Multi-Tenant Credit Monitoring System - Architecture Design

📋 System Overview

Transform the credit-history-app from a single-user tool into a production-ready multi-tenant SaaS platform where users can securely connect their own bank accounts and credit data.

Core Principles

Security First: Encrypted credentials, secure token handling, data isolation
Privacy: GDPR/CCPA compliant, user consent management, audit logs
Scalability: Database-backed architecture, per-user data isolation
User Experience: Seamless Plaid Link integration, intuitive dashboard

🏗️ Architecture Layers

1. Authentication & User Management Layer

Database Schema

-- Users table
CREATE TABLE users (
    id UUID PRIMARY KEY,
    email VARCHAR(255) UNIQUE NOT NULL,
    password_hash VARCHAR(255) NOT NULL,  -- bcrypt hashed
    first_name VARCHAR(100),
    last_name VARCHAR(100),
    created_at TIMESTAMP DEFAULT NOW(),
    updated_at TIMESTAMP DEFAULT NOW(),
    last_login TIMESTAMP,
    is_active BOOLEAN DEFAULT TRUE,
    mfa_enabled BOOLEAN DEFAULT FALSE,
    mfa_secret VARCHAR(255),  -- For 2FA setup
    consent_given_at TIMESTAMP,  -- GDPR consent tracking
    deleted_at TIMESTAMP  -- Soft delete for GDPR
);

-- User sessions table
CREATE TABLE user_sessions (
    id UUID PRIMARY KEY,
    user_id UUID REFERENCES users(id) ON DELETE CASCADE,
    access_token VARCHAR(500) UNIQUE NOT NULL,
    refresh_token VARCHAR(500) UNIQUE NOT NULL,
    expires_at TIMESTAMP NOT NULL,
    created_at TIMESTAMP DEFAULT NOW(),
    ip_address VARCHAR(45),  -- IPv4 or IPv6
    user_agent TEXT,
    is_valid BOOLEAN DEFAULT TRUE
);

-- Audit log table
CREATE TABLE audit_logs (
    id UUID PRIMARY KEY,
    user_id UUID REFERENCES users(id) ON DELETE CASCADE,
    action VARCHAR(100) NOT NULL,  -- login, logout, data_accessed, etc
    resource_type VARCHAR(50),  -- user, plaid_account, transaction
    resource_id VARCHAR(255),
    details JSONB,
    ip_address VARCHAR(45),
    user_agent TEXT,
    created_at TIMESTAMP DEFAULT NOW()
);

Authentication Flow

User Registration/Login
    ↓
Password validation (bcrypt)
    ↓
Generate JWT tokens (access + refresh)
    ↓
Store in user_sessions + Redis cache
    ↓
Set secure httpOnly cookies
    ↓
Return to frontend

Key Components

Password Hashing: bcrypt with salt rounds = 12
JWT Tokens:
- Access token: 15 minutes expiry
- Refresh token: 7 days expiry
Session Storage: Redis for performance, DB for persistence
MFA: TOTP (Time-based OTP) optional for users

2. Plaid Integration Layer (Multi-Account per User)

Database Schema

-- Plaid accounts linked by users
CREATE TABLE plaid_accounts (
    id UUID PRIMARY KEY,
    user_id UUID REFERENCES users(id) ON DELETE CASCADE,
    plaid_item_id VARCHAR(255) UNIQUE NOT NULL,
    plaid_access_token TEXT NOT NULL ENCRYPTED,  -- Use pgcrypto
    bank_name VARCHAR(255),
    account_name VARCHAR(255),
    account_type VARCHAR(50),  -- credit, checking, savings
    last_synced TIMESTAMP,
    sync_status VARCHAR(20),  -- success, pending, error
    error_message TEXT,
    requires_reauth BOOLEAN DEFAULT FALSE,
    created_at TIMESTAMP DEFAULT NOW(),
    updated_at TIMESTAMP DEFAULT NOW(),
    deleted_at TIMESTAMP
);

-- Transaction cache (updated on sync)
CREATE TABLE transactions (
    id UUID PRIMARY KEY,
    plaid_account_id UUID REFERENCES plaid_accounts(id) ON DELETE CASCADE,
    user_id UUID REFERENCES users(id) ON DELETE CASCADE,
    plaid_transaction_id VARCHAR(255) UNIQUE NOT NULL,
    name VARCHAR(255),
    amount DECIMAL(12, 2),
    category VARCHAR(100),
    date DATE NOT NULL,
    merchant_name VARCHAR(255),
    created_at TIMESTAMP DEFAULT NOW(),
    INDEX idx_user_date (user_id, date)
);

