Full-Stack Digital Banking System

Full-Stack Digital Banking System

Project Overview: A comprehensive, secure, and highly scalable digital banking application built using modern web technologies. This system provides a complete suite of banking services including user authentication, account management, financial transactions, real-time notifications, and automated savings goals. The project demonstrates strong architectural patterns and adherence to enterprise-level security standards.

Key Features & Modules:

Robust Authentication & Security:

Secure user registration and login using JWT (JSON Web Tokens) and bcrypt for password hashing.

Two-Factor Authentication (2FA) utilizing QR codes.

Account locking mechanisms after multiple failed login attempts.

Security best practices implemented (Helmet, Rate Limiting, Throttling).

User & KYC Management:

Role-based access control (Admin vs. Customer).

KYC (Know Your Customer) verification flow (Unverified, Pending, Approved, Rejected).

Account & Card Management:

Support for multiple account types (Checking, Savings) with real-time balance tracking.

Virtual Card generation and management (Active/Frozen status, daily limits).

Financial Transactions:

Secure processing of Deposits, Withdrawals, and internal Transfers.

Payment gateway integration using Stripe.

Smart Savings Goals:

Users can create customized savings goals with target amounts and dates.

Automated saving functionality (Daily, Weekly, Monthly) via CRON jobs.

Milestone tracking (25%, 50%, 75%, 100%) with automated notifications.

Real-time Communication:

Real-time user notifications and updates utilizing WebSockets (Socket.io).

Email notifications integrated via Resend (Welcome emails, OTPs, password resets).

Internationalization (i18n):

Multi-language support built into the frontend to serve a diverse user base.

Technical Stack:

Backend (API Server):

Framework: Node.js, NestJS, TypeScript

Database & ORM: PostgreSQL, Prisma ORM

Real-time: WebSockets (@nestjs/websockets, Socket.io)

Task Scheduling: NestJS Schedule (Cron jobs)

3rd Party Services: Stripe (Payments), Resend (Emails)

Frontend (Client Application):

Core: React (with Vite), TypeScript

State Management & Data Fetching: Zustand, TanStack React Query

Styling & UI: Tailwind CSS, Lucide React (Icons), Recharts (Data Visualization)

Forms & Validation: React Hook Form, Zod

Routing: React Router DOM

Other: i18next (Localization)