Digital Core Evolution
System
Playground
Experience the architectural heartbeat of Direct Credit. A living, breathing ecosystem built for the next decade of finance.
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Platform Layers
Structural DNA
Engagement Channels
Cross-Platform Web & MobileB2C Loan WebappCredit Card PortalPartner Mobile AppsAdmin BackofficeExternal APIs
BFF & Gateway Layer
GraphQL | Kong API GatewayAuth & IdentityRate LimitingRequest TransformationTraffic RoutingEdge Caching
Domain Services
Go | Java | Python MicroservicesLending EngineCredit Risk ServicePayment GatewayNotification HubUser Preferences
Integration Hub
gRPC | Kafka | RESTPartner Connectors (Bureau/KYC)Webhooks ManagerIdempotency ServiceRetry Queues
Unified Data & AI Cloud
Snowflake | GCP BigQuery | DatabricksMedallion LakehouseRecommendation EngineReal-time AuditingFraud Detection Models
Microservices Ecosystem
The Engine Room
Core Domains
Application Management
Credit Evaluation
Loan Origination (LOS)
Collateral Mgmt
Risk & Credit
Rule Engine
Scorecard Service
Credit History Hub
Eligibility Checker
Engagement
Product Matchmaker
Offer Generator
Push Notifications
Support Chatbot
Operations
Document Vault
E-Sign Workflow
Payment Disbursement
Collection Hub
Ecosystem Hub
Hyper-Connectivity
Integration Hub
API Gateway / Egress ProxymTLS + Secrets
Transformation EngineJSON / XML / SOAP
Resilience PatternsCircuit Breakers + Retries
Monitoring Hub99.92% Success Rate
Credit Bureaus
Real-time report aggregation and analysis engine.
CIBILExperianEquifax
KYC & Identity
Seamless onboarding with eKYC and Video-KYC modules.
DigioNSDLUIDAI
Banking Partners
Direct connectivity for disbursements and collections.
HDFCSBINBFCs
Insurance Providers
Digital policy issuance and quote generation.
LICMax LifeLombard
Medallion Lakehouse
Intelligence Core
Bronze
Raw landing zone for 10M+ daily events. Durable, immutable, and scalable storage layer.
Silver
Curated, cleaned, and joined datasets. The source of truth for all domain calculations.
Gold
Consumption-ready aggregates. Powering real-time BI dashboards and ML feature stores.
dbt Transformations Kafka Streaming Data Governance Real-time Inference
Resilience Playbook
The 99.99% Promise
Infrastructure
- Multi-AZ Active-Active
- Zero-Downtime Rolling Deploys
- 99.99% Uptime SLA
- Auto-healing Nodes
Application
- Circuit Breakers (Mesh)
- Exponential Backoff
- Client-side Retries
- Dead Letter Queues
Scalability
- Horizontal Pod Autoscaling
- Event-Driven KEDA Scales
- Read-Replica Auto-provision
- Global CDN Distribution
Engineering Excellence
Built for the
Infinite Scale
Our architecture isn't static—it's a living system, evolving with every transaction to redefine what's possible in digital finance.