-- Credit reports (cached from Experian)
CREATE TABLE credit_reports (
    id UUID PRIMARY KEY,
    user_id UUID REFERENCES users(id) ON DELETE CASCADE,
    credit_score INT,
    report_date DATE,
    experian_report_id VARCHAR(255),
    raw_report JSONB,  -- Store full report for reference
    created_at TIMESTAMP DEFAULT NOW()
);

-- Data retention policy tracking
CREATE TABLE data_retention (
    id UUID PRIMARY KEY,
    user_id UUID REFERENCES users(id),
    data_type VARCHAR(50),  -- transaction, credit_report
    days_to_retain INT DEFAULT 90,
    last_purge_date TIMESTAMP,
    created_at TIMESTAMP DEFAULT NOW()
);

Plaid Link Frontend Flow

// User clicks "Connect Bank Account"
    ↓
Frontend loads Plaid Link SDK
    ↓
User selects bank and logs in
    ↓
Plaid returns public_token
    ↓
Frontend sends public_token to backend /api/plaid/exchange
    ↓
Backend exchanges for access_token via Plaid API
    ↓
Backend encrypts & stores access_token in plaid_accounts table
    ↓
Trigger initial data sync
    ↓
Dashboard shows new account

Token Encryption

# Use django-cryptography or pgcrypto
from cryptography.fernet import Fernet
import os

ENCRYPTION_KEY = os.getenv('ENCRYPTION_KEY')  # Rotate periodically
cipher = Fernet(ENCRYPTION_KEY)

# Store encrypted
encrypted_token = cipher.encrypt(access_token.encode())
db.plaid_accounts.update(
    id=account_id,
    plaid_access_token=encrypted_token
)

# Retrieve and decrypt
encrypted = db.plaid_accounts.get(id=account_id).plaid_access_token
access_token = cipher.decrypt(encrypted).decode()

3. Data Synchronization Layer

Sync Architecture

Background Job (Celery/APScheduler)
    ↓
For each user:
    ↓
  For each plaid_account:
    ↓
    Fetch transactions (last 30 days + new)
    Fetch account balances
    Check for reauth required errors
    ↓
    Store in transactions table
    Update last_synced timestamp
    ↓
  Fetch credit report (monthly)
    ↓
    Store in credit_reports table
    ↓
  Clean up old data (30/90 day retention)

Sync Implementation

# models/sync.py
class DataSync:
    @celery_task
    def sync_all_users():
        """Sync all user accounts every 6 hours"""
        for user in User.query.filter(is_active=True):
            sync_user_data.delay(user.id)
    
    @celery_task
    def sync_user_data(user_id):
        """Sync all accounts for a user"""
        user = User.get(user_id)
        
        for account in user.plaid_accounts:
            try:
                # Decrypt token
                access_token = decrypt(account.plaid_access_token)
                
                # Fetch transactions
                client = PlaidClient(...)
                transactions = client.get_transactions(
                    access_token,
                    start_date=account.last_synced or date.today() - timedelta(days=30)
                )
                
                # Handle ITEM_LOGIN_REQUIRED error
                if 'error_code' in transactions and transactions['error_code'] == 'ITEM_LOGIN_REQUIRED':
                    account.requires_reauth = True
                    account.save()
                    notify_user_reauth_required(user, account)
                    continue
                
                # Store transactions
                for txn in transactions['transactions']:
                    Transaction.create_or_update(
                        user_id=user_id,
                        plaid_account_id=account.id,
                        plaid_transaction_id=txn['transaction_id'],
                        name=txn['name'],
                        amount=txn['amount'],
                        date=txn['date'],
                        category=txn['category'][0] if txn.get('category') else 'Other'
                    )
                
                account.last_synced = datetime.now()
                account.sync_status = 'success'
                account.save()
                
            except Exception as e:
                account.sync_status = 'error'
                account.error_message = str(e)
                account.save()
                log_error(user_id, account.id, str(e))

4. API Layer (User-Facing Endpoints)

Authentication Endpoints

# routes/auth.py
@app.route('/api/auth/register', methods=['POST'])
def register():
    """Register new user"""
    data = request.json
    
