🚀 Overview

RegulaInvest is a secure, compliance‑focused investment and savings management system built for licensed financial institutions, regulated fintechs, and wealth managers.
It enables transparent product offerings, automated payouts, investor onboarding (KYC), anti‑money‑laundering (AML) checks, and audit‑ready reporting.

Real‑world relevance: designed from the operational needs of banks and licensed asset managers — supports lawful investment products, clear risk disclosures, and regulator-friendly controls.

✨ Key Features

• Investor Onboarding (KYC): Document upload, identity verification workflow, and status tracking.
• AML Screening: Automated sanctions & PEP checks, transaction monitoring, and alerting.
• Product Catalog: Define savings products, fixed‑term deposits, and regulated investment plans with tiered returns and clear terms.
• Automated Payments & Payouts: Scheduled interest/dividend disbursements and withdrawal processing with approval workflows.
• Transparent Ledger: Double‑entry ledger, full transaction history, and investor statements.
• Risk & Compliance Notices: Built‑in investor risk disclosures, consent capture, and document versioning.
• Role‑Based Access: Admins, compliance officers, back‑office, and investor roles with audit logs.
• Reporting & Exports: Regulatory reports, CSV/PDF exports, and audit trails for inspections.
• Notifications & Alerts: Email/SMS alerts for approvals, large transactions, and compliance flags.
• API & Integrations: Webhooks, REST API for core banking, payment rails, and KYC/ID providers.

⚙️ Technical Stack

• Backend: PHP 8.x with Laravel (or equivalent modern framework)
• Frontend: HTML5, CSS3, Bootstrap / Tailwind, Vue.js or React for SPA components
• Database: MySQL / MariaDB or PostgreSQL with ACID compliance
• Infrastructure: Nginx / Apache, Docker for containerized deployment, SSL/TLS mandatory
• Integrations: Payment gateway connectors (PCI‑DSS compliant), KYC providers, AML screening APIs
• Other: Queues (Redis/RabbitMQ) for background jobs, cron for scheduled payouts and reconciliations

🧩 Installation Guide (Short)

1. Provision a secure server or cloud environment (use HTTPS, firewall, and monitoring).
2. Deploy application code and run dependency install (Composer / npm/yarn).
3. Create database and run migrations & seeders (php artisan migrate --seed).
4. Configure environment variables: DB credentials, mail, payment gateway, KYC/AML API keys.
5. Run queue workers and scheduler (supervisor/systemd) for background jobs.
6. Perform KYC/AML provider setup and run end‑to‑end compliance tests before production.

Note: Production deployment must follow your jurisdiction’s regulatory and security requirements — engage legal/compliance teams.

📦 Deliverables

• ✅ Source code for web admin and investor portal (modular, documented)
• ✅ Database schema and sample seed data
• ✅ Integration adapters for payment rails, KYC and AML providers (stubs + docs)
• ✅ Installation, operations, and compliance checklist
• ✅ API documentation and webhook spec

📱 Supported Platforms

• Servers: Linux (recommended), Docker-friendly environments
• Clients: Modern browsers (Chrome, Firefox, Edge, Safari)
• Mobile: Mobile‑optimized web experience; native apps optional (Flutter/React Native)

🧠 Notes

• Compliance First: This platform is intentionally built for lawful use — include clear risk warnings, investor suitability checks, and documented consent flows.
• License: Choose an appropriate open source or commercial license; if GPL is desired, ensure third‑party integrations comply.
• Customization: Modular design allows adding new regulated products, connectors, or reporting rules per jurisdiction.
• Security: Enforce MFA, strict access controls, encryption at rest/in transit, and regular security audits.
• SEO Assurance: Public investor education pages and clear metadata improve trust and discoverability.

👨‍💻 Experience & Developer Credit

Experience: Designed to reflect best practices from regulated fintech operations — onboarding, reconciliation, audit trails, and compliance workflows.

Expertise: Includes detailed technical stack and integration points so developers and compliance officers can evaluate suitability.

Authoritativeness: Provide links to your legal & compliance authors, technology leads, or third‑party auditors when publishing this product description to demonstrate trust.

🔒 Disclaimer

Important: This template is intended for lawful, regulated financial services only. It is not a blueprint for unlicensed investment schemes or activities intended to evade law or harm investors. Always consult legal and compliance professionals in your country before offering financial products.