interface.
Daily interest accrual & automated payouts
An automated computation engine calculates accrued daily interest and triggers scheduled payouts into an append-only accounting ledger.
Automated bank reconciliation engine
The engine parses incoming bank transfer feeds and automatically attributes deposits to the correct investor contract.
Dedicated investor portal
Investors can monitor active contracts, track accumulated yields, review transaction histories, and download tax statements.
Digital identity verification (eKYC)
A fully digital customer onboarding workflow verifies identity documents and manages compliance requirements.
End-to-end contract lifecycle management
Contract states, from pending deposit to active compounding, payout cycles, and maturity, are strictly validated and tracked.
Affiliate commission ledger
The system tracks partner referral networks and computes commission settlements directly within the core financial ledger.
Decoupled portal & public site architecture
A public-facing interest calculator and the private investor portal operate on separate domains while sharing a single core backend engine.
Financial-grade security controls
Role-based access control (RBAC), end-to-end distributed tracing, and encrypted credential storage safeguard financial operations.
Problem & Context
Quantrust manages thousands of fixed-term investment contracts across diverse interest schedules. The business required an automated system to handle contract lifecycles, compute daily compound interest, and execute programmatic bank payouts.
The platform demanded arithmetic precision under strict day-count conventions alongside an immutable audit trail for external financial audits.
Engineering Challenges
Absolute arithmetic accuracy across compound models
Varying day-count conventions and compounding schedules required isolated calculation modules with automated reconciliation background jobs that flag discrepancies prior to payout execution.
Handling malformed bank transfer narratives
Inbound transfer descriptions often contain typos or truncated identifiers. The matching engine automatically resolves 98% of payments and diverts ambiguous transactions to an operator queue.
Full-spectrum auditability and tamper resistance
Every balance mutation, contract amendment, and financial transfer writes to an append-only log stamped with a distributed Trace ID.
Operational outcomes
- 98%
- inbound deposits matched automatically
The automated matching engine reconciles 98% of inbound bank transfers instantly, routing only syntax errors or ambiguous memos to the operator queue.
An immutable double-entry ledger maintains end-to-end auditability across every payout cycle.
How this benefits client projects
We bring double-entry accounting architecture, arithmetic validation engines, and automated bank reconciliation workflows directly to client financial platforms.