    # Validate email uniqueness
    if User.query.filter_by(email=data['email']).first():
        return {'error': 'Email already exists'}, 409
    
    # Hash password
    user = User(
        email=data['email'],
        password_hash=bcrypt.hashpw(data['password']),
        first_name=data.get('first_name'),
        last_name=data.get('last_name'),
        consent_given_at=datetime.now()  # GDPR consent
    )
    db.session.add(user)
    db.session.commit()
    
    # Generate tokens
    tokens = generate_tokens(user.id)
    audit_log('user_registered', 'user', user.id)
    
    return {
        'user_id': user.id,
        'access_token': tokens['access'],
        'refresh_token': tokens['refresh']
    }, 201

@app.route('/api/auth/login', methods=['POST'])
def login():
    """Login user"""
    data = request.json
    user = User.query.filter_by(email=data['email']).first()
    
    if not user or not bcrypt.verify(data['password'], user.password_hash):
        audit_log('login_failed', 'user', email=data['email'])
        return {'error': 'Invalid credentials'}, 401
    
    # Check MFA if enabled
    if user.mfa_enabled:
        # Return challenge, wait for TOTP verification
        pass
    
    tokens = generate_tokens(user.id)
    user.last_login = datetime.now()
    db.session.commit()
    
    audit_log('user_login', 'user', user.id)
    
    return {
        'user_id': user.id,
        'access_token': tokens['access'],
        'refresh_token': tokens['refresh']
    }, 200

@app.route('/api/auth/refresh', methods=['POST'])
def refresh():
    """Refresh access token"""
    data = request.json
    session = UserSession.query.filter_by(
        refresh_token=data['refresh_token'],
        is_valid=True
    ).first()
    
    if not session or session.expires_at < datetime.now():
        return {'error': 'Invalid or expired refresh token'}, 401
    
    tokens = generate_tokens(session.user_id)
    return tokens, 200

@app.route('/api/auth/logout', methods=['POST'])
@require_auth
def logout(user_id):
    """Logout user"""
    token = request.headers.get('Authorization').split(' ')[1]
    session = UserSession.query.filter_by(access_token=token).first()
    session.is_valid = False
    db.session.commit()
    
    audit_log('user_logout', 'user', user_id)
    return {'message': 'Logged out'}, 200

Plaid Integration Endpoints

# routes/plaid.py
@app.route('/api/plaid/link-token', methods=['POST'])
@require_auth
def get_link_token(user_id):
    """Get Plaid Link token for frontend"""
    user = User.get(user_id)
    
    client = PlaidClient(...)
    response = client.create_link_token(
        user_id=user_id,
        client_name='Credit Monitor',
        user={'client_user_id': user_id},
        country_codes=['US'],
        language='en'
    )
    
    return {'link_token': response['link_token']}, 200

@app.route('/api/plaid/exchange-token', methods=['POST'])
@require_auth
def exchange_token(user_id):
    """Exchange public token for access token"""
    data = request.json
    
    client = PlaidClient(...)
    response = client.exchange_public_token(data['public_token'])
    
    # Store encrypted access token
    account = PlaidAccount(
        user_id=user_id,
        plaid_item_id=response['item_id'],
        plaid_access_token=encrypt(response['access_token']),
        bank_name='Unknown',  # Will update on first sync
        sync_status='pending'
    )
    db.session.add(account)
    db.session.commit()
    
    # Trigger initial sync
    sync_user_data.delay(user_id)
    
    audit_log('plaid_account_connected', 'plaid_account', account.id)
    
    return {
        'account_id': account.id,
        'item_id': account.plaid_item_id
    }, 201

@app.route('/api/plaid/accounts', methods=['GET'])
@require_auth
def get_plaid_accounts(user_id):
    """Get all linked Plaid accounts for user"""
    accounts = PlaidAccount.query.filter_by(user_id=user_id).all()
    
    return {
        'accounts': [{
            'id': a.id,
            'bank_name': a.bank_name,
            'account_name': a.account_name,
            'sync_status': a.sync_status,
            'last_synced': a.last_synced.isoformat(),
            'requires_reauth': a.requires_reauth
        } for a in accounts]
    }, 200

