Data Architecture · MoksZen Bank Suite

Layered Architecture

1 · Web / Mobile apps
React / Angular · customer, staff and admin dashboards

2 · API gateway
TLS 1.3 · WAF · rate limiting · JWT validation

3 · Services (Spring Boot)
Auth · Customer · Account · Loan · Deposit · Share · UPI · Notification

4 · Data stores
PostgreSQL (core data) · Redis (cache) · Encrypted document store · Immutable audit store

5 · Integrations
Core banking · UPI / NPCI · CBS · KYC (UIDAI/PAN) · credit bureau · SMS / WhatsApp

This demo is static: the approval queue is held in browser localStorage. In production, the same actions call these APIs.

Example: customer views balance, then transfers money

CustomerOpens dashboard

➜

SystemAPI call with JWT

➜

SystemRBAC + branch check

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Bank CoreReads balance from DB

➜

SystemMasks fields → JSON

➜

CustomerSees balance

CustomerSubmits transfer

➜

SystemValidates + OTP

➜

Bank CoreDB transaction (debit, credit, ledger)

➜

SystemWrites audit record

➜

SystemNotification queued

WritesAtomic DB transactions, double-entry ledger

ReadsCached where safe, never for balances

DocumentsEncrypted object storage, signed URLs

AuditAppend-only, tamper-evident

Table	Key fields
customers	customer_id, name, dob, mobile, email, kyc_status, branch_id
kyc_documents	doc_id, customer_id, type, masked_ref, file_url (encrypted), verified_by
accounts	account_no, customer_id, type, branch_id, status, opened_on
transactions	txn_id, account_no, type, amount, balance_after, channel, utr, created_at
deposits	deposit_id, type (FD/RD), principal, rate, tenure, maturity_date
loans	loan_id, customer_id, type, amount, rate, tenure, collateral_ref, status
emi_schedule	loan_id, due_date, principal, interest, status
shares	member_id, shares, face_value, dividend
upi_handles	vpa, account_no, device_id, status
approvals	request_id, type, maker, checker, status, remarks
audit_log	id, user, action, entity, ip, timestamp, hash

REST / JSON

{
 "accountNo":"0124 5588 04",
 "type":"SAVINGS",
 "balance":245820.00,
 "status":"ACTIVE",
 "customerId":"CUS-100482"
}

{
 "type":"GOLD",
 "weightGrams":50,
 "purity":22,
 "amount":300000,
 "tenureMonths":12
}
→ 201 {"loanId":"LN-1042",
 "status":"PENDING_APPROVAL"}