Gold Investment Platform Development
Publicada el 2026-07-31
Descripción de la oferta
The project in one sentence MySikaGold is building the digital equivalent of an investment bank focused on gold, allowing customers to buy, own, monitor, and eventually redeem physical gold through a secure, regulated investment platform. What problem is MySikaGold solving? Today, buying investment-grade gold is difficult for most people because it usually requires: Large amounts of money Visiting dealers Trusting physical storage Manual paperwork Limited transparency MySikaGold solves this by allowing someone to invest as little as the minimum investment into professionally managed gold funds through a mobile application while the actual gold is held under regulated custody. The vision Think of the platform as combining: MTN MoMo Fidelity Mutual Funds Gold ETF investing Mobile Banking Treasury investment Digital Wallet into one application. Instead of buying shares, users buy fractions of real gold. Who will use the platform? The RFP shows that this platform serves many different stakeholders—not only investors. These include: 1. Retail Investors The main mobile app users. They should be able to: Register Verify identity Buy gold View portfolio Monitor investment growth Receive statements Sell gold Redeem physical gold 2. Diaspora Investors People outside Ghana should be able to: Register remotely Complete international KYC Pay with cards Invest in Ghanaian gold 3. African Investors Investors from other African countries will invest using PAPSS. 4. Fund Managers They control: NAV Pricing Fund approvals Investment management 5. Trustees They independently verify transactions and approve large redemptions. 6. GoldBod Responsible for: Gold supply Gold verification Gold custody records 7. Regulators Including: SEC Ghana Financial Intelligence Centre (FIC) NPRA They receive compliance reports automatically. What does an investor experience? A customer journey looks like this: Download the MySikaGold app. Register an account. Verify identity using Ghana Card and SmileID. Set up a PIN. Choose a gold fund. View today's live gold price (NAV). Deposit money using MoMo or GhanaPay. Purchase fractional gold. Receive confirmation and a digital receipt. Watch the investment grow over time. Receive monthly statements. Later sell or redeem gold when those features are enabled. Phase 1 (Pilot) The Phase 1 Prompt Pack builds the first working version for approximately the first 1,000 investors. It includes: Mobile app Investor registration Login PIN authentication Identity verification Live gold pricing Investor dashboard MoMo payments GhanaPay payments Receipt generation NAV calculation engine Backend APIs PostgreSQL database Deployment on PAIX Accra infrastructure At the end of Phase 1, a real investor should be able to register, verify identity, see live gold prices, and buy gold through the mobile app. Phase 2 (Production) Phase 2 transforms the pilot into a fully commercial platform by adding: Flutterwave PAPSS GhIPSS Direct Debit AML screening Anti-money laundering engine USSD Web investor portal WhatsApp notifications Fund Manager portal Trustee portal GoldBod portal Regulatory reporting Stronger security High-availability infrastructure Full production deployment The technology stack The solution uses modern technologies including: Frontend React Native (Expo) Next.js Backend NestJS Database PostgreSQL Infrastructure Docker Cloudflare PAIX Data Centre Redis MinIO Vault Integrations SmileID Hubtel GhanaPay GhIPSS Mailgun Metals API Flutterwave PAPSS The business objective The platform is not simply storing money. It is managing regulated gold investment funds. Three funds are defined: SGAF – Sika Gold Accumulation Fund SGD – SikaGold Diaspora Fund SAF – SikaGold Africa Fund What success looks like When the project is complete: Investors can safely invest in gold from anywhere. Every investment is verified. Payments reconcile automatically. Gold holdings are tracked accurately. Daily NAV is calculated automatically. Statements are generated automatically. Regulators receive required reports. Fund managers and trustees oversee operations through dedicated portals. The platform is secure, scalable, and ready for commercial launch. My assessment This is an enterprise-scale financial platform, comparable in complexity to building: a digital bank, a mutual fund management system, a payment gateway, a regulatory reporting system, and a mobile investment application, all integrated into one ecosystem. The accompanying Requirements Traceability Matrix is intended to ensure that every requirement in the RFP is covered by the Phase 1 and Phase 2 prompt packs before launch.
Skills
- React Native
- PostgreSQL
- Next.js
- Docker
- React
- JavaScript
- AML
- PHP
- Compliance
- Cloudflare
- Tesorería
- NestJS
- Growth Hacking
- Redis
- Expo
Fuente original: freelancer