@app.route('/api/plaid/reauth/<account_id>', methods=['POST'])
@require_auth
def reauth_account(user_id, account_id):
    """Get update link token for account reauth"""
    account = PlaidAccount.query.get(account_id)
    
    if account.user_id != user_id:
        return {'error': 'Unauthorized'}, 403
    
    client = PlaidClient(...)
    response = client.create_link_token(
        user_id=user_id,
        item_id=account.plaid_item_id,
        user={'client_user_id': user_id}
    )
    
    return {'link_token': response['link_token']}, 200

Dashboard Data Endpoints

# routes/dashboard.py
@app.route('/api/dashboard/summary', methods=['GET'])
@require_auth
def get_dashboard_summary(user_id):
    """Get summary for all accounts"""
    accounts = PlaidAccount.query.filter_by(user_id=user_id).all()
    
    total_balance = sum(a.get_current_balance() for a in accounts)
    total_limit = sum(a.get_credit_limit() for a in accounts)
    
    # Get latest credit score
    latest_credit = CreditReport.query.filter_by(
        user_id=user_id
    ).order_by(CreditReport.created_at.desc()).first()
    
    return {
        'total_balance': total_balance,
        'total_limit': total_limit,
        'utilization': (total_balance / total_limit * 100) if total_limit > 0 else 0,
        'credit_score': latest_credit.credit_score if latest_credit else None,
        'accounts_count': len(accounts),
        'last_synced': max(a.last_synced for a in accounts) if accounts else None
    }, 200

@app.route('/api/dashboard/transactions', methods=['GET'])
@require_auth
def get_transactions(user_id):
    """Get filtered transactions"""
    # Query params: days=30, category=Food, limit=50, offset=0
    days = request.args.get('days', 30, type=int)
    category = request.args.get('category')
    limit = request.args.get('limit', 50, type=int)
    offset = request.args.get('offset', 0, type=int)
    
    start_date = datetime.now() - timedelta(days=days)
    
    query = Transaction.query.filter_by(user_id=user_id).filter(
        Transaction.date >= start_date
    )
    
    if category:
        query = query.filter_by(category=category)
    
    transactions = query.order_by(Transaction.date.desc()).limit(limit).offset(offset).all()
    total = query.count()
    
    return {
        'transactions': [{
            'id': t.id,
            'name': t.name,
            'amount': t.amount,
            'category': t.category,
            'date': t.date.isoformat(),
            'merchant': t.merchant_name
        } for t in transactions],
        'total': total,
        'limit': limit,
        'offset': offset
    }, 200

@app.route('/api/dashboard/categories', methods=['GET'])
@require_auth
def get_spending_by_category(user_id):
    """Get spending breakdown by category"""
    days = request.args.get('days', 30, type=int)
    start_date = datetime.now() - timedelta(days=days)
    
    categories = db.session.query(
        Transaction.category,
        func.sum(Transaction.amount).label('total')
    ).filter_by(user_id=user_id).filter(
        Transaction.date >= start_date
    ).group_by(Transaction.category).all()
    
    return {
        'categories': [{
            'name': c[0],
            'amount': float(c[1])
        } for c in categories]
    }, 200

5. Frontend Layer

Architecture

React/Vue.js SPA
├── Auth Pages
│   ├── Register
│   ├── Login
│   ├── MFA Setup
│   └── Password Reset
├── Plaid Integration
│   ├── Connect Bank Modal
│   ├── Reauth Modal
│   └── Account Management
└── Dashboard
    ├── Summary Cards
    ├── Transaction Filters (existing)
    ├── Spending Simulator (existing)
    ├── Multiple Account Tabs
    └── Data Export

Key Components

// Services/api.js
class ApiService {
  async register(email, password, firstName, lastName) {
    return fetch('/api/auth/register', {
      method: 'POST',
      headers: { 'Content-Type': 'application/json' },
      body: JSON.stringify({ email, password, firstName, lastName })
    }).then(r => r.json());
  }

  async login(email, password) {
    const response = await fetch('/api/auth/login', {
      method: 'POST',
      headers: { 'Content-Type': 'application/json' },
      body: JSON.stringify({ email, password })
    }).then(r => r.json());
    
