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System Components

The UBU Digital Finance Solution is composed of several key components that work together to provide a comprehensive financial services platform.

Core Components

1. Identity & Access Management

This component handles all aspects of user identity, authentication, and authorization:

  • User Authentication: Supports password-based authentication with optional two-factor authentication
  • Session Management: Manages user sessions with JWT tokens and refresh token rotation
  • Role-Based Access Control: Implements hierarchical roles with attribute-based extensions
  • Audit Logging: Records all authentication and authorization events

2. Customer Management

Manages customer profiles and related processes:

  • KYC/KYB Orchestration: Handles identity verification processes
  • Customer 360 & Risk Scoring: Provides comprehensive customer profiles and risk assessment
  • Consent & Privacy Framework: Manages customer consent for data usage

3. Organizational Units

Manages the organizational structure:

  • Unit Hierarchy: Supports multi-level organizational hierarchies
  • Unit Assignment: Associates users with specific organizational units
  • Unit-Based Access Control: Restricts access based on organizational unit membership

4. Transactions (Planned)

Will handle all financial transactions:

  • Transaction Processing: Processes financial transactions with ACID compliance
  • Transaction History: Maintains a complete history of all transactions
  • Reconciliation: Ensures transaction integrity across the system

5. Accounts (Planned)

Will manage financial accounts:

  • Account Creation: Handles the creation and management of financial accounts
  • Balance Management: Tracks account balances and history
  • Account Types: Supports various account types with different characteristics

6. Loans (Planned)

Will handle loan processing:

  • Loan Applications: Processes loan applications from customers
  • Loan Approval Workflow: Manages the loan approval process
  • Loan Servicing: Handles ongoing loan management and payments

7. Payments (Planned)

Will process payments:

  • Payment Processing: Handles various payment methods
  • Payment Gateway Integration: Connects to external payment processors
  • Settlement: Manages the settlement process for payments

Technical Components

1. API Gateway

Serves as the entry point for all client requests:

  • Request Routing: Routes requests to appropriate services
  • API Documentation: Provides OpenAPI documentation for all endpoints
  • Rate Limiting: Prevents abuse through request rate limiting

2. Database Layer

Manages data persistence:

  • PostgreSQL Database: Primary data store for all persistent data
  • SQLAlchemy ORM: Object-relational mapping for database access
  • Migration Management: Handles database schema migrations via Alembic

3. Caching Layer

Improves performance through caching:

  • Redis Cache: In-memory data store for frequently accessed data
  • Session Storage: Stores user session information
  • Rate Limiting: Supports API rate limiting implementation

4. Messaging System (Planned)

Will enable asynchronous communication between components:

  • Event Publishing: Publishes events when significant actions occur
  • Event Consumption: Consumes and processes events from other components
  • Message Queuing: Queues messages for reliable processing

5. Security Infrastructure

Ensures system security:

  • Encryption: Encrypts sensitive data in transit and at rest
  • Authentication Mechanisms: Implements secure authentication protocols
  • Authorization Framework: Enforces access control policies