Executive summary Build a secure, web-based platform

Executive summary

Build a secure, web-based platform that allows individuals to register as agents (part-time / full-time), generate & manage leads for multiple financial products (home loan, personal loan, car loan, insurance, etc.), upload customer KYC & product documents, track status, and receive commissions. The platform supports a referral (downline) tree where agents get referral commissions from their direct referrals only.

 

Two portals will be delivered:

 

Admin panel — registration management, lead review workflow, payouts, reports, growth tracker, leaderboard, and manual commission payouts.

Agent (user) panel — registration, email verification, KYC/bank uploads, create & update leads, track wallets, referral link & downline monitoring, edit profile.

 

Additionally, a responsive corporate website (4–5 pages, see Options) and a downloadable responsive APK hosted on the website.

 

     Backend: Laravel (PHP 8.x)

     Database: MySQL

     Frontend: HTML5, CSS3, Bootstrap, JS

     App Type: PWA (Progressive Web App)

     Security: SSL, Encrypted Authentication, Role-based Access

Deliverables (what we will provide)

Core platform (Web)

1.  ​Agent Registration & Onboarding

Public registration link.

Fields: name, mobile number, email, address, city. Email verification with code.

Upload KYC & bank details (Aadhaar, PAN, bank details) for payout. Profile submitted for admin verification.

Admin approval → agent gets joining confirmation email + welcome kit (PDF).

2.  ​Agent Panel (User)

Dashboard: lead summary, pending approvals, wallets, recent activity.

Create New Lead / New File: lead name, mobile, email, product(s) of interest, product-specific document upload (Aadhaar, PAN, CIBIL or product doc), notes. Lead lifecycle tracking (open → under review → approved → rejected → closed).

Edit lead (before final approval) and upload additional docs.

Two separate wallet views: (A) Product Sales wallet, (B) Network/Referral wallet.

Referral system: unique agent ID + referral link.

     Downline visualization (direct referrals only shown for earnings).

     Leaderboard (monthly & annual).

     Profile edit page (permitted fields).

     Notifications (email + in-app) for status updates, payout notices.

3.  ​Admin Panel

 

     Agent registration approvals (view docs, approve/reject with remarks).

     Lead review dashboard: filter/sort by product, status, agent, date.

     Update lead status and add remarks (rejection reasons visible to agent).

     Manual commission payout processing (mark paid, export payout report).

     Wallet management (credit/debit for agents).

     Growth tracker and analytics:

■  Number of leads created / updated

■  Approved leads count

■  Rejected leads count & reasons

■  Agent-wise conversion rate

Leaderboard admin settings & reward assignment.

Downline management & referral commission configuration (percentages). Admin user management (roles: Super Admin, Finance, Operations).

Export reports (CSV / Excel / PDF).

 

4.  ​Commission & Referral Rules

Product Sales commissions credited to Product Sales wallet upon lead completion (admin marks approved/completed).

Network Income: commission awarded when a directly referred agent closes a deal. No commissions from second-level referrals.

Commission payouts recorded and manually paid on 15th of every month (admin marks payouts).

Two wallets visible to agent (product sales + network income). Admin can configure commission percentages per product.

 

     A unique Company Master ID will be created and integrated with the official website. All website-based customer inquiries and agent registrations will automatically be assigned under this Master ID.

       Agents joining through the company’s website referral link will follow the existing onboarding process (KYC, approval, dashboard access, commissions, referral system).

Admin can view and manage all leads/registrations received through the website.

This feature ensures centralized lead capture, direct agent onboarding, and seamless integration with the existing referral and commission structure.

 

6.  ​Security & Compliance

     SSL / HTTPS ready.

     Role-based access control.

     Secure file uploads with virus scan / size limits.

     Audit logs for critical actions (lead status changes, payouts).

     Basic data retention policy (configurable).

 

7.  ​Notifications & Emails

     Transactional emails: verification code, profile approval/rejection, lead status updates, payout confirmations, onboarding welcome kit.

     Configurable email templates.

 

8.  ​APK

     Responsive Android APK (web-wrapper / PWA-based APK) that provides agent access (login, create leads, upload docs, track wallet).

Note: For native Google Play publishing, additional work is a separate add-on.

 

9.  ​Corporate Website

(5-page): Home | About Us | Services | Agent Join (registration link & benefits) | Contact Us