> ## Documentation Index
> Fetch the complete documentation index at: https://developer.moneyone.in/llms.txt
> Use this file to discover all available pages before exploring further.

# System Architecture

> PFM platform system components, services, and performance metrics

#### 1. **Consent Management Service**

* **Consent Creation**: Handles user consent requests for financial data access
* **Consent Lifecycle**: Manages consent states (approved, rejected, revoked, expired)
* **Partial Data Storage**: Stores minimal consent metadata before full data access
* **Audit Trail**: Maintains comprehensive logs of all consent operations

#### 2. **Data Processing Engine**

* **Data Ingestion**: Receives and validates financial data from TSP callbacks
* **Data Transformation**: Converts various data formats into unified schema
* **Transaction Parsing**: Extracts transaction details, merchant information, and metadata
* **Data Validation**: Ensures data integrity and completeness

#### 3. **Analytics Generation Engine**

* **Transaction Categorization**: Automatically classifies transactions into 30+ categories
* **Pattern Recognition**: Identifies recurring payments, salary credits, and spending trends
* **Financial Metrics Computation**: Calculates cash flow, savings rate, debt ratios

#### 4. **User Data Sharing Service**

* **Backend Only APIs**: Provides API for getting analytics for user
* **User Portfolio**: Provides frontend for users to access their analytics data via frontend

#### 5. **Database Layer**

* **User Profiles**: Stores user information and preferences
* **Consent Records**: Maintains consent details and status
* **Financial Data**: Securely stores transaction and account information
* **Analytics Data**: Optimized storage for analytics generated

## System Performance Metrics

<AccordionGroup>
  <Accordion title="Analytics Generation">
    * **Processing Time**: \< 30 seconds for 12 months of transaction data
    * **Throughput**: 1000+ consent processing per minute
    * **Accuracy**: 97% for transaction categorization
    * **Uptime**: 99.9% service availability SLA
  </Accordion>

  <Accordion title="API Performance">
    * **Response Time**: \< 200ms for dashboard APIs
    * **Concurrent Users**: 10,000+ simultaneous users supported
    * **Data Freshness**: Analytics updated within 5 minutes of data receipt
    * **Cache Hit Rate**: 95% for frequently accessed analytics data
  </Accordion>
</AccordionGroup>