Digital Bank & Secure Payment Platform.
Secure digital banking system with dynamic debit cards, encrypted CVV rotation, UPI/NEFT transfers, and real-time financial analytics.
1M+
Secure Transactions
24hr CVV Rotation
Card Security
<100ms
API Latency
What I built
Digital Account Creation System
Unique Bank Account Number Generator
Dynamic Debit Card Issuing Engine
24hr Rotating CVV Security System
Encrypted Card Security with IV & Auth Tag
UPI Payment Integration
NEFT & Bank Transfer APIs
Internal Wallet & Transaction Ledger
Spending Analytics & Graph Visualization APIs
Fraud Detection & Transaction Validation Layer
Secure Authentication & RBAC
Technical Stack
Node.js
MongoDB
Vercel
Architecture
Secure FinTech Transaction Architecture
Database
MongoDB
Deployment
Vercel
System Architecture
End User
Vercel
Next.js
Redis Hot-State
Sub-1ms State Sync
MongoDB
Persistence Layer
Key Technical Decisions
Why Dynamic CVV?
"Static CVV values increase fraud risk. A rotating CVV generated every 24 hours significantly improves card security."
Why Encryption with IV & Tag?
"Using authenticated encryption ensures card data integrity while preventing replay or tampering attacks."
Why Ledger-Based Transactions?
"A transaction ledger ensures consistent financial accounting and prevents double-spend scenarios."
Legacy Bottleneck
Traditional banking systems rely on static card details and fragmented transaction services, creating security risks and poor user visibility into spending habits.
Proprietary Solution
Developed a digital banking backend capable of issuing dynamic debit cards with rotating CVV numbers generated using encrypted algorithms with IV and authentication tags. Implemented secure payment processing for UPI, NEFT, and internal transfers along with real-time financial analytics to help users visualize spending patterns.
Enabled a modern digital banking experience with stronger card security, faster transfers, and transparent financial insights.
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engineer?
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