    // Store tokens securely
    localStorage.setItem('access_token', response.access_token);
    localStorage.setItem('refresh_token', response.refresh_token);
    return response;
  }

  async getLinkToken() {
    return this.authenticatedFetch('/api/plaid/link-token', { method: 'POST' });
  }

  async exchangePlaidToken(publicToken) {
    return this.authenticatedFetch('/api/plaid/exchange-token', {
      method: 'POST',
      body: JSON.stringify({ public_token: publicToken })
    });
  }

  async getTransactions(days = 30, category = null) {
    const params = new URLSearchParams();
    params.append('days', days);
    if (category) params.append('category', category);
    
    return this.authenticatedFetch(`/api/dashboard/transactions?${params}`);
  }

  async authenticatedFetch(url, options = {}) {
    const headers = {
      ...options.headers,
      'Authorization': `Bearer ${localStorage.getItem('access_token')}`
    };
    
    let response = await fetch(url, { ...options, headers });
    
    // Handle token refresh
    if (response.status === 401) {
      const refreshed = await this.refreshToken();
      if (refreshed) {
        response = await fetch(url, { ...options, headers: {
          ...headers,
          'Authorization': `Bearer ${localStorage.getItem('access_token')}`
        }});
      }
    }
    
    return response.json();
  }

  async refreshToken() {
    const response = await fetch('/api/auth/refresh', {
      method: 'POST',
      body: JSON.stringify({ refresh_token: localStorage.getItem('refresh_token') })
    });
    
    if (response.ok) {
      const data = await response.json();
      localStorage.setItem('access_token', data.access_token);
      return true;
    }
    
    // Refresh failed, redirect to login
    window.location.href = '/login';
    return false;
  }
}

// Components/PlaidLink.jsx
import { usePlaidLink } from 'react-plaid-link';

function PlaidLinkComponent() {
  const [linkToken, setLinkToken] = useState(null);

  useEffect(() => {
    ApiService.getLinkToken().then(data => setLinkToken(data.link_token));
  }, []);

  const { open, ready } = usePlaidLink({
    token: linkToken,
    onSuccess: (publicToken) => {
      ApiService.exchangePlaidToken(publicToken).then(() => {
        // Refresh dashboard
        window.location.reload();
      });
    }
  });

  return (
    <button onClick={() => open()} disabled={!ready}>
      Connect Bank Account
    </button>
  );
}

6. Security & Compliance

Data Protection

Frontend ──HTTPS──> Backend ──TLS──> Database
  ↓
- Tokens in httpOnly cookies (not localStorage)
- CSRF protection on state-changing endpoints
- Rate limiting on auth endpoints
- Input validation & sanitization
- SQL injection prevention (ORM)

Privacy Measures

1. GDPR Compliance
   - Explicit consent before data collection
   - Right to access: /api/user/export endpoint
   - Right to delete: /api/user/delete endpoint
   - Data retention policy: Delete after 90 days (configurable)

2. CCPA Compliance
   - Privacy policy linked during signup
   - Do Not Sell My Personal Information option
   - Easy deletion mechanism

3. Encryption
   - At rest: pgcrypto for Plaid tokens
   - In transit: TLS 1.3
   - Keys: Rotate every 90 days

4. Audit Logging
   - Log all data access
   - Log all data mutations
   - Log authentication events
   - 1 year retention for audit logs

Endpoints

# routes/user.py
@app.route('/api/user/export', methods=['GET'])
@require_auth
def export_user_data(user_id):
    """GDPR right to access"""
    user = User.get(user_id)
    
    # Generate ZIP with:
    # - User profile
    # - All transactions (CSV)
    # - All credit reports (JSON)
    # - Audit logs
    
    audit_log('data_export', 'user', user_id)
    return send_file(zip_path, as_attachment=True)

@app.route('/api/user/delete', methods=['POST'])
@require_auth
def delete_user_account(user_id):
    """GDPR right to delete"""
    # Soft delete: mark user as deleted
    user = User.get(user_id)
    user.deleted_at = datetime.now()
    
    # Schedule hard delete in 30 days
    schedule_hard_delete(user_id, days=30)
    
    # Notify user
    send_deletion_email(user.email)
    
    audit_log('account_deleted', 'user', user_id)
    return {'message': 'Account scheduled for deletion'}, 200

@app.route('/api/user/consent', methods=['POST'])
@require_auth
def update_consent(user_id):
    """Manage consent preferences"""
    data = request.json
    user = User.get(user_id)
    user.consent_given_at = datetime.now() if data['consent'] else None
    db.session.commit()
    
    return {'consent': data['consent']}, 200

🗄️ Database Schema Summary

Users (auth)
├── user_sessions (token management)
├── audit_logs (compliance)
├── plaid_accounts (bank connections)
│   ├── transactions (cached data)
│   └── credit_reports (synced data)
└── data_retention (GDPR policies)

