Trading Flow

This guide details the trading and investment execution flow, from quote generation to portfolio creation and interest accrual.

The trading flow covers Quote Generation, Application Submission, Execution, Portfolio Creation, and Interest Accrual.

Trading Flow Overview

The investment trading flow enables customers to execute investments seamlessly through a quote-based system that provides transparency and real-time pricing.

Phase 1: Quote Generation

1.1 Request Investment Quote

Customers request quotes for specific investment products and unit quantities.

Get Quote

Get real-time investment quote

Quote Components

The quote includes:

• Product Information: Product name, type, and details
• Unit Price: Price per unit of the investment
• Number of Units: Quantity requested
• Fees: Applicable fees for the investment
• Total Amount: Total cost including fees
• Investing Amount: Net amount to be invested

Quotes are calculated in real-time based on current product pricing and fee structures. Quote validity may vary by product.

Phase 2: Application Submission

2.1 Submit Investment Application

After reviewing the quote, customers submit their investment application.

Create Investment Application

Submit investment application

Application Validation

The system validates:

1. Product Availability: Product is active and available
2. Unit Quantity: Valid number of units requested
3. Customer Eligibility: Customer meets product requirements
4. Quote Accuracy: Application matches recent quote

After validation, a wallet is automatically created for the customer. The customer then needs to fund the wallet to complete the investment.

If wallet balance is insufficient, the application will be rejected. Ensure the wallet is funded before submitting the application.

Phase 3: Wallet Funding & Execution

3.1 Fund Wallet

After the wallet is automatically created, the customer funds it to complete the investment.

Execution Steps

1. Wallet Created

   A wallet account is automatically created when the investment application is submitted.

2. Fund Wallet

   Customer funds the wallet with the investment amount (including fees).

3. Debit Wallet

   System debits the investment amount (including fees) from the customer’s wallet.

4. Create Portfolio Record

   System creates a portfolio entry with:

   • Investment amount
   • Number of units
   • Product details
   • APY (Annual Percentage Yield)
   • Request date
   • Maturity date
   • Total payable
5. Initialize Interest Accrual

   System sets up automatic interest calculation and accrual based on product APY.

6. Confirmation

   Customer receives confirmation with portfolio ID and investment details.

Phase 4: Interest Accrual

4.1 Automatic Interest Calculation

The system automatically calculates and accrues interest based on product terms.

Interest Calculation

Interest accrual follows these principles:

• APY-Based: Uses Annual Percentage Yield for calculation
• Automatic: Accrues automatically based on product terms
• Periodic: Calculated at defined intervals (daily, monthly, etc.)
• Compounding: May compound based on product configuration
• Currency-Specific: Tracked per currency

Interest accrual is automatic and requires no customer action. Customers can view accrued interest through the dashboard or portfolio details.

Phase 5: Performance Tracking

5.1 Monitor Investment Performance

Customers can track their investment performance through portfolios and dashboard.

List Portfolios

View investment portfolios

Get Total Investments

View dashboard summary

Performance Metrics

Customers can track:

• Investment Amount: Original amount invested
• Accrued Interest: Total interest earned to date
• Total Payable: Total amount including principal and interest
• APY: Annual Percentage Yield of the investment
• Maturity Date: When the investment matures
• Performance: Return on investment percentage

Complete Trading Flow Diagram

Key Trading Concepts

Quote Validity

• Quotes are calculated in real-time
• Quote prices may change based on market conditions
• Customers should submit applications promptly after receiving quotes
• System validates quote accuracy during application processing

Execution Timing

• Applications are processed immediately upon submission
• Portfolio creation happens synchronously
• Interest accrual begins immediately after portfolio creation
• No manual approval required for standard investments

Fee Structure

• Fees are included in the quote
• Fees are deducted from wallet along with investment amount
• Fee structure varies by product type
• Total amount includes all applicable fees

Learn More

Explore portfolio management and tracking features.

View Process Flow

See the complete investment process flow.