Case Study

Architecting a Modular KYC Microservice Platform

Spring Boot · React · Android · FastAPI (AI KYC) · ONNX/OCR

Executive Summary

Designed and implemented a modular platform spanning backend, web, mobile, and an AI KYC microservice. Improved KYC false-reject rate and stabilized flows under real-world constraints.

The Problem

Fragmented onboarding with brittle KYC caused drop-offs and manual reviews
Inconsistent data boundaries across services and clients slowed iteration
Accuracy/latency trade-offs in OCR, face match, and liveness checks

Architecture & Approach

1
Domain-oriented Spring Boot modules (auth, accounts, analytics, kyc, wallet)
2
AI KYC microservice (FastAPI): pluggable providers; threshold tuning & retries
3
Android Wallet: card reload, QR pay, bill-pay; Retrofit interfaces & DTOs
4
React Web dashboard with a11y-first forms/tables
5
Observability & CI: safe defaults, lint/type checks, reproducible envs

Challenges & Trade-offs

Face-match sensitivity vs UX → tuned thresholds; re-tryable capture & guidance

OCR noise → preprocessing + field-level confidence gating

Network reliability → graceful fallbacks & cached responses on mobile

Outcomes & Results

Reduced KYC false rejects vs baseline after threshold tuning and OCR cleanup
Fewer manual reviews; faster re-submission loops
Standalone wallet flows widened the onboarding funnel