Title: KYAT Gold — Digital Gold Savings & Chit Fund Platform

Description:

A production fintech platform for a gold trading business, built end to end — customer mobile apps plus the admin console that runs the operation behind them.

The product covers three revenue lines that most gold businesses run separately. Customers buy digital gold and silver as a SIP at live MCX rates, with holdings kept in a vault ledger. They join traditional chit groups with monthly installment collection and scheduled draws. And branch staff can transact over the counter on a customer's behalf through an OTC desk, with custom price override for negotiated rates.

The admin console is where the real complexity sits. Operators get one view of daily collections, overdue exposure, autopay success rate and payout queue, alongside time-series collection analytics and per-group draw progress. Because these are savings schemes members have to trust, monthly winner selection runs on SHA-256 seed verification with a downloadable audit trail — the draw is provably fair rather than something the operator can quietly influence.

The hardest part wasn't any single screen. It was reconciliation: gold prices move continuously, chit installments arrive irregularly, payouts are scheduled monthly, and every one of those has to stay consistent against a vault ledger that regulators and members can both audit. Getting that right shaped most of the backend design.

Mobile apps in Flutter for iOS and Android, PayU handling payment collection, and a Node.js backend managing ledgers, vault accounting, autopay retries and scheduled payouts.