🔄 Data Flow Diagram

User Signup/Login
    ↓
[JWT Tokens + Session]
    ↓
Click "Connect Bank"
    ↓
[Plaid Link Modal]
    ↓
User selects bank + logs in
    ↓
[Public Token from Plaid]
    ↓
POST /api/plaid/exchange-token
    ↓
[Encrypt + Store Access Token]
    ↓
Trigger Background Sync (Celery)
    ↓
Fetch Transactions + Credit Data
    ↓
Store in Database
    ↓
Dashboard Updates Automatically

📈 Scaling Considerations

Database

PostgreSQL with partitioning on transactions (by user_id + date)
Redis for session/cache layer
Read replicas for analytics queries

Backend

Horizontal scaling with load balancer
Celery workers for background jobs
API rate limiting per user

Frontend

CDN for static assets
Code splitting by route
Service worker for offline support

🚀 Implementation Roadmap

Phase 1: Authentication (Week 1-2)

User registration/login
JWT token generation
Session management
Basic audit logging

Phase 2: Plaid Integration (Week 2-3)

Plaid Link flow
Token exchange & encryption
Single account connection
Initial sync logic

Phase 3: Multi-Account & Sync (Week 3-4)

Multiple accounts per user
Background sync jobs
Error handling (reauth flow)
Transaction caching

Phase 4: Frontend & Dashboard (Week 4-5)

Auth UI (register, login, MFA)
Plaid Link modal
Multi-account dashboard
Account management

Phase 5: Privacy & Compliance (Week 5-6)

Data export endpoint
Account deletion
Audit logs UI
Privacy policy

Phase 6: Testing & Deployment (Week 6-7)

Integration tests
Load testing
Security audit
Production deployment

🔐 Security Checklist

📊 Monitoring & Observability

# Metrics to track
- Auth failures per IP (detect brute force)
- Sync success/failure rates
- API response times
- Token refresh rate
- Data export frequency
- Account deletion requests
- Error rates by endpoint
- Plaid API quota usage

📝 Notes

This architecture supports:

Security: Industry-standard encryption, secure token handling, audit logs
Privacy: GDPR/CCPA compliant, data export/deletion, consent management
Scalability: Database partitioning, background jobs, caching strategies
UX: Seamless Plaid integration, multi-account support, error recovery
Compliance: Audit trails, data retention, regulatory requirements

Each phase builds on previous phases and can be deployed independently.

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Multi-Tenant Credit Monitoring System - Architecture Design

📋 System Overview

Core Principles

🏗️ Architecture Layers

1. Authentication & User Management Layer

Database Schema

Authentication Flow

Key Components

2. Plaid Integration Layer (Multi-Account per User)

Database Schema

Plaid Link Frontend Flow

Token Encryption

3. Data Synchronization Layer

Sync Architecture

Sync Implementation

4. API Layer (User-Facing Endpoints)

Authentication Endpoints

Plaid Integration Endpoints

Dashboard Data Endpoints

5. Frontend Layer

Architecture

Key Components

6. Security & Compliance

Data Protection

Privacy Measures

Endpoints

🗄️ Database Schema Summary

🔄 Data Flow Diagram

📈 Scaling Considerations

Database

Backend

Frontend

🚀 Implementation Roadmap

🔐 Security Checklist

📊 Monitoring & Observability

📝 Notes

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Multi-Tenant Credit Monitoring System - Architecture Design

📋 System Overview

Core Principles

🏗️ Architecture Layers

1. Authentication & User Management Layer

Database Schema

Authentication Flow

Key Components

2. Plaid Integration Layer (Multi-Account per User)

Database Schema

Plaid Link Frontend Flow

Token Encryption

3. Data Synchronization Layer

Sync Architecture

Sync Implementation

4. API Layer (User-Facing Endpoints)

Authentication Endpoints

Plaid Integration Endpoints

Dashboard Data Endpoints

5. Frontend Layer

Architecture

Key Components

6. Security & Compliance

Data Protection

Privacy Measures

Endpoints

🗄️ Database Schema Summary

🔄 Data Flow Diagram

📈 Scaling Considerations

Database

Backend

Frontend

🚀 Implementation Roadmap

🔐 Security Checklist

📊 Monitoring & Observability

📝 Notes