Architecture Overview

The UBU Digital Finance Solution is built on a modern, scalable architecture designed to handle financial operations with high performance, security, and reliability.

Architectural Principles

1. Modular Design: Each functional area is implemented as a separate module with clear boundaries
2. Event-Driven Processing: Asynchronous operations for handling high-volume data
3. Security by Design: Multi-layered security approach integrated at every level
4. ACID Compliance: Guaranteeing atomicity, consistency, isolation, and durability across distributed systems
5. API-First Approach: Comprehensive RESTful APIs for easy integration

High-Level Architecture

┌───────────────────────────────────────────────────────────────┐
│                      Client Applications                      │
└───────────────────────────────────────────────────────────────┘
                               │
                               ▼
┌───────────────────────────────────────────────────────────────┐
│                        API Gateway Layer                      │
└───────────────────────────────────────────────────────────────┘
                               │
                               ▼
┌───────────────────────────────────────────────────────────────┐
│                      Authentication Layer                     │
│   (JWT, OAuth2, Two-Factor Auth, Session Management, RBAC)    │
└───────────────────────────────────────────────────────────────┘
                               │
                               ▼
┌───────────────────────────────────────────────────────────────┐
│                     Core Service Modules                      │
├───────────────┬───────────────┬───────────────┬───────────────┤
│ User & Access │  Accounts &   │    Loans &    │   Payments &  │
│  Management   │ Transactions  │  Financing    │  Settlements  │
└───────────────┴───────────────┴───────────────┴───────────────┘
                               │
                               ▼
┌───────────────────────────────────────────────────────────────┐
│                       Data Access Layer                       │
└───────────────────────────────────────────────────────────────┘
                               │
                               ▼
┌───────────────┬───────────────┬───────────────┬───────────────┐
│  PostgreSQL   │     Redis     │    Kafka      │  Audit Logs   │
│   Database    │     Cache     │  Event Stream │               │
└───────────────┴───────────────┴───────────────┴───────────────┘

Technology Stack

• Web Framework: FastAPI (Python)
• Database: PostgreSQL with SQLAlchemy ORM
• Caching: Redis
• Authentication: JWT with OAuth2
• API Documentation: OpenAPI (Swagger)
• Deployment: Docker, Kubernetes
• Messaging: Kafka (planned)
• Monitoring: Prometheus, Grafana (planned)

Core Engine and Microservices

The system is built around a modular architecture where each financial function operates as a microservice:

• User Management: Handles user authentication, authorization, and profile management
• Accounts & Transactions: Manages financial accounts and transaction processing
• Loans & Financing: Handles loan applications, approvals, and management
• Payments & Settlements: Processes payments and financial settlements

Integration & API Gateway

The system provides a comprehensive set of RESTful APIs that allow for easy integration with external systems such as:

• Payment gateways
• Fraud detection engines
• Customer relationship management (CRM) tools
• Regulatory reporting systems

Security Architecture

Security is implemented in multiple layers:

1. Transport Layer: TLS/SSL encryption for all communications
2. Authentication Layer: JWT tokens, two-factor authentication, and session management
3. Authorization Layer: Role-based access control with fine-grained permissions
4. Data Layer: Encryption of sensitive data at rest
5. Audit Layer: Comprehensive logging of all security-relevant events