Financial Services
An enterprise platform for banking, lending, payments, and wealth operations built for regulated financial institutions.
financialservices.vydhi.ai
76
Applications
12
Capability zones
1
Shared foundation
Capability overview
76 applications organized across 12 zones on one shared data core.
- 01Accounts & Banking9
- 02Payments & Merchant6
- 03Lending & Credit8
- 04Wealth & Investing7
- 05Insurance4
- 06Business Accounting & Books6
- 07Billing, Expense, Payroll & Tax6
- 08Treasury & Corporate Finance5
- 09RegTech, Risk & Compliance7
- 10Concierge & Engagement6
- 11Growth & Marketplace5
- 12Analytics & Platform Internals7
Walkthrough
Walkthrough video coming soon — no placeholder media
A 2–3 minute owner-recorded walkthrough of the Financial Services environment publishes here once recorded.
Working with Financial Services
What it is
Not published yet — this section fills in when the Financial Services tester docs ship.
What it solves
Not published yet — this section fills in when the Financial Services tester docs ship.
Why it matters
Not published yet — this section fills in when the Financial Services tester docs ship.
How to use it
Not published yet — this section fills in when the Financial Services tester docs ship.
Where results appear
Not published yet — this section fills in when the Financial Services tester docs ship.
See it live
Request demo access
Live demos are gated and time-boxed, issued centrally by Vydhi. Ask for a demo window and we’ll send you a scoped access link into financialservices.vydhi.ai.
Request accessPrivate preview · access by request
Reality contract
- Synthetic data
- Every demo runs on 100% synthetic data. No real customer or personal data is used.
- Simulated integrations
- External systems — payments, messaging, channels, telemetry — are simulated and clearly labelled.
- Representative figures
- Any metrics shown are representative ranges to illustrate capability, not fabricated client results.
- Decision-support AI
- AI features are metered decision-support: assistive, auditable, and fail-closed — never autonomous action on real systems.
Applications
All 76 applications. Each ships the standard four documents — Business Problem & Solution, How to Use, User Journey, Architecture — publishing with the content migration.
Zone 01Accounts & Banking · 9 apps
01Money HubA financial super-app and business console front door with a 76-app launcher, operator console, and metered natural-language concierge.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
02Account Opening & Digital Onboarding/KYCDigital onboarding that consumes the shared KYC spine and opens an account, with a deterministic eligibility hint.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
03Accounts DashboardReads accounts and transactions to show liquid balance, debit/credit counts, and top spend categories.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
04Transfers & Payments (sim)UPI/IMPS/NEFT/wallet transfers through the transfer path with saved payees.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
05Cards — issuance + controls (sim)A control overlay over the card with online, international, and contactless toggles, freeze, and daily limit.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
06Bill Payments & RechargesA biller catalog and bill payments where paying debits an account.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
07Statements & PassbookA passbook derived from transactions showing date, counterparty, channel, and signed amount.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
08Standing Instructions / AutopayRecurring instructions (weekly, monthly, quarterly) with a next-run date and pause/resume.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
09Forex & Multi-CurrencyAn FX rate board and value-conserving FX orders that debit an account.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
Zone 02Payments & Merchant · 6 apps
10Payment Gateway & Checkout (sim)The merchant-acquiring path where a shopper pays a merchant at checkout, debiting the shopper's account and emitting a capture.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
11Merchant Onboarding/KYCA merchant KYC flow that consumes the shared KYC engine and activates a merchant, with a deterministic eligibility hint.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
12Payment Links & QRShareable payment links with a code-drawn QR where paying a link captures a payment through the gateway.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
13Settlements & Payouts (sim)Sweeps captured payments into a settlement batch net of MDR, then sends the net as a payout.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
14Refunds & ChargebacksRefunding a capture credits the shopper's account back, while chargebacks move through representment.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
15Payment ReconciliationMatches gateway and PSP capture legs against settlement legs where settled equals gross minus MDR.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
Zone 03Lending & Credit · 8 apps
16Loan Marketplace & DiscoveryA loan-product catalog with a deterministic eligibility hint from the credit score.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
17Loan OriginationSubmit a loan application against a product for a risk-priced indicative rate from the credit score.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
18Pre-Approval & EligibilityDeterministic eligibility and an indicative limit with one metered natural-language narrative.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
