Technology Stack

Technical Stack Recommendations 
 1. Architecture Overview 
 Principles 
 
 Microservices Architecture - Modular, independently deployable 
 Cloud-Native Design - Containerized, elastic scaling 
 Security by Design - Zero-trust, encryption everywhere 
 
 2. Backend Technology 
 Primary: Java/Spring Boot 
 
 Built-in Spring Security, OAuth2 
 ACID compliance for transactions 
 Proven in regulated industries 
 Spring Boot 3.x, Spring Cloud 
 
 Secondary: Node.js 
 
 WebSocket connections 
 Push notifications 
 Real-time updates 
 
 Hybrid Approach 
 
 Java : Auth, Accounts, Payments, Cards, Ledger, KYC/AML 
 Node.js : WebSocket, Notifications, Real-time 
 Python : Fraud ML, Risk Scoring, Analytics 
 
 3. Mobile Development 
 Recommendation: Flutter 
 
 
 
 Criteria 
 Flutter 
 React Native 
 Native 
 
 
 
 
 Performance 
 Near-native 
 Good 
 Best 
 
 
 Code Sharing 
 95%+ 
 85-90% 
 0% 
 
 
 Market Share 
 46% 
 35% 
 - 
 
 
 
 Why Flutter: 
 
 Same UI across iOS/Android 
 Single codebase 
 No JS bridge 
 Used by major banks 
 
 Stack: Bloc, GoRouter, Dio, Hive, local_auth 
 4. Database & Storage 
 
 Primary : PostgreSQL 16 
 Cache : Redis 7 
 Queue : Kafka/RabbitMQ 
 Documents : S3 
 Search : Elasticsearch 
 
 5. Infrastructure 
 Cloud: AWS or GCP 
 Components: 
 
 Kubernetes (EKS/GKE) 
 Terraform 
 GitHub Actions + ArgoCD 
 Prometheus + Grafana 
 CloudFlare (WAF) 
 
 6. Security 
 OWASP MASVS 
 
 AES-256, TLS 1.3 
 Biometric auth, 2FA 
 Certificate pinning 
 Code obfuscation 
 
 7. MVP Stack 
 
 Backend : Java 21 + Spring Boot 3.2, Node.js 20 
 Mobile : Flutter 3.x 
 Data : PostgreSQL, Redis, Kafka 
 Infra : AWS/GCP, K8s, Terraform 
 Third-Party : Swan (BaaS), Stripe Issuing, Sumsub (KYC)