Title: KYAT Gold — Gold Savings App (iOS & Android)

Description:

The customer side of a digital gold savings platform, built in Flutter for iOS and Android.

The app does three things people usually have to visit a jeweller for. It runs digital gold and silver SIPs at live market rates, with holdings tracked to three decimal places in a personal vault. It lets customers join monthly savings groups — the traditional chit model — and see exactly how full a group is, how many tokens remain, and when their next installment is due. And it handles the payments for both, with a countdown to the due date and one-tap settlement.

The screen I'd point to is the scheme calculator. Gold savings groups are genuinely hard to understand — there's a monthly amount, a token count, a total commitment, a guaranteed floor and a variable upside, and most people encounter all of that for the first time at the moment they're deciding whether to trust you with money for eleven months. So it's built as something you drag rather than read: move the token slider and total investment, minimum guaranteed return and maximum return all update together. The maths was never the difficult part. Making the commitment legible before someone signs up was.

The vault handles a related problem in the other direction. Gold is priced per gram, but people think in rupees, so buying works either way with a unit switch — enter ₹500 or enter 0.5g and the app resolves it against the live rate.

Onboarding is phone number and OTP only. No password, no email, no form. For a first-time gold saver the signup screen is where you lose them.

Flutter and Dart on the client, Node.js and MongoDB behind it, PayU for collection, and a live pricing feed driving every rate shown in the app.