19Underwriting & Credit ScoringA deterministic multi-factor scoring pipeline with one metered rationale stage where approval disburses a credit.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
20BNPLBuy-now-pay-later instalment plans where paying an instalment debits an account.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
21Loan Servicing & EMI (sim)A disbursed loan with a reducing-balance EMI amortisation schedule where paying an EMI debits an account.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
22Collections & RecoveryDelinquency cases bucketed by days-past-due with one metered, compliant recovery-strategy narrative.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
23Credit Score & ReportA 300 to 900 credit score with a code-drawn factor breakdown.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
Zone 04Wealth & Investing · 7 apps
24Investment Dashboard & PortfolioReads the portfolio and holdings to show market value, invested, unrealised P/L, FDs, goals, and trades.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
25Mutual Funds & SIPA fund board with lumpsum buys that debit an account and recurring SIPs, plus a deterministic top-fund hint.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
26Stocks / Brokerage (sim trading)Value-conserving trading where a buy debits and a sell credits the account by exactly quantity times price.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
27Robo-AdvisoryA deterministic risk-profile to allocation engine with one metered narrative, educational only and not investment advice.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
28Goal-Based InvestingSavings goals with a deterministic monthly suggestion and contributions that debit an account.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
29Market Data & ResearchA fund board with a metered research note, educational only and not investment advice.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
30Fixed Deposits & BondsFD, G-Sec, corporate, and T-Bill products with simple-interest maturity where opening debits an account.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
Zone 05Insurance · 4 apps
31Insurance MarketplaceCompare insurance products with a deterministic eligibility hint, where buying issues a policy and debits the premium.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
32Policy ManagementManage issued policies by cover, premium, and status (active, lapsed, cancelled), with totals and cancel.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
33Claims — FNOL → adjudicationFNOL into a deterministic policy-rules adjudication pipeline with one metered triage stage where approved payouts credit an account.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
34Insurance UnderwritingA deterministic risk score to accept, refer, or decline with premium loading and one metered narrative stage.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
Zone 06Business Accounting & Books · 6 apps
35General Ledger / BookkeepingA double-entry general ledger with balanced journals and a trial balance that nets to zero.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
36Invoicing & EstimatesEstimates that convert to sales invoices, where issuing raises a receivable and posts a balanced journal.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
37Accounts Payable (Bills)Vendor bills the business owes, where paying posts Dr AP / Cr Bank and debits an account.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
38Accounts ReceivableReceivables with aging, where receiving posts Dr Bank / Cr AR and credits an account.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
39Bank ReconciliationA deterministic engine matches bank-statement legs to ledger entries with one metered exception narrative.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
40Financial Reports — P&L / Balance SheetA P&L and balance sheet derived from the double-entry ledger with a deterministic assist.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
Zone 07Billing, Expense, Payroll & Tax · 6 apps
41Subscription & Recurring BillingRecurring subscriptions a business pays for, where running a billing cycle debits the account and advances the schedule.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
42Expense ManagementEmployee expense reports with a deterministic policy hint, where reimbursement debits the business account.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
43Payroll (sim)A deterministic payroll run (net equals gross minus 18% deductions) with per-employee payslips where net pay posts a debit.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
44Inventory Finance & Stock ValuationStock items with a deterministic valuation (quantity times unit cost, FIFO/WACC tag) that recomputes on every adjustment.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
45GST / Tax Filing & ComplianceGST, TDS, and Income-Tax liabilities computed deterministically with a hint, where filing remits the liability as a debit.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
46Procurement & Vendor PaymentsPurchase orders and vendor payments where paying a vendor debits the business account.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
Zone 08Treasury & Corporate Finance · 5 apps
47Corporate / Business BankingCorporate accounts overlay business accounts with maker-checker payment mandates that post a debit on execution.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
48Cash-Flow Management & ForecastingA deterministic forecast engine projects the cash position from the run-rate with one metered natural-language narrative.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
49Treasury & LiquidityTreasury positions across HQLA, short-term, and term tiers with a deterministic liquidity coverage hint.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
50Budgeting & FP&APlan-vs-actual budgets and FP&A scenarios with a deterministic variance flag.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
51Multi-Entity ConsolidationRolls up each entity's standalone balance where consolidated net equals the sum of entities minus intercompany eliminations.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
Zone 09RegTech, Risk & Compliance · 7 apps
52KYC / Identity VerificationA reusable KYC engine with document, liveness, address, and PEP checks and a deterministic decision that onboarding flows consume.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
53AML & Transaction MonitoringA deterministic rules engine over money-movement (structuring, high-velocity, large-value, round-tripping) with one metered explain stage.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
54Fraud DetectionA reproducible fraud score over each case's risk signals with an authoritative decision and one metered explain stage.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
55Sanctions & PEP ScreeningDeterministic name-match screening against OFAC, UN, EU, and PEP watchlists using token overlap and an initial bonus.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
56Regulatory ReportingAggregate CTR, SAR, STR, and FATCA filings with a draft-to-file workflow.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
57Compliance & Audit ManagementCompliance case management with an audit trail across KYC, AML, sanctions, data, and conduct.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
58Risk ScoringA deterministic composite customer-risk score (0 to 100) over KYC, AML, fraud, sanctions, and volume with one metered explain stage.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
Zone 10Concierge & Engagement · 6 apps
59Financial Concierge / Advisory ChatbotA retrieval concierge over a financial-education corpus with one metered grounded answer, not financial advice.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
60Personal Finance Mgmt / BudgetingDeterministic categorisation of transactions into budget envelopes with spend-vs-limit tracking and one metered budgeting insight.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
61Support Inbox & HelpdeskA support inbox to raise tickets by category and priority and drive the open to pending to resolved state machine.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
62Notifications & Comms Center (sim)Send templated push, email, and SMS from the notification entity.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
63Disputes & GrievanceRaise a dispute on a transaction and drive opened to under-review to resolved or rejected.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
64Rewards / Cashback / LoyaltyLoyalty accrual of cashback, points, and vouchers with running totals.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
Zone 11Growth & Marketplace · 5 apps
65Financial Products MarketplaceA catalog of third-party products from partners where an enquiry opens a CRM lead, with a deterministic assist.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
66Offers & Cashback CampaignsCashback campaigns keyed off spend where claiming credits a transaction.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
67Referral ProgramInvite friends where the reward accrues on join and can credit an account.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
68Cross-Sell & RecommendationsA deterministic recommender ranks the marketplace from the customer's signals with an optional metered rationale.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
69Lead & CRM (financial products)Financial-products leads move through a CRM pipeline (new, contacted, qualified, won/lost) with a deterministic assist.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
Zone 12Analytics & Platform Internals · 7 apps
70Executive BI / Financial Analytics — safe NLSafe natural-language BI parses a question into a confined query spec run by a deterministic aggregation, with one metered stage.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
71Anomaly & KPI AlertingDeterministic rolling-mean z-score anomaly detection over KPI time-series with a metered explain stage and acknowledge/resolve.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
72Cost & FinOps MonitorReads the platform cost ledger for spend by app and stage, OSS vs metered calls, and session budget burn-down.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
73Data Quality & LineageDeterministic data-quality checks (completeness, validity, uniqueness, freshness) with a code-drawn lineage DAG and a hint.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
74Feature Flags & ExperimentsBoolean and rollout feature flags with deterministic bucketing plus A/B experiments with a lift and significance read-out.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
75ModelOps & PromptOps StudioA model-run registry with eval history (tokens, cost, status) and a versioned prompt registry with publish.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request
76Admin & Access Console / RBAC·SSOConsumes owner and viewer RBAC and per-credential scope, where you probe access and invite, suspend, or reactivate grants.
Documentation
- Business Problem & Solution · draft
- How to Use · draft
- User Journey · draft
- Architecture · draft
Private